milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Coulter Dove & Harris, PC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: While in XXXX taking care of my mom and sister, The Luftus firm filled an unlawful retainer in XXXX XXXX XXXX General District court ( note, this was filled XX/XX/XXXX and we vacated the premises the weekend before XXXX ). I called and explained my situation to the court who rescheduled but I was not notified. As a result, I was not there and the XXXX group won by default. 

Later, they filled a garnishment of my wages. I had informed them earlier that I did not owe the money I was being taken to court for but received no response. Proof was provided to the XXXX group as well as the XXXX Districts courts garnishment hearing. As a result, I won and had the garnishment lifted. 

I have since applied several times to have the original judgement vacated and a new hearing but was denied each time with no explanation. 

I have proved I do not owe this money but the XXXX ignores the facts and hides behind the incorrect judgement to take money not belonging to them with the General District court in XXXX, VA not willing to correct this injustice and look at the facts. 

Thank you, XXXX, cc. CFPB, XXXX, The XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: We have multiple accounts at Chase bank. In XXXX XXXX, 2016, at about XXXX ET, a fraudster used my wife 's stolen social security number and a fake driver 's license to have a debit card re-issued to her. This card was only used for a small account, but the banker attached it to any account to which my wife 's social security number was attached. Ultimately, through ATM withdrawals with that re-issued card and a paper withdrawal slip, the fraudster stole {$9500.00} from our accounts. This was done at a bank at XXXX XXXX XXXX XXXX in XXXX XXXX, CA. We live in XXXX XXXX, FL, nearly XXXX miles away. We received immediate fraud alerts as this happened, and even saw the money disappearing as we spoke to the fraud department on the phone. 

Since then, Chase bank has repeatedly denied our claims, causing us to re-submit the claims to have our monies returned over six times. They have given us temporary credit, then withdrawn it five times. We have spent nearly 30 hours trying to resolve this, both in the bank, and on the phone with Chase, and lost our own work time and wages, each time being told the situation would be investigated. Our accounts are in constant flux, and we do not know when we can pay our bills. In many cases, we 've been sent to senior managers who have escalated the claims, only to have them denied later. The process has been taking an inordinate amount of time, and the burden has been on us to constantly prove what happened and re-tell the story. We have police reports, an FTC report, and other supporting documentation ( as well as our local branch VP ) in support of these claims, not to mention the fact that the crime was committed very far away. Yet, because the ATM withdrawals were done with a re-issued chip card, Chase continues to deny us. 

Chase Bank is responsible for this theft in the first place. Their security measures are either wholly insufficient, a banker at the XXXX XXXX branch is distinctly unqualified or negligent in his or her job, or that banker is a simple a criminal who was complicit in this. Chase has made a disaster out of this for us, particularly as we are " Private Clients '', which is a meaningless distinction in a bank that is too large to serve any customer well. We are furious and tired. While we await proper return of our money, it is clear that Chase cares little for its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-04-2015 about Prepaid card (Other special purpose card) with AMERICAN EXPRESS COMPANY (WI).
Issue: Fees

Complaint: XXXX rebate card handled by American Express. I was given an {$18.00} prepaid card. A few months later, it became {$12.00}. {$2.00} per month fee is charged for three months. The fee was written in the back of the card in a very small font.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Payday loan () with Mid-Atlantic Consumer Services (GA).
Issue: Received a loan I didn't apply for

