milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/25/2017 about Debt collection (I do not know) with Progressive Financial Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Over the last  2-3 years  have had numerous collections accounts appear in my name and social security number on all  XXXX  credit reports fro m 2 differe nt collection agencies,   XXXX   XXXX   and as of lat e, Progressive Financial Services ou t of  XXXX  AZ, representing  XXXX   XXXX  in   XXXX   XXXX   XXXX  OK for I assume, cable services and equipment. I 've never lived in, been to or know anyone in Oklahoma. The same thing has happened to my mom and father. I literally just had an account with   XXXX   XXXX   removed from all  XXXX  of my credit files within the last month. I just checked my credit today and  XXXX  is showing this new account with  Progressive Financial Services. I  assume  XXXX  and  XXXX  will end up reporting this account as well. The reason I 'm filing my complaint through CFPB is because I am emotionally exhausted from having to deal with the collection agencies,  XXXX   XXXX  and all  XXXX  bureaus. I 've already warned the original creditor to remove any current or past due accounts in my name and social security number from their systems or I will take legal action. All together, since  XXXX , there has been 8 collection accounts reported to all  XXXX  credit bureaus under my name and social security number and all of them have been accounts with the original creditor  XXXX   XXXX    XXXX    XXXX  OK. I live in  XXXX  and have for my entire life except for 13 months from  XXXX   XXXX  through  XXXX   XXXX   XXXX  when our family moved to   XXXX   XXXX   to care for my terminally ill grandfather. We moved back to  XXXX  in  Mid   XXXX   XXXX  and have lived here in   XXXX   since. Until this morning, my credit scores were just south of  XXXX . Now my scores have taken a large hit because of these collections accounts. Please do something to stop this from happening again and again.

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 01/24/2018 about Credit card or prepaid card (Store credit card) with FIRST NATIONAL BANK OF OMAHA (OK).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX XXXX card reported stolen end XXXX, beginning of XXXX. I continued to be billed for purchases and interest. Notifed 3x in XXXX, employee stated he was the one who handled original call and would be mailing out a fraud form that must be completed. I never received form. I called two weeks later and spoke with XXXX, who stated the problem had been fixed and the form with be received in 10 days, I then spoke with XXXX again on XX/XX/XXXX and his supervisor XXXX who promised the issue would be RESOLVED. Nothing has been mailed nor resolved, and I continue to be charged interest since XXXX. 

Card issuer has been contacted at least 5x since XX/XX/XXXX in an attempt to resolve this issue. 

I have also reached out to XXXX corporate headquarters with no response. 

I greatly appreciate your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX issuer XXXX First National Bank of 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 10-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had XXXX for my television serivice and the payment was suppose to have been taken off my credit card. I also had XXXX for internet service. XXXX turned my tv off 5 different times over non payment. I told them it was suppose to be taken off my credit card. They told me to contact XXXX which I did. XXXX told me to contact XXXX. It was back and forth and for some reason they could not resolve the issue of turning my tv off. After the 5th time I told them to take the XXXX thing out and got XXXX and have never had any problems. I explained to the collection agency and also contacted direct tv and have not had a response from either.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a follow up to our complaint # XXXX. We contacted Wells Fargo and have now reached a dead end. Wells Fargo has given us an ultimatum of either we sign false documents or lose our home. Recently we spoke to a representative from Wells Fargo who was belligerent and heaped lies after lies. We requested not having to deal with her again. Our request was granted but today speaking to someone by the last name of XXXX he reversed what we requested. If we do not sign the documents that contain false information the Bank will return the funds the Federal Government helped us with through XXXX and then will foreclose on us. This is nothing short of blackmail. Either we sign false documents or lose our home. There was a representative we had spoken to who was belligerent and heaping more lies upon lies. On the person we requested not to have to deal with whose name is XXXX. XXXX XXXX has assured us that he will report to all the agencies we have complained to, that we have refused to communicate with Wells Fargo. I am reporting that this is a lie, it is only XXXX person at Wells Fargo we do not want to deal with. Beware of this lie that Wells Fargo is planning to tell you. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Other

Complaint: Made a payment of XXXX on XXXX to Bank of America, then immediately deleted it and processed a payment for XXXX. The system took the deletion and only showed XXXX payment for XXXX. I checked my account and both payments went through, I called spoke to agent XXXX oper ID XXXX and manager XXXX XXXX ID XXXX on XXXX, explained what had happened. They refused to refund me my XXXX as they stated it would put me over my limit. I informed them why did n't they just decline the charge that was accidently put on by my son while on his honeymoon. He give them the Bk of America card but meant to use a different card. They approved the charge, but wont give me my money back for the payment of XXXX that was supposed to be deleted by their system.I told them I do not have the funds in my checking acct and need it for my husbands upcoming XXXX as he has XXXX. His XXXX is scheduled for XXXX and I can send documentation. I need my XXXX back and it was their system fault not mine that it did not delete the payment, but instead processed both the XXXX & XXXX. Like I said their system indicated that it was canceled. This happened to me last month when I made a on line payment of XXXX & received a confirmation # .I followed up on that payment & called when I saw that it did not post. The agent advised that they had system issues that day & I would need to resubmit my payment. I told her I had a confirmation # but she said that does n't help. So I made another payment for XXXX as I did not want my account to reflect that I did not make my payment. Lo & behold both payments were processed. I called again to no avail ... So that 's twice their payment system has messed up and hurt me financially.. Please help me get my money back, I 'm desperate and broke & will start getting return payments in my checking account. 
Thank you!

