milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TrueAccord Corp. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received an email from a man called XXXX XXXX who works for a debt collection company called True Accord. True Accord is located at XXXX XXXX XXXX, CA XXXX. 
The message claimed that I had purchased a product called XXXX from a company called XXXX XXXX, a skincare company. 
I had no knowledge of XXXX or the product. ON searching the internet I found out that XXXX XXXX is a skin care company. I also discovered that the product I was supposed to have bought was a supplement designed to build muscles! 

I absolutely refute that I purchased any product and especially XXXX called XXXX In XXXX years I have never failed to pay a debt and I have always paid on time. I am puzzled as to how XXXX XXXX came by my information and how it convinced True Accord that I owed them a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with Fifth Third Bank. XX/XX/2016 I paid off my mortgage. At the same time the tax bill from XXXX County arrived, for the amount of {$770.00}. Fifth Third told me that because the mortgage was paid off they would not pay the tax bill and I should pay it directly. I did pay it myself, but it turned out that so did Fifth Third, and they deducted that amount from my escrow pay-off. However, when I called the XXXX County tax bureau in XXXX, they said they only received one payment -- mine. They told me if they had received 2 payments they would not have processed the second payment. They would have simply sent it back. So, even though Fifth Third said they paid it, that payment has never been processed. I have no idea if their check was ever issued or is lost or whatever. But the tax authorities only received my personal payment. I have contacted Fifth Third numerous times, and all I get is the runaround. First they told me they need more time to investigate the matter, to make sure the payment was not completed. Then they told me they need more time to process the refund. Then last time, on or around XX/XX/2016, they told me the check was in the mail. This turned out not to be true, since no check has arrived. It is now 2 and 1/2 months, with no resolution in sight. Fifth Third is being totally uncooperative and unhelpful. They should be made to return my money. Here is a copy from the Fifth Third Website indicating they deducted the payment from my escrow account on XX/XX/2016. 
XX/XX/2016 XX/XX/2016 ESC DISB - TAXES {$770.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with THE VALLE LAW FIRM, P.A. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a pay arraignment for a debt that went to the Valle law firm. My first issue with this firm was the bill was incorrect and first they billed me for over {$200000.00} which the bill was only {$260.00}. When I called to take care of this debt they informed me it was a billing era and the account number was used for the amount balance. My second issue was after I already made payment arraignments with XXXX XXXX account manager I was still recieving collection phone calls. Not only did I receive calls but they called my parents and asked if they knew me or knew where I was. Again this is after I have already made a few payments and just a day before my last payment was about to be withdrawn from my bank account. When I contacted the law firm about the phone calls they told me " oh it was a mistake ''. A mistake how do you make phone calls to someone parents asking if they know where I am as if I 'm in some kind of legal trouble. The level of unprofessional behavior and disorganization of this firm is unbelievable. I was completely embarrassed by their phone calls especially after I was always willing to pay my debt.

Company response to consumer: Untimely response
Consumer complaint received 12/22/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CO).
Issue: Money was not available when promised

Complaint: Paypal held my funds for over 21 days, which is beyond their contract and beyond the Electronic Fund Transfer Act allotted time frame in which to pay. 

The CFPB.gov is more than aware of the problems with Paypal holding funds to collect interest. Why is the CFPB not doing anything about this? Who may this be escalated to?

