milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: We got a letter in the mail from this company called AllianceOne Receivables Management , Inc.. Their address is XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX. The letter states that my grandma, XXXX XXXX has violitions with the port authority of my & nj dating back to XX/XX/XXXX. Since she never paid the " violitions '' they sent it to AllianceOne to collect the debt. my grandma paid this debt that same day we received the letter, XX/XX/XXXX in full in the amount of {$290.00}. The reference number is XXXX and the contact number is XXXX. I called ezpass after she paid and logged onto the ezpass account website to look for these violations, but they were not there and the representative said that there were no such violations ever that AllianceOne reported. We would like our refund back from AllianceOne and to report them for fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Hello Sir/Madam I would like bring up an incident that happened at Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. XXXX lockers were burglarised inside the bank strong room. When I entered along with banking personnel, the lockers were in wrong position and XXXX XXXX also acknowledged and opened and found XXXX lockers were open, My locker numer XXXX is emptied except documents. A XXXX complaint XXXX is registered. I have lost valuables worth several XXXX dollars specially valuable items from my marriage, kids ornaments and wife jewelry. XXXX is reported in local media as well https : XXXX Bank XXXX XXXX XXXX tried XXXX divert the case by giving false reasons such as construction. 

Bank locker agreement is responsible for XXXX XXXX In this case bank has been completely negligent and have false practices and bad banking people looting the customers. Also they specially targeted XXXX and a classic case of XXXX profiling. 

Bank now says we should contact local PD and bank is not going to discuss on this subject. 

We would need your help to get bank to the task and seek answers to how and when they can contact us to pay for it. 

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 02/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To whom it may concern, I 'm being improperly sent to a collections department by XXXX in regards to a case that dates back to 2012. I have sent numerous E-mails and placed numerous phone calls to XXXX with no response or resolution with my concerns. The issue at hand is that they are attempting to charge me over {$800.00} for a phone that was under warranty and sent back to them. As I refused to pay their felonious charges they sent me to collections. I successuflly had the first XXXX or XXXX collection companies removed from my credit as I contested their collections and stated my case to the various credit agencies. Low and behold the account has been sent to another collections company. I never received anything in writing from the new collections company and only found out when I applied for a refinance on my mortgage. The collection agency is Enhanced Recovery Company and has numerous complaints against them for similar tactics. A simple google search of their company and XXXX will find that there are numerous other people who have experienced the same issues that I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: Wired $ XXXX USD to CoinBase on XXXX XXXX, XXXX. Was told the wire was rejected around XXXX that evening, but the bank shows the charge as being accepted. I was sent a message explaining why the wire was rejected and that it would be returned in 3-5 business days. It is now XXXX XXXX, XXXX and have had no luck dealing with Coin Base through any of their 3 forms or support.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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: I have contacted all three agencies via phone and certified mail in regards to an account credit first. This account was paid and now it is reporting derogatory on my credit file .... i have requested any and all information on how this was added, verified etc and NO COMPLIANCE ... this account is INACCURATE and per FCRA any inaccurate information MUST BE DELETED FROM FILE ....

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 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I applie d for American Express Delta Gold Rewards Card.  I was told I would get  XXXX  miles if I charged {$1000.00} in 3 months. I was approved. I went on the  American Express websi te to get more information about the company and my particular credit card I was receiving. On the website the promotion is for  XXXX  bonus miles to anyone that is approved and spends {$1000.00} in 4 months. On  XXXX  I called to complain about how unfair this was and the rep told me that unfortunately that is what I signed up for. I went on  Twitter  and the rep  XXXX  stated " We have no recourse in this matter. '' I called again that day and spoke to "  XXXX  '' who seemed sympathetic to my situation. He said he would submit the request for the correction for the better deal. I have not heard anything since.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Good Afternoon, The 3 credit agencies have two wrong addresses on my report. I never lived atXXXX XXXX XXXX or XXXX XXXX XXXX and I need to find out how to get back a government check from social security that was mailed to XXXX XXXX XXXX in or around 2012 when we were allowed an extra XXXX dollars cost of living one time for the year check. Please, help me. Someone cashed that check illegally and I never got any help because at the time I owed taxes and I had to pay extra when I should not have. That money should be reimbursed but all the necessary important places claimed they could not find or help me. Did that slip through the system too? 
Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ct. 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 10/17/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On XXXX/XXXX/XXXX I came home from work to find a notice from the US Department of Education stating that a student loan of mine was in default. I had no idea I had this student loan. I have been making payments on the student loans I knew I had through XXXX XXXX. I was told that this loan was a XXXX XXXX which was given to XXXX and they said I never made payments and was in default so this loan was given back to the US Department of education. XXXX has never contacted me or given me the chance to pay it back. I now understand why my credit score keeps going down despite my best efforts to improve it. I feel that XXXX is at fault here.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: I placed a credit freeze with all three credit agencies in early XXXX. I then applied for a home loan in mid XXXX and had no problem temporarily lifting my credit freeze with XXXX and XXXX but Experian would never recognize my information online or by phone and required mailed in copies of all my documentation, this delayed my loan processing by several weeks. I thought that this would be a one time issue since I provided all of this documentation to Experian but today I have another reason to request a temporary lift of my credit freeze and again, Experian is the only credit agency that will not recognize any of my information and requires all documentation in hard copy mailed to their location. This is only 1.5 months since I last did this and I still have my confirmation PIN from when I set up the freeze with Experian on XXXX XXXX XXXX. 
I believe Experian is making the process more arduous to discourage individuals from utilizing the credit freeze system. I believe this is because I am not Experian 's customer, their customers are the agencies looking for credit information and my putting a freeze in place could take away from Experian 's business. The Consumer Finance Protection Bureau should ensure measures are in place that credit reporting agencies are responsive to individual requests for temporary lifting and subsequent securing of a credit freeze.