Complaint: I am not sure what happened. I think my ex-husband applied and received a payday loan in my name in 2010 when we were at the end of our marriage so he could move. He handled all of the bills. This company has continued to call my job since 2010 and I have asked them several times to not call my job. I have also asked them how can I resolve this issue. I have asked if I can file fraud documents to prove this, I was told if I shut up then it can be explained. I calmly asked and was still rudely told to shut up and it would be explained. XXXX XXXX ( Supervisor of Verification from Mid-Atlantic Debt Collection ) XXXX told me to shut up numerous times until I finally hung up on him and blocked the number.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX I received a letter from Wells Fargo stating that they were releasing the lien on my XXXX mortgage with them. They stated they were releasing me from any obligation to make payments on the loan now or in the future. On XXXX XXXX, XXXX Wells Fargo recorded a Full Reconveyance with the county recorder 's office granting me sole title to my home. Relying on their statements, I believed that my previous loan and account were closed. On XXXX XXXX, XXXX I received a notice from Wells Fargo, XXXX XXXX XXXX, and an attorney representing Wells Fargo that they had referred a loan in my name to foreclosure. The account number listed was not one I had ever opened or authorized. It did not correspond to my previous mortgage account number. I wrote Wells Fargo by certified mail on XXXX XXXX, XXXX, notifying them of the error, and notifying them that my previous mortgage account was closed, and that I had not opened or authorized any subsequent accounts. On XXXX XXXX, XXXX they wrote me, stating they would resolve the issue by XXXX XXXX, XXXX. I have had no response from them since, and they have not corrected these mortgage servicing errors. I filed a police report and FTC identity theft report when I discovered Wells Fargo was reporting to the credit bureaus a mortgage account in my name that I did not authorize. On XXXX XXXX, XXXX I sent a credit report dispute notice to Wells Fargo by certified mail, providing proof that my previous loan was current at the time it was closed and that I had not authorized the loan they state is in default. I have received no response. On XXXX XXXX, XXXX I again wrote Wells Fargo by certified mail requesting a reply to my XXXX XXXX notice of mortgage servicing errors and XXXX XXXX notice of credit reporting errors, and supplying further proof that the account they state is in default was opened without my authorization after my previous mortgage account was closed. I have received no response. Wells Fargo continues to state that my home is in foreclosure on a loan I did not authorize. Despite my repeatedly submitting proof that I no longer have any accounts with them, that they no longer have a valid lien on my property, and that they used my identity without my authorization to create a new mortgage account, they continue to report to the credit agencies that I am delinquent on XXXX separate XXXX mortgages for the same property. They also refuse to stop foreclosure proceedings against my property, even though they have no valid mortgage or lien on the property.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MONEY SOURCE, THE (FL).
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: In XX/XX/XXXX when hurricane hit I opted for the 3 month forbearance. Was informed the payments would roll to end of loan and resume normal payments in XX/XX/XXXX. I called to make my payment in XX/XX/XXXX and was told that no that's not an option I had to pay amount in full. When I agreed that that wasn't agreement the stated I had to go through loss litigation now to fix this problem. I was told that it wouldn't be reported to my credit. Well it was. I have called and emailed and every time I get a different answer or no response. I also called to make a payment and they refused to take my payment. I have multiple hours of phone calls and emails begging to get this resolved. I have sold this home and now can't get a mortgage due to this. I have been told per The money source that they have multiple people with the same problem. I have also been told due to fact I have FHA mortgage that the payments can't be added to end. I am at a loss with this company and how to fix this problem and remove this from my credit. It shows 90-120 late with disaster forbearance yet no payments behind. I was told to contact you since I am getting no where with this company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On   XXXX   XXXX    I recei ved an email from Chase Bank to confirm a request to update my Social Security number. I had not made any such request. On the fourteenth I visited my branch office on  XXXX   XXXX  in  XXXX   XXXX , LA. The manger there told me that the new  SSN i n their records was  XXXX . On the same day,  XXXX , the Social Security office here told me that the name with that number was not another fellow with my name, so I thought that this was n't a simple clerical error. Back at the bank branch, the  manager p ut my account right, with my SS number and new phone number. And to follow up, I forwarded the email to the abuse address  at Chase.      I want to know how the change effected my account. Who gained access to the account via the change? Why would  Chase up date the Social Security number of an account holder, given that Social Security numbers do n't change in a life-time? When and where did the request to change arrive a t Chase? Was there an email address associated with the request? Why would Chase change the  number and then confirm the request? Why not confirm the request before changing my Social Security number?     I have replies from  XXXX  XXXX  XXXX , but they seem robotic. I do n't have any expectation of personal attention to this. So, get other parties involved, such as the Consumer Financial Protection Bureau.     Thank you for any help that you offer to get answers from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Debt collection (Medical) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: this company used an automatic dialing system to call my cell phone without my permission on several occasions. additionally the collector did not disclose the " mini miranda '' and this debt is out of statute. several tcpa violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-04-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (VA).
Issue: Deposits and withdrawals

