milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: In  XXXX  of  XXXX , I purchased a  XXXX   XXXX   XXXX . The loan holder, is  Santander USA . During the life of the loan, late payments were submitted and I requested   XXXX   deferments which understandably extended the life of the loan. In reviewing the contract it states that if a payment is late, the customer is required to pay 5 % of the payment that is late.   My car payments are {$360.00} per month. Santander claims that interest accrues daily and additional interest accrued due to the late payments. However, the contract does not indicate this. Furthermore I have never received written documentation supporting their claims. Presently, my account is current. On  XXXX   XXXX ,  XXXX , I contacted Santander to clear up all fees reflected on my account.. {$210.00} in late fees and a {$20.00} misc.fee. I paid an additional {$10.00} for the representative to process the payment. Thinking that the payment was applied to the late fees, I called and found out that it was not. Three additional calls was made and the payment was not applied. I was informed a supervisor would return my call ; and of course they did not. It was not until my fourth attempt that I was told that a request was forwarded to Santander 's accounting department to apply the payment towards the fees and to wa it 48 to 72 hours for   the adjustment. This incident is noted in my complaint to be used an example of the lack of, professionalism so within this corporation. However, during the call, I asked the representative, whose service was far more professional than usual. I asked her the same question that I have been asking over several months, and no one seems or wants to answer. My question : To satisfy the loan, when is the last payment to be submitted? Her answer :  XXXX   XXXX ????? How? My payments are current and not in arrears. Although their system reflects that my maturity date is  XXXX   XXXX , that date includes the requsted deferments, how do they substantiate the additional 10 months of payments? A previous complaint was previously submitted to the Better Business Bureau where no resolution was made. Other than late fees which amounted to {$210.00}, why should Santander receive an additional {$3600.00} give or take due to late payments? As of the beginning of  XXXX   XXXX , my remaining principle balance was {$8700.00}. Why?  Santander h as been applying my money to satisfy unexplained interest fees rather than applying the money to my principle balance. At this point in the loan, they have received above the requested amount of interest that is stated in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: XXXX XXXX error caused charge for XXXX to be deducted from my bank account. 
PNC Bank charged me {$420.00} worth of overdraft charges as a result. I contacted XXXX and they agreed to refund the {$110.00} to my bank account. I brought XXXX confirmation email to branch in XXXX XXXX FL and Manager refused to refund the overdraft charges. 
I am currently unemployed trying to make it on a {$1000.00} a month alimony check. Having {$420.00} go out the door for a charge that was an error is unacceptable. Please assist

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Used XXXX XXXX site that showed me a page with loans that I could be eligible for and said it was n't an application but to put how much I needed and I hit enter and sent told me I 'll be getting info to see what they say. Now I have a copy of my credit report and XXXX XXXX ran my credit to all those loan places that was on that page and I now have XXXX inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Medical debt) with Advantage Financial Service LLC (Idaho) (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I was contacted in XX/XX/XXXX at work by Advantage Financial a debt collection agency.  I told her I had never heard of them and asked what it was for. She told me she had my signature on file for a document saying I would pay it I told her I 'd never signed anything and I do n't know anything about what she 's talking about. I asked for a copy of these I never receive them I called week later asking for them they said they would send them I still have n't received them. Two days ago I was served paperwork by their attorney. I called Advantage Financial to find out why I had never received the paperwork. The lady who works there told me they sent them to an address when she told me the address I told her I had never lived at that address and do you know what she was talking about. When I told her I still had no idea about this debt and I did n't know what she was talking about she proceeded to tell me it was medical bills for my daughter. I told her I do not have a daughter and this was not my debt. She then said she needed to speak with her supervisor and to call her back. When I called her back she said she was no longer able to speak with me about this and I needed to speak with her attorney. When I spoke with the attorney she threatened if I did not pay this they were going to garnish my wages. I told her I do n't have a daughter and she said yes I do this is my step daughter 's Bill and  they have witnesses and me signing it. However I 've never been married and I do n't have a stepdaughter I do n't even have a daughter. I have since then ask for a copies of this debt and I still have not received it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: US Bank has engaged in an illegal criminal falsification with accounting fraud, bank fraud, wire fraud, mail fraud, and stalking involving a female employee I have never met and persists in diverting US mail, returning refused mail, falsifying claims to third persons that I " use a false address '' to the US Post office, and responds to any request that they at least get the XXXX out of my US mail with more flat refusal to comply and have " cut off all public services '' nationally in retaliation for the excessive consumer dispute required to force them to drop it as a entity that keeps claiming falsely that they have some lawful dispute that they have been " harassed '' by CFPB into dropping. 