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I re cently decided that I 'm ready to buy a home. I pulled my credit report from ALL  XXXX  Bureaus and there 's nothing but inaccurate information and accounts that do n't belong to me. A while ago my purse was stolen and I have n't applied for anything since. I mainly bought things in CASH. However, not realizing that paying in CASH is n't always the best option. I am beyond furious with these reporting agencies. It seems as though they 'll report ANYTHING even if it does n't belong to you. I filed another police report for IDENTITY THEFT and still NO RECONCILIATION. I 've even taken taken the liberty of contacting ALL listed collection agencies asking for PROPER DEBT VALIDATION w/ SIGNATURES and still nothing.I am ready to close on my new home but these fraudulent accounts must removed prior to my close date in   XX/XX/XXXX . He re are the following fraudulent accounts : * XXXX **-   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   :  XXXX  ( this seems to be a credit card that I 've NEVER HAD and it looks as though this company is VIOLATING PROTOCOL and REAGING this account, PLEASE SEE FCRA GUIDELINES TO FAMILIARIZE YOURSELF WITH FCRA REGULATIONS ) ;   XXXX   XXXX   XXXX  -   XXXX   INQUIRIES :  XXXX -  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX ,   XXXX   XXXX   XXXX  -   XXXX   XXXX   - XX/XX/XXXX  ,  XXXX -  XX/XX/XXXX ,  **EQUIFAX** -   XXXX   XXXX   XXXX   :   XXXX  ,   XXXX   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX    :  XXXX  ,   XXXX   XXXX   :  XXXX  ,   XXXX   XXXX   XXXX   ( this company is reporting twice and it looks as though someone had household goods, mind I bought my furniture CASH years ago and I do n't apply for credit unless it 's with   XXXX   XXXX   ) ;   XXXX   XXXX   :  XXXX  ( this seems to be a credit card that I 've NEVER HAD and it looks as though this company is VIOLATING PROTOCOL and REAGING this account, PLEASE SEE FCRA GUIDELINES TO FAMILIARIZE YOURSELF WITH FCRA REGULATONS ) ;   XXXX   XXXX   XXXX  -  XXXX  ;   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   :   XXXX    INQUIRIES :  XXXX  XX/XX/XXXX  - XX/XX/XXXX   ,    XXXX   XXXX   XXXX    -  XX/XX/XXXX  ,   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   XXXX  - XX/XX/XXXX   XX/XX/XXXX ,    XXXX -   XX/XX/XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   -  XX/XX/XXXX   ** XXXX **-   XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX   :   XXXX  ,   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX   :   XXXX    INQUIRIES :  XXXX -  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX ,   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   XXXX   XXXX  -  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: RE :   XXXX   XXXX   XXXX   (  deceased )  XXXX   XXXX   XXXX   XXXX   XXXX , MA  XXXX  On or around  XXXX ,   XXXX  , I,  XXXX   XXXX   ( d aughter and power of attorney ) purchased a bluebird card from  XXXX  and deposited {$800.00} appeox. onto it for  XXXX . On  XXXX   XXXX ,  XXXX , My mother passed away. I called and informed bluebird, the wanted a copy of my power of attorney, I sent it out. They closed out the account, but never sent the money back, Are they allowed to keep it? I have called but they keep hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (NC).
Issue: Managing the loan or lease

Complaint: I finance my vehicle with CNAC in XXXX XXXX and have made my monthly payments on time, as reflected on my credit reports, since Day one. 
Starting in or around XXXX XXXX, my account representative was changed over to XXXX XXXX. Since the time he received my account, he began calling me days prior to my due date asking if I was going to make my payment. even after I confirmed that my payment would be made on the due date, he continued calling repeatedly asking the same question until the date of the payment. There would be days where he would call me multiple times and leave multiple messages. In XXXX and XXXX, XXXX XXXX made hard inquiries on my credit reports without my consent. He continued harassing me all through XXXX XXXX. In XXXX, he sent another employee to my residence demanding payment or he would have my vehicle towed. when I refused to pay him, he proceed to act as if he was calling the tow truck. I then called CNAC directly where they advised the employee to leave the premises. 
My account was transferred over to XXXX with CNAC in XXXX and that was fine until today. XXXX called me and left me a message regarding my promise to pay today ( which was fine ), but then XXXX XXXX called me and left me a message as well, following up on his harassment. when I called back in to make the payment, XXXX answered and I requested to speak with someone else, he refused and stated that there was no one else to speak with. he then began being very rude to me and asking why I had a problem with him. when I advised that he was in violation of the Fair Debt Collection Practices Act, he stated that I was just making excuses for my payments being late and started being very derogatory. He refused to transfer my call so I bid him farewell and called back and made my payment with another employee. XXXX has been in violation of the Fair Debt Collection Practices Act and has continued harassing me amidst my requests for him to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX, AND EXPERIAN HAVE FRAUDULENT INFORMATION ON MY REPORTS IN MY NAMES AREA OF MY FILES THIS IS THE FRAUDULENT NAMES. ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) MY SOCIAL SECURITY NUMBER ENDS WITH ( XXXX ) THERE IS A VARIATION THAT END ( XXXX ). I HAVE ATTACHED MY POLICE REPORT TO PROVE THE FRAUD THAT WAS DONE IN MY NAME.