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 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (TN).
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: multiple agencies are making unlawful mistakes : sending my mail willy nilly wo consent reporting move when I didnt move and then refusing to give me an updated report after demand for removal under part 209 FCRA. 

unfair credit abuse and slander and oppourtunity to repair good name after multiple companies, including a chXXXX bankruptcy atty have broken the law and burned me on bad deals. 

refusing to provide a working fax number, or failing to maintain it. 
repeated attempts get cut off at 5 page mark or need multiple ( 100s ) of attempts to go thru. ( companies refuse to reasemble on remote end because of this ) this includes key credit which is supposed to help consumers. 

XXXX chexsystems XXXX XXXX XXXX XXXX all guilty and have lied to me on paper about what they have done.

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 06-09-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (PR).
Issue: Making/receiving payments, sending money

Complaint: From XXXX/XXXX/XXXX - XXXX/XXXX/XXXX we received letters from Suntrust stating that we have unusual activities on our debit cards " XXXX '' and " XXXX ending, therefore they placed a " temporary '' block status. SINCE I had past disputes related to unauthorized charged XXXX which were approved and resolved with Suntrust during XXXX ; I noticed that again, from XXXX to XXXX XXXX, while I was on " XXXX '' leave, at home, in bed, NOT USING MY CARD WHICH HAS THE XXXX STICKER ON, XXXX was charging my checking account as they please causing multiples overdraft fees ( XXXX x {$36.00} aprox. ), ignoring the fact that my account was set up as " cash only ''. on XXXX/XXXX/XXXX I collected all evidences and sent it via fax to Suntrust to investigate. Suntrust representatives explained that it will take up to 60 days to get the issue resolved ( Previous disputes against XXXX only took XXXX hours to get a final resolution on my favor based on evidences presented ). On XXXX/XXXX/XXXX I received a letter from Suntrust granting me a temporary credit for the claimed charges and removal of all overdraft fees, while my account was undergoing investigation. Unfortunate to say, Suntrust sent me a letter on XXXX XXXX stating that the investigation was fruitless, that they could n't resolve the isue and asked me to deal with XXXX. On XXXX/XXXX/XXXX I received a letter from Suntrust Notifying me that the referenced account was closed, the negative balance of - {$1600.00} ( multiples charges of overdraft fees of {$36.00} plus XXXX unauthorized charges ) was charge-off since the account was overdrawn for several weeks regardless of being investigated and they even add {$30.00} to charge off the account and I was refered to collections.

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 03-06-2017 about Bank account or service (Savings account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2017 I deposited a check into my savings account with the understanding that there would be a hold to confirm if its a valid check. I deposited at the branch of People 's United Bank located in XXXX XXXX, CT on XXXX XXXX through the ATM. NO CASH WAS WITHDRAWN ON THIS ACCOUNT. I later received a direct deposit in my CHECKING account from my monthly annuity. On XX/XX/XXXX I received a letter from the bank with a photo of the company check drawn on a out of state bank telling me the account was closed so the check was not valid. On XX/XX/2017 I present to the branch and questioned why my CHECKING ACCOUNT was frozen and my debit card cancelled. The branch manager ; XXXX XXXX XXXX said it was a fraudulent check and their loss prevention department said close the accounts. XXXX XXXX relayed to me that I would not be able to open an account anywhere because I am now looked at as being a fraudulent depositor and it will be reported to XXXX. He advised me to go open another account at a different bank ( i.e ) XXXX XXXX before he closes the People 's Bank accounts. I asked him how can it be fraud if no funds were withdrawn and the purpose of my depositing the check into my savings was for the purpose of being classified as fraud. Today, XX/XX/2017 my funds into my checking account have not been released and i was refused to contact Loss-Prevention to further remedy this problem. 
I would like this matter to be resolved and not flagg as a fraudulent bank depositor and not report me to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I have an outstanding issue which suntrust has already admitted that they have made a mistake and broken the law. They followed up w me needing more information which I faxed to them on XX/XX/2016. I did not hear from them for a month. When I finally called them they said the issue had been closed. I asked them if they had received my fax, why they would close the issue without calling or notifying me by mail. They said that they would get to the person handling the issue and get back to me in XXXX hours. I have now called them 3 times in a month and have received that same response. Nobody has followed up. The case number is XXXX. The contact at suntrust is XXXX. Her XXXX 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 explanation
Consumer complaint received 12/30/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear CFPB, I started working on the loan modification with Ditech on XXXX and they had rejected my request, then I went to apply the XXXX California XXXX Ditech is participating lender, on XXXX XXXX I got an email from XXXX requesting supporting documents and was due on XXXX XXXX 2016 and I submitted it on the XXXX. however on the XXXX, I received a letter dated on XXXX from XXXX saying " your loan servicer has not approved your loan for participation in the XXXX program. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Mortgage (Other mortgage) with PNC Bank N.A. (IN).
Issue: Credit decision / Underwriting