Complaint: I opened a checking account with Simple Bank ( BBVA Compass ) on XXXX XXXX, 2016 and initiated the direct deposit of my paycheck. This was to begin on XXXX XXXX, 2016. I received a live paycheck while account verification was taking place in the amount of {$1900.00} and initiated a Mobile Deposit via the Simple app on XXXX/XXXX/16. The day after I received the live check, I found out from my payroll department that my employer needed to replace it ( maybe an incorrect account # ). I communicated this to Simple. On XXXX XXXX, I received the replacement check ( {$1900.00} ) and initiated the mobile deposit with it. On the same day, Simple made a debit adjustment in the same amount awaiting the return of the XXXX check deposit. On XXXX XXXX, Simple made another debit adjustment for the return of the XXXX live check ( which had already been done on XX/XX/XXXX ) in the amount of {$1900.00}. My first actual direct deposit came in on XXXX XXXX which actually XXXX my account. My account was then closed by Simple. I made several attempts to reach out to Simple via telephone to find out what was happening to my account and get this corrected, as a review of my account should had shown that my account was simply debited twice for the same adjustment, but to no avail. Simple told me that due to security reasons, my account had to be closed and that they could not speak with me any further and hung up the phone on me. I repeatedly tried calling them, but got the same response. My account was adjusted again on XXXX XXXX, showing my direct deposit and my correct balance of {$1900.00}. I actually thought that they found the error ( after I sent a timeline via the support function on the Simple web site ). Communicating via the support function on the Simple website, when I asked when I would be able to get my money back, I was told that after all transactions have been settled on my account, that I would get the balance within 3 weeks. On XXXX XXXX, another adjustment on the account says, " Force Paid Debt. '' When I asked, via the support function on the Simple web site, what does this mean, I was told to refer back to the " Your Account has been closed '' message. This message does not tell me anything and has not been of any assistance. I am now out XXXX paycheck and had to take out an advance on my next pay to make ends meet. I am not getting anywhere with Simple Bank ( Compass BBVA ) and think that I need help to get back my paycheck which I feel has been stolen from me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am attempting to clear collection accounts from my credit bureau file. I paid in full the XXXX listed as XXXX XXXX XXXX for {$120.00}. 
It is still showing on my file. 
XXXX XXXX XXXX would not take my debit/check card as payment only my bank routing # and acct #. I gave it to them against my better judgment. I collection item is still there. 
WHAT DID XXXX DO WITH MY MONEY?? WAS THIS A FRAUD??

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX XXXX, 2017 I tried to get all 3 of my credit reports at XXXX. It only gave me one report even after I tried four times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.

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 05/18/2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I just want them to investigate XXXX complaint about me owing {$3300.00} and ask them why they didnt respond to the first complaint.

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 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my 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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XXXX closed the account as lost or stolen this card was n't lost or stolen.This account was open without my knowledge.XXXX XXXX is a complete fraud and ive contacted them and they still not assisting me with resolving this issue

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 08/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Transaction issue

Complaint: I used Capital One to prepay for a rental car with XXXX XXXX XXXX XXXX. Included in the price I prepaid to Capital One for the rental car was a " drop charge '' of {$210.00} for returning the rental car in a different location. XXXX then charged my Capital One card for the same {$210.00} " drop charge '' ( {$270.00} with tax ) that I had already paid to Capital One. I contacted Capital One to inform them the transaction from XXXX was a double charge and Capital One did not issue a credit [ Case Number XXXX ]. I then sent an email to the Capital One Travel Consumer Relations Department on XXXX XXXX, 2015 [ XXXXXXXXXXXX - Incident XXXX ] and received no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2015 about Debt collection (Mortgage) with NEW YORK COMMUNITY BANK (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: sent all the informatio that was requested yet the company claims they did nto get it ..

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On or about XX/XX/XXXX, I obtained a copy of all 3 of my credit reports and showed NUMEROUS unauthorized inquiries via transunion, XXXX, and XXXX. I contacted all three of the credit bureaus starting with XXXX. XXXX had me get letters that I had to get sent into them and as a result of that they removed XXXX inquiries that were not allowed in my credit. I contacted TransUnion this morning XX/XX/XXXX and was told that I would have to get those letters again even though I 've already explained to them a XXXX has already sent me proof that they 've been deleted and be that XXXX has those original letters. TransUnion does not seem to want to comply and follow suit with the other creditors so I 'm left with no other opportunity but to file a formal complaint at this time. The creditors in question for TransUnion or XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX through XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX through XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX through XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX for XXXX on XX/XX/XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX my social security number is XXXX my name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX Texas XXXX in my date of birth is XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Consumer Loan (Vehicle loan) with COOLEY ENTERPRISES INC (TX).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX XXXX, XXXX XXXX XXXX was returned to XXXX XXXX XXXX XXXX used car department of XXXX, Tx. This was a voluntary owner surrender of motor vehicleto lien holder Chase Financial Services Inc. where vehicle was originally purchased XXXX XXXX XXXX. As owner of XXXX XXXX I could no longer afford the monthly payments of {$490.00} per month, since retiring XXXX XXXX, and now currently drawing Social Security. Since returning vehicle to dealership, I have received numerous calls from Chase Financialservices in their unorthodox attempt at renegotiating another contract on the same vehiclefor which is totally unaffordable according to the in-house financing requirements they would have consumer expected to pay. On XXXX XXXX I received a phone call fromChase Financial Services again about XXXX yet this call was threatening and belligerent in nature from a manager within that organization. Under his terms if I did n't accept taking the XXXX back I would be subject to having my XXXX wages garnished by their dealership. I can consider this harassment and unethical practice towards consumer who no longer wants and can not afford dealing with Chase Financial Services Inc. especially after such a belligerent conversation from their management staff. As a XXXX XXXX Worth consumer and a XXXX Veteran I will certainly never do business again with Chase Financial Services. The rates for their used vehicles are tremendously over blown for any market financing, and unethical staffing does n't help theirrating in the community of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation