milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Access Receivables Management (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Our Business has been getting repeated very harassing phone calls from Access Receivables and their employee XXXX XXXX in regards to a debt with XXXX XXXX that we do not owe. He continues to call and yell at myself and our employees. He is attempting to collect debt that we do not owe and has not provided any proof of the debt. They have sent us copies of old contracts, but what they have sent is not current and does not support their claim of the monies owed. I have told XXXX many times to stop calling and he has ignored this request. He has called and upset employees at our business that have nothing to due with vendor interaction or financials by being rude, disrespectful, and yelling.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Using a debit or ATM card

Complaint: Recently, I filed a Reg E claim with my institution.There were several attempts to utilize my card at internet sites and on from XXXX XXXX has posted to my account, the others were rejected. Since filing this claim I have followed all steps directed from TD Bank. I have filed a police report with my local police department ( City of XXXX Police Department case # XXXX ), only to be told that I must file a police report with another police department where items were sent utilizing my card information. 
The branch has told me there is no way for them to contact the fraud department to share information I have received about the fraudulent purchase. The items were sent to XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I am inclined to believe this fraud happened after my card information was compromised at a dealership after a legit transaction. I recently placed a hold on a vehicle at XXXX of XXXX which is only 20 min from the delivery address of the fraudulently purchased items. Additionally, the customer service department now tells me that it is my responsibility to seek a refund from XXXX XXXX and that I may have to wait for the bank to file a claim with XXXX. I have not even been given provisional credit and it seems that the bank is somehow not processing this Reg E claim as I suspected. I did not make these purchases, I have provided all pertinent information that has been requested and I feel like I am being given incorrect or additional steps that I am not sure is required of me. I really want the Bank to fully investigate and catch these thieves but I also would like for them to provide provisional credit during their investigation. I am willing to help the best way I can but it seems that some of the request are a little convoluted and actually are in sense beyond my control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Managing, opening, or closing account

Complaint: Several weeks ago I opened American Express Serve Free Reloads prepaid account XXXX with card number XXXX XXXX XXXX. Yesterday, Amex suspended my account and has been stonewalling me since. 

I had a balance of {$1600.00} in my XXXX XXXX account and wanted to withdraw it into a bank account - which is a feature of the card. Very quickly afterwards and without any warning, I received email that my account has been suspended because of violations of Member Agreement. 

Calling Amex XXXX Account Protection Services yields nothing. They claim that the decision is final and they ca n't do anything about it. They refuse to explain what happened, what I did wrong ( just point to section XXXX which is very broad and non-descriptive ), and refuse to escalate to a supervisor or say what can be done to cure the account to a good standing. It 's a complete stonewalling. 

Additionally, because the account is suspended and not closed, I ca n't reapply for a new account with Amex XXXX as any old account must be closed. 

I request that Amex XXXX either a ) re-activates my account in good standing ( I 'm willing to work with Amex to clear any misunderstanding ) or b ) closes my existing account and allows me to re-apply for a new account. 

I 'm particularly upset that Amex XXXX did n't give me any warning of account suspension, did n't give me any explanation, or a chance to resolve the issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: this is a Home Equity loan taken out in XX/XX/XXXX the lender is Chase Bank. I have other major issues with the primary loan ( handling separately ) I also have, but this complaint is for this one ( Equity Loan line of credit ). My due date on this loan is the XXXX of each month. First let me explain when I took out this loan in XX/XX/XXXX the person signing me up ( no attorney or consumer rights acknowledged ) the only question that I had to answer to a bank employee at my home was if he thought my home was worth the value of the loan also NO questions about my monthly living expenses, he at the bank where i signed explained that after the first 10 yrs the interest will paid then the payment will go down to " only '' payments on the actual principal. Over the past 3-4 yrs I have had an enormous financial decrease in income and started paying attention to my finances with special note on my debts. Not only has this loan after speaking to multiple Chase Bank employees been discovered to total out at 75 % interest if I continue making only interest payments ( lower monthly payment ) but I was told that I was expected also, to not only continue paying interest payments, but now also in addition now to make principal payments ( XXXX monthly payments amount ). I have already paid as per Chase Banks own records XXXX in interest the past 10+ yrs, but continuing to pay only the interest by the end of the term another 20 yrs, will total another XXXX plus the full XXXX principal. This totals XXXX on a XXXX loan which by my math is 75 % interest ( XXXX ) then the balloon of XXXX. The total for this loan if go to full term is XXXX XXXX XXXX for a XXXX equity line of credit loan. Now since fighting with Chase on my primary loan, I am noticing that they are attempting what I will call Fraud on this loan. On the XX/XX/XXXX I sent in the payment ( see attached ) and it was received on the XXXX. I called my bank on the XXXX and spoke to XXXX '' ( rep ) she stated that they did not receive it and it is expected, I said to her " NO I sent it on the XXXX ''. She gave me provisional credit ( as she called it on the XXXX ) Case # XXXX. It finally showed up at my bank on the XXXX ( day after due date ) Then I later received a letter stating they recorded it and made the " adjustment '' on the XXXX, the SAME day I sent it to them!!. I am declaring that Chase Bank is trying to cause me a fraud situation and trying to put me in financial harms way due to my upcoming court case with my primary loan that is a predator loan. Please see all attached!!!