Which is also why they divert the US mail and require that I sue them to force them to stop diverting US mail and are at this time dragging me through the Postal Inspectors and Inspector General as they contacted somebody at the Post Office to get them to keep illegally redelivering refused mail, to the point of forcing my business to change mailing address too as stalking and criminal pursuits aided and abetted by US Bank as an entity continue to be the crux of the problem and the point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 11/21/2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter in the mail from ARA inc . They told me that I owe them {$3300.00} for my XXXX Account. 

I do not recognize this debt to be mine. I contacted my local law enforcement agency who told me that this is most likely a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX, XXXX representing Pinnacle Credit Servicices LLC has put a derogatory mark on my Credit Report. I had cancelled my service with XXXX over 7 years ago and they are saying that I owe them evidence to support my dispute on my Credit Report. I sent a letter to XXXX 7 years ago diputing the alleged amount they were stating that I owed. I called XXXX and cancelled my account with them, and told them to turn the phone off because it had been stolen. The thief somehow got the phone re-activated and was using it without my knowledge. I refused to pay the amount owing because I had disconnected my service when the phone had gotten stolen. Pinnacle is asking for substantiating evidence, including a police report ect, a notorized affidavit or a filed court order, and they need that within 5 days. This was a debt from over 7 years ago! They put this on my credit report after the statue of limitations, like it was a new debt! This needs to be taken off NOW! It is effecting the amount of my Car insurance and may effect me getting a loan in the future. At the bottom of the letter it states that " This is a communication from a Debt collector. " " This is an attempt to collect a debt and any information will be used for that purpose '' I had told XXXX not to contact me about this debt, now they are doing it under a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: In XXXX XXXX, 2016, the bank of America inserted a 'online reply expired ' document in the message center, of my eligible claim.

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: Equifax has failed to validate information I disputed on my credit report. They have failed to provide me copies of any documentation associated with the  XXXX  accounts I disputed, bearing my signature. In the absence of any such documentation bearing my signature. I asked that if the information was not provided that it be deleted immediately from the credit file under my social security number. There were  XXXX  unfamiliar accounts that appeared on my credit report. I have no contract signed with any of these companies so I filed a dispute with the credit bureau and they said it was mine but have not provided me anything bearing my signature from the clients they claim to have verified with and me having a common name I typed the name in on  XXXX  in my area and there are over  XXXX  people with the name  XXXX   XXXX . In my letter to the credit bureau that I send in  XXXX    XXXX  , I challenged the accuracy, compliance and report ability of the listing. The  XXXX  accounts listed are  XXXX .    XXXX   XXXX  services  XXXX .     XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXXI was sued by a bank for a loan that I was alleged behind on. Later ( I believe it was a few months ), I was sued again by Portfolio Recovery Associates, but for a higher amount for the same account. 

I contacted Portfolio Recovery Associates in reference to this account, and they are saying I owe them for a XXXX credit card from the original creditor. I never had a credit card with the original creditor, only a loan. I have requested the proper paperwork from them, and Portfolio Recovery Associates has failed to provide the proper paperwork validating that there is a valid debt. They are failing to abide by both Federal Law as well as Texas State law. I have phone recordings from my phone calls with Portfolio Recovery with evidence that they do no have the correct information regarding the account. 

This all goes back to the consent order issued by the CFPB in XX/XX/XXXX where Portfolio Recovery Associates was fined for suing people knowing they would not show up for court, as well as not having proper paperwork on debts. 