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 06/24/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: We had a terrible experience with Wells Fargo fraud protection. They did not protect us AT ALL. In XX/XX/2015, my husband and I accidentally wrote and mailed XXXX rent checks to our landlord, XXXX each. We notified them and asked them to cancel the XXXX check when they received it, or to hold it until next month. On XX/XX/2015, I viewed the checks online. XXXX had been withdrawn from our account. I noticed that XXXX had been altered. The payee name had been changed from our landlord's to a name that was unfamiliar to us. Our landlord informed us that they never saw the XXXX check, and that they were also unfamiliar with the altered name. I called our bank, Wells Fargo, on XX/XX/2015 to report the fraud. I called again to check the status of the claim on XX/XX/2015. We also reported the fraud to the XXXX Police Department and were assigned a case number. We were given a claim # by Wells Fargo and submitted an affidavit to them on XX/XX/<YYYY> Wells Fargo did NOT return XXXX to our account. We were told that the bank that cashed the check was responsible for restitution, and that we had to wait for Wells Fargo's claims department contact them and obtain the money from them. We were told that this process could take a couple of months. Every month, we called to follow up, and Wells Fargo kept telling us the issue had not been resolved yet. Finally, we called Wells Fargo on XX/XX/2015 and they told us that the claim had been closed in XX/XX/XXXX (they made no attempt to contact us about it) and they would be unable to restore the XXXX to our account. We are extremely disappointed in Wells Fargo's fraud protection policies and will be moving to another bank soon. We do not feel valued as their customers. We have been telling our friends and family about the situation to warn them not to choose Wells Fargo as their bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I do n't that my loan amount and interest being made to pay is correct, I feel as though I 'm being over charged a substantial amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a loan with Nationstar Mortgage I had a trial payment of XXXX with an income of XXXX. I had to request 5 times that they take the money out of my account. I was XXXX short I informed them that I would the XXXX dollars would be taken from a XXXX XXXX account. The employee at Nationstar said he could not process a payment under XXXX so he refused to process the XXXX dollars then report me to the Dept of Treasury so I can no longer be eligible for the Hamp program that was done on purpose. I should still be eligible for Hamp that was a false forced information. Since when do you have to beg a lender to take funds. At this time I am stuck with their program of their choice. 
Desired Resolution : Hamp Program Loan with supervision from Hamp personnel. 
My Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Product : Loan from Nationstar Mortgage. Texas USA

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Using a debit or ATM card

Complaint: There was false charges on my chase debit card, I called chase that evening after I found those charges. Later that month my claim was denied and I was out XXXX. The charges was made at the local grocery store down the street while I was at work. They claimed my signature matches therefore my claim was denied. I was at work and the card was in my possession. We disputed this charge XXXX called XXXX times and also escalate it to their senior management. They advised me there is nothing I can do to reverse these false charges and I will have to file a police report and handle it with the merchant. Chase bank does not provide the protection that they claim they say they do.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Mortgage (FHA mortgage) with LoanCare, LLC (GA).
Issue: Settlement process and costs

Complaint: This is an invalid debt due to invalid Lien on Property and debt is paid. XXXX XXXX XXXX transferred this debt while Complaint was filed with the Inspector General here in Georgia and documents showing that XXXX had flied an Fraudulent title removing XXXX XXXX from XXXX illegally and placing themselves in First Lien Position then transferring the Fraudulent debt to LoanCare ( XXXX while still in Court. Forensic Audit as well as XXXX HUD ( XXXX XXXX , Director ) verified that this is an Invalid Lien and ask XXXX not to file Foreclosure Proceedings. XXXX then transferred this fraudulent debt to LoanCare Servicing to pursue an illegal debt and pursuing a wrongful foreclosure while this case is in Litigation with the Courts. I never signed any agreement with XXXX nor LoanCare. Documents upon request

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 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX in the late afternoon I called AMEX platinum card, where my husband was the primary card holder. My husband passed away on XXXX XXXX. I called to close the account on which I was a secondary card holder. I was told by the company that if I did not pay the balance of {$3300.00} by the end of that day that the account would be turned over to a collection agency. Out of fear, and being in shock still from the death, I was intimidated into paying these expenses immediately. 