Company response to consumer: Closed
Consumer complaint received 12/14/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: calls from : Owner Info for XXXX Landline Near XXXX, Ohio Issued by XXXX XXXX XXXX - Oh could be collection company called Diversified Consultants. Diversified Consultants, Inc. is one of the nation 's leading Telecom-specific collection agency specializing in the recovery of Wireless, Landline, Cable, Satellite and Security debts. 
Looking for a person named XXXX XXXX. I think I have had the same phone number for over 10 years and for 10 years at least 10 companies have been calling an asking about the same person. You would think that by now someone would suspect that XXXX XXXX is never going to answer. 
But what is worse they initiate voice mails with no messages. And call at least once every day. Surely some new laws and rules should be put in affect that can limit the amount of years to hunt someone down by phone numbers ... I 'm sure the money spent trying to collect this debit is 10 x what the ordinal debit could have been. 
Do n't removed the name named XXXX XXXX - she needs to know the far reaching consequences of her lame XXXX actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: I have recently been a victim of fraud and have place security freezes and fraud alerts on all my credit reports. Listed below are accounts that I did not approve the following for my credit to be ran. Please review and delete this information from my Transunion credit report. I have reached out to them several time via phone, fax, and email and have not received any response. This is causing me a lot of pain and suffering. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/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 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: inquiry victim today i checked my report again i have inquires from companies i never authorized on all  XXXX  credit reports Experian,  XXXX ,  XXXX   XXXX .   I called the  Credit reporting agencies they told me to call the companies, i called the companies and they said for me to send a copy to them and need to investigate it because the Credit report ing agencies make mistakes.

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 11/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Have hard inquiries on my credit report for someone trying to get a card with my information. Not me it is showing XXXX hard inquiries on Trans Union.

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 12/21/2017 about Debt collection (Credit card debt) with JTM Capital Management, LLC (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Back in XXXX I made an arrangement with the collection agency they offered me XXXX to pay in XXXX installments, I paid XXXX dollars and the remaining XXXX was supposed to be paid sometime in XXXX. I gave them my checking account information but when I was away on vacation my checking account was compromised so I closed the account, when I got back from vacation the collection agency called my job, I asked them to not call me at work, if they needed to get in touch with me they can write to me. I explained to them what happened and I also told them I could not pay the balance of XXXX they said they would contact the original creditor and see what they wanted to do. To this date as of XXXX XXXX, XXXX I have not received anything in the mail but I got a phone call again at my job, on XXXX XXXX, XXXX they did not provide me with their name only the company name they threatened to speak with my human resource department When I called back I spoke with a XXXX XXXX who is a supervisor at the company and I told her I was sending the company a cease and desist letter I also faxed a copy of the cease and desist letter to them and I also emailed the cease and desist letter I also told XXXX XXXX if they needed to get in touch with me to send me something in writing my mail and she said they dont do mail only by email, so she sent me a payment letter saying that I agreed to pay XXXX by XXXX XXXX, XXXX which I did not agree to. XXXX XXXX is also accusing me of giving her a fraud checking account information. Please see attached the letter they sent me for payment, the cease and desist letter along with the fax copy page

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose prepaid card) with SYNCHRONY FINANCIAL (NY).
Issue: Unexpected or other fees

Complaint: I purchased a mattress at XXXX 's in XXXX XXXX XXXX on XXXX  2017. The salesman convinced me to buy it through a financing program they offered in store in order to qualify for 0 % interest on the purchase of the mattress. I just noticed that the purchase had a 30 % interest charge that was deferred for 12 months and then added to the principal balance and the 30 % rate continued to be applied to new balance. 