Complaint: I applied for a loan in XXXX 2016 w PNC Bank, their loan # XXXX. The appraisal came back great, 40 % loan to value, and after I paid for the appraisal as well as documents from the condo association ( {$750.00} ) I was given conditional approval per the processor. The last step was the condo association be approved by PNC Bank. After 4 weeks, they decided the would not approve the condo, and closed the file. Finally, on XXXX XXXX. By now, my chances of refinancing are lost because of their processes. Approving condo should have been the XXXX step - not the last. Now I have lost the opportunity to refinance at that rate.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Managing the loan or lease

Complaint: I filed a complaint on XXXX/XXXX/14 with the Florida State Attorney General 's Office about Hyundai Motor Finance calling me repeatedly at work, even though I had asked them not to in writing, because I am not allowed to get personal calls at work. They said they would stop doing so, so I let it go. Today, they called me at work again. They know they are not to call me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MO).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Our cc account was closed. We need to know how much interest was paid to Amex and XXXX XXXX in XX/XX/XXXX. Amex tells us we need to call XXXX and XXXX tells us we need to call Amex. We keep getting the runaround. We paid them money in XX/XX/XXXX. they should be able to tell us how much was interest and how much is principal. Please help us. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Trident Asset Managenent LLC  from  XXXX  Georgia is erroneously reporting negative information on my credit. They are a third party collections company and report every 5 days in attempts to collect on a debt that is not even mine. My identity was stolen and I have forwarded the report to the bureaus. Trident refuses to remove the item. I have also received notices that they sold the debt as well. They are in violation of the FCRA and I am seeking damages of {$1000.00} for each time they have reported to my credit file intentionally and maliciously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a Victim of Identity Theft and opened Fraudulent accounts from the year XX/XX/XXXX until XX/XX/XXXX. I  have paid a credit repair service, I have directly disputed this with them on numerous times and can not seem to get help resolving this. I have even filed a report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Debt collection (Credit card debt) with Northstar Location Services, LLC (IN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: NORTHSTAR KEEPS CALLING MY FAMILY AT WORK, CELL AND OTHER FAMILY TRYING TO SKIP TRACE DEBT, THIS DEBT IS INVALIDATED DEBT INQUIRIES. 
21 CALLS IN 2 YEARS. 

XXXX XXXX XXXX/XXXX XXXX XXXX sold debts to XXXX XXXX XXXX were they sue for the same debts northstar did.THEY ARE STILL ON MY XXXX. 

VIOLATORS OF THE DODD-FRANK ACT

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I had a  XXXX  mobile phone in  XXXX . Without a job and mounting debt, I filed Ch  XXXX  bankruptcy  XXXX   XXXX ,  XXXX . It was  discharged   XXXX   XXXX ,  XXXX . Since then, I have not held a contract with a mobile phone provider, opting for a prepaid accoun t. Pinnacle Credit Services, b ased in Minnesota, has placed this phone account on my credit report, refuses to remove the collection despite REPEATED attempts to document that their collection efforts are invalid. In  XXXX , I disputed the account with the credit bureau as included in the bankruptcy. In  XXXX , I sent copies of the Ch  XXXX  petition, copies of the discharge ( both available from  XXXX  ), and asked them to produce a signed contract if in fact their was an account after the bankruptcy, which I know there to NOT  be. Pinnacle responded saying I could settle the debt for 50 %. 50 % of an noncollectable debt? I did n't worry about it until now, when I 'm in the process of trying to upgrade my life and Pinnacle is a roadblock in my way. Because it looks like I have an outstanding collection with no payment, nor settled, I frequently do not qualify for financial services that my income would otherwise provide me. The last time I called the Pinnacle repre sentative told me the debt would be reported INDEFINITELY despite again, my assertion that  XXXX  is not owed money due to the  XXXX .

Company response to consumer: Closed with explanation