Now that I have spoken to others I am being told that this was a brutal abuse to avoid having the company insurance pay the balance and that I should not have been held responsible for these expenses nor should I have been threatened into paying this immediately, especially in such an emotionally vulnerable state. 

I feel completely abused by the disgusting display of brutality and abuse from a company that charged hundreds of dollars a year in fees and proceeded to keep my husbands earned points and blackmail me into paying medical bills and funeral expenses under pressure. 

I will add that these recent expenses were spent on my husbands medical bills for his XXXX treatments and his cremation expenses. Is it necessary for AMEx to steal from a heartbroken widow?

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2016 about Debt collection (I do not know) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive robocalls and other types of calls from someone claiming to be " ERC ''. I have not engaged with these people by responding to any questions or by calling them back. 
I do not have any outstanding debts whatsoever. I owe no one money. I am not in arrears on any debt. 
My name and home phone number are publicly available, but the number is on the " do not call '' registry. 
As I owe no money, and my number is on the registry, I believe that ERC is engaging in fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I opened up a free checking account at Wells Fargo bank a few months ago. When I checked my account today, without telling me, they had charged my account due to inactivity causing my account to go into the negative.

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 09/30/2017 about Debt collection (Other debt) with PAYPAL HOLDINGS INC. (ND).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I made a payment through a verified checking account. The payment posted. 5 days later, I received an email stating that the payment had been returned code XXXX account or wrong name on account. I asked the bank to verify the name and account number that they submitted in which I received no reply. Returns can not be issued to a closed account as closed accounts are not open for credits or deposits. I called the company to inquire as to why the payment was returned. I spoke with a XXXX and asked for a full transaction audit history, not an account summary. I received no reply in 30 day. I then wrote the company a letter asking to validate the debt through a full transaction audit and emailed to the companies provided email address. I received an automated reply that the address was not monitored. I emailed the letter to a different company email. I received an automated reply stating that if I needed further assistance to contact customer service to assist further. I emailed the letter for a XXXX time.I am seeking validation of debt through a full transaction audit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: DITECH FINANCIAL, LLC has force placed insurance without any reasonable basis. Further, DITECH FINANCIAL, LLC has been provided with proof of insurance and has, over the course of more than 1 year, actively and knowingly refused to acknowledge its misconduct. There are several letters and other correspondence with DITECH FINANCIAL, LLC representatives, including correspondence in which the borrower repeatedly provided written proof of insurance as required under her Deed of Trust assigned to DITECH FINANCNIAL, LLC. The borrower was forced to retain counsel because DITECH FINANCIAL, LLC is systematically ignoring the borrower 's provision of written proof of insurance. This is very worrisome. It appears to be a knowing and intentional violation of Regulation X of the Real Estate Settlement Procedures Act. 

Currently, DITECH FINANCIAL, LLC refuses to withdraw its force placed policy despite having received written proof of insurance as required under the Deed of Trust. Based on the written correspondence which DITECH FINANCIAL, LLC has received, there is no reasonable basis to believe that the borrower has failed to maintain hazard insurance as required under the Deed of Trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Credit determination

Complaint: I was called without warning and my card was suspended immediately despite my account being in good standing. In an era of apps and automatic monthly fees for everything from groceries to car sharing this is completely disruptive and damaging. 
The reason? A 'credit review ' So I followed the request for an IRS form that same day. 
I called that day and receipt was confirmed and the Amex rep reviewed the form and told me everything had been completed according to instructions. 
I called several days later and was told the IRS had accepted my form and that the review should be completed that week. 
The form requested was my XXXX which documents a significant income. 
Despite reassurances we are now 3 weeks without access to the card and there has been no response. 
Various apps and services are now all requiring being shifted to other payment methods

Company response to consumer: Closed with explanation