The salesman said that if I enroll in autopay that it will automatically deduct the necessary amount to pay off the balance and I would n't be charged any interest. I feel I was tricked into signing up for this and now I 'm paying 30 % interest.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After applying for a loan, my credit report stated that XXXX had issued a 30 day and 60 day late payment for my credit card. After first reaching out on chat, the employee agreed with me and stated that this was a mistake and he was not sure why this happened. They submitted a dispute but got back to me saying the information was correct and I missed those payments. I called and asked a supervisor to verify the information which she could not. She looked over my accounts and I asked if she say any late payments or fees associated with my card which she replied to with " hmm no, but lets file another dispute and see what happens. '' Weeks go by and I file another dispute where I send in all my statements that accurately show a credit to my account in full every month for the so called " late payment '' In total it has been almost 2 months where I still have not gotten a resolution or a clear answer as to why they reported to the credit bureaus that I was delinquent on payments for up to 60 days.

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 04-05-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Unsolicited issuance of credit card

Complaint: USAA has decided to do away with their MasterCards, which is their prerogative, but what they have done is taken the liberty to issue Visa credit cards to all of its MasterCard customers without their authorization. I now have a Visa card from USAA on my credit report that I never wanted or authorized. If this were a store card, such as a XXXX XXXX card, being created without my authorization, nobody would question that it would be considered fraud. How is this any different? 

The email I received last week was the first I knew of the change coming. The email said the MasterCard would remain open until XXXX XXXX. However, they have already performed a balance transfer from the MasterCard to the new unauthorized unwanted Visa card. I logged in over the weekend to pay off my MasterCard balance in full as I do every month, but all but {$24.00} had been moved to the unauthorized Visa card. Transferring money more than a month in advance of the MasterCard being closed without my authorization appears to be more fraudulent actions on USAA 's part. I called USAA and asked that the transfer balance be transfered back to my MasterCard and I would pay off the balance in full, but they said they could n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have filed several complaints against Kia Motors Finance for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected on XX/XX/XXXX and then on XX/XX/XXXX they add the negative information back to my credit report again.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OpenRoad Lending (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My name was falsely signed to obtain loans at Wells Fargo for my sons student loans. I was harassed by WF about paying them. the loans defaulted. as a settlement I paid off the loans ( since they were for my sons education. I refused to pay all of the late fees and interest WF said I owed. I have asked WF to show me my signature that shows that I signed for the loans. they have never been able to produce any signed document after the first semester which I did sign. WF wanted me to fill out a criminal complaint against my son which I refused. I asked them If I did fill out a complaint would I get my {$40000.00} back that I did pay. they would not commit to that.to this day my credit is still in shambles due to the fact WF will not release my Loan debts ( which I never signed for and have paid ) because they say that they defaulted

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 11/15/2016 about Prepaid card (Payroll card) with NETSPEND CORPORATION (MS).
Issue: Advertising, marketing or disclosures

Complaint: I recently received a card in the mail from NetSpend stating that I could receive my paycheck two days sooner if I chose their card and paid a {$9.00} monthly fee for their premium service plan. I am not certain how they got my information or why they would send the offer to me. However, because I live in a relatively low income neighborhood, I fear that NetSpend is preying upon individuals who lack transportation to banks and/or the financial savvy to recognize predatory lenders/finance companies. I was instructed by a member of the XXXX to bring this issue to the attention of the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX-XXXX-XXXX Company Info : Account # XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, CA XXXX I have never done business with Portfolio Recovery XXXX I do not have a signed contract not any contract with Portfolio Recovery Associates. I have the right to demand to see a signed contract between Portfolio Recovery and myself

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Medical) with HEAD MERCANTILE CO., INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: HMC, XXXX XXXX Attorney with HMC and XXXX XXXX XXXX from HMC XXXX treated me very unfailry, XXXX XXXX recorded our converstaion incorrectly with false statements leading up to them issuing a garnishment for my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX XXXX, XXXX, on behalf of Capital One Bank ( USA ). 
Since XX/XX/XXXX, the above collection company have constantly called me, with an attempt to collect a debt in the amount of {$4000.00}, ( after I asked them not to call anymore and that the debt does n't belong to me it belongs to the corporation inwhich I once worked ), they have mailed me numerous letters, I received the last letter XX/XX/XXXX ( after I asked them not to contact me anymore ) and they have damaged my credit report with all three credit agencies, because of this derogatory mark on my credit report, I have had a very difficult time trying to obtain US Veteran housing. 

I have repeatedly told this collection company that " this debt is not mine and to please remove this negative remark from my credit report, ( inwhich I have never given access permission ). I have repeatedly told and written letters to this collection agency stating that this debt belongs to XXXX XXXX XXXX XXXX a company credit card inwhich was I used under the corporation 's name and was not and is not responsible for debt or repayment. The corporation since then has dissolved. Please ressolve this matter. 

Thank you

Company response to consumer: Closed with explanation