This information needs to be deleted off of my credit report because it is apparent that Portfolio Recovery is in violation of the consent order from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My initial communication to Collection Consultants was XXXX XXXX, XXXX, after having discovered this account on my credit report while in the process of buying a car. 
Meanwhile I disputed with CRA 's online. After sixteen days with no response, I submitted a CFPB complaint on XXXX XXXX, XXXX. To date, Collection Consultants was unresponsive to this as well, so I disputed with CRA 's again through the CFPB. 
I sent another letter to Collection Consultants on XXXX XXXX, then again on XXXX XXXX, XXXX, requesting underlying documents from the original creditor, including a chain of title, since I was unable to reconcile this account and amount, and suspect that it is something that was already paid in full by my parents years ago. 
A response from Collection Consultants was finally received on XXXX XXXX, XXXX, in the form of a printout of the itemized account information. I had requested an original itemized statement from the original creditor to review ; the FTC has stated that a " mere itemization '' is insufficient proof to constitute validation of an alleged debt. Per the limited detail provided by Collection Consultants, in fact, it appears that an unknown " adjustment '' was added to the account balance after payments were made, creating a new " balance ''. As of XXXX, XXXX, Collection Consultants recent collection letter has inexplicably inflated the unsubstantiated debt from {$1700.00} to {$2400.00} or {$2400.00}, depending on which letter you look at. 
Further, it seems that CC may not be the first debt buyer to be involved with this account, given the reported assignment date of XXXX XXXX. Incidentally, the original date of assignment to collection is most likely much earlier, according to your records, XXXX XXXX was initial delinquency, yet is being inaccurately reported to appear recent. 
Collection Consultants was requested to document their ownership of the debt, the balance of the debt, the date of the default or last payment, the identity of prior owners of the debt and the name and address of the debtor in the original creditor 's records. In addition, the debt buyer must also have the original contract or a document provided to the debtor while the account was active to show evidence of the debt. 
Please note that, in over 70 days since my initial letter, Collection Consultants has failed to prove that this debt is mine, that it is accurate ( I 've never had Physical Therapy in my life! ), failed to provide me with an original contract made with the original creditor, and has failed to provide me with proof that Collection Consultant 's has a legal right to collect on this alleged debt, as I requested. All collection activity, which includes reporting to CRA 's is legally required to cease until this information is provided. This was not done, and Collection Consultants is in violation of federal and state debt collection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a copy of my credit report and it showed inquires that I do not recall authorizing. I understand that an inquiry should n't be allowed on my file unless I authorized it.The unauthorized inquires are attached and have been highlighted.

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 11/23/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This account was not opened by me. I do n't know where is it comming from

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Bank account or service (Checking account) with U.S. BANCORP (WI).
Issue: Account opening, closing, or management

Complaint: I have previously contacted US Bank in reference to monthly account maintenance fees. I learned that the minimum account balance to avoid the fee is {$1500.00}. Despite having this minimum balance, on XXXX/XXXX/2015 I was charged this fee. This is in addition to XXXX previous months where I was charged, and US Bank had to waive, this fee. In this circumstance US Bank has declined even after multiple attempts to credit this fee despite it being charged due to bank error. This is a predatory fee that is being charged in error and must be credited. 

The reason this account was left open with the balance was that US Bank sent me a promotional email titled " {$5.00} For XXXX ''. This is essentially where if I used my bank account for XXXX bill pay payments in the month of XXXX I would receive a {$5.00} account credit. I reviewed the fine print in the email and proceeded to schedule bill pays through US Bank 's website. I met all requirements that were laid out in the initial marketing email. I contacted US Bank on XXXX/XXXX/2015 to inquire why I have not received this {$5.00} promotional credit yet. In the reply, US Bank stated that there were additional requirements that I had not met. I went back to review the marketing literature again ( promotional email ) where no additional requirements were disclosed. This constitutes an unfair, abusive and predatory practice to enforce terms and conditions that were never provided to begin with. As all initial requirements were met the {$5.00} must be credited to my checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/19/2017 about Credit reporting () with P.S.C., Inc (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've been seeing an apartment for {$16000.00} on my credit report and I never lived at that location. I contacted the collection agency and told them about the inaccuracies and they basically told me they wo n't delete it. I called the original creditor and they are no longer in business.

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 06/29/2016 about Debt collection (Medical) with AMCOL Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ). A visit to emergency room was covered under insurance and a claim was filed with my insurance company ( XXXX XXXX XXXX XXXX, Texas ). Insurance company requested additional information before they could make a payment. XXXX ignored the information request and reported the account as delinquent to a debt collector. XXXX never sent me a bill of any outstanding balance, nor did they inform me about claim denials. First contact on the balance was from a debt collector asking to pay up the entire amount. When I protested I was told to talk to my insurance provider as if it was their mistake. Spoke to XXXX and they said they have n't sent anything to the insurance company and that my account should never have been marked as delinquent or reported to the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX, amount of XXXX. I have disputed this account with all 3 credit reporting agency. I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Rent Recovery Solutions (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am currently under bankruptcy and both the collection agency and XXXX have been notified by my attorney. They are still reporting as an open collection on my report which is a clear violation of my rights and are refusing to remove this information.

Company response to consumer: Closed with explanation