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 11-06-2016 about Debt collection (Credit card) with Timothy C. Runyan, P.C. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The plaintiff said that my wife 's part of this debt was discharged but my part of this debt was not, i, had no part of this debt, he cleverly took upon him self to give me a part of this debt, and will not prove it., neither no contract, i had nothing to do with this debt, somewhere I keep reading that he has a duty to show me how when and where I accepted or own this debt.i have to fight this because it 's my right. Even this false judgement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (PA).
Issue: Account opening, closing, or management

Complaint: I requested my checking and saving at chase bank to be closed. They closed the savings but did not close the checking. I had XXXX cents left in the checking account. 
An automated payment that had not update via XXXX of {$12.00} went to the checking account after I requested it closed. It should have been rejected, but I was charged {$34.00} " INSUFFICIENT FUNDS FEE FOR A {$12.00} ITEM '', again on an account that should have been closed. I took the hit and wired the {$46.00} total from my new account at XXXX XXXX to XXXX out the chase checking account. Between the time it took to get there and the time chase left the deposit " pending '', chase charged an " EXTENDED OVERDRAFT FEE '' of {$15.00}. I immediately wired {$15.00}. I wanted this account XXXX and close ASAP. 
As soon as they clear that transfer they charge " SERVICE FEE '' of XXXX. Total fees totaling XXXX, in less than two weeks on an account that was supposed to be closed. I need this to stop. I am on a fixed income and can not afford to be leeched by an unscrupulous company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2017 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: We went to BB & T bank to get a pre-qualification letter for a XXXX home or investment property. we wanted to use them because we already have XXXX loans with them and have been customers of theirs for years. We gave the mortgage professional there all information she asked for and we were pre-approved. we took our letter and stated looking. We soon found a rental property ( duplex ) and made an offer well in our budget. the offer was accepted and we called XXXX to get everything going on this property. We had to get them a few more documents but all was going well. She said she even wanted to do a fast close since everything was in order which was fine for us, the duplex already had tenants in place, so it was all ready to go. We were putting money in our pocket after making our mortgage payment, a win win situation. Well a week before closing, which was scheduled for XX/XX/XXXX, we started this a few days before XX/XX/XXXX, BB & T called, and said we could not get the house. they determined that they were going to need XX/XX/XXXX tax returns!!! That will take months!! They did n't think of this before we started this whole process?? We had already paid for inspection and radon tests {$440.00}, appraisal fee {$530.00}, and who knows what could come from the title company because they were done with their work as well. Our realtor was boggled to say the least as well as us, we were very irritated with BB & T foe letting us get this far!! Now the Mortgage professional says we can not get any of that Money back. All she said was sorry. She also did n't even know it was a rental ( duplex until I told her a few weeks into all this. She had all the info on the property from our realtor. What was she doing!! Please help.

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 01-01-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: They are reporting that i missed a payment on my student loan and i have never been late, and also reporting that it is a collection/ closed account and that is not correct. It also is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: This is an ongoing problem for which I have complained many times to the company, to no avail. I use a XXXX service ( virtual private network ) to surf the internet, especially for financial translations, like credit cards or online banking. I do not connect to the internet via wi-fi. For all my other online credit card access ( at least 7 other credit cards ), I am able to log into and check my accounts with no problems. I only have a login problem with Citibank. I get a " temporarily down '' error message. The customer service reps say that 's a generic message. On XXXX/XXXX/XXXX, I sent their technical team an email with a screen shot of the error message which also shows that their site is considered a " trusted site '' by my ad blocking software, but they have not responded. I simply do n't understand why I have no problems logging into other credit card accounts using a XXXX, but not Citibank.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Experian, once again, makes it impossible to deal with them online, and insists that every service they do n't find sufficiently lucrative be conducted by snail mail. Their excuse is specious : they ask 4 questions to " confirm my identity '', two of which I can only answer " none of the above ''. They are typically about bank or merchant accounts. They offer 4 names each of banks or merchants that I am supposed to have an account with. I never have heard of any of these merchants or banks. I know from experience that this is not due to somebody using my name to open credit accounts I know nothing about : it is due to Experian either disguising or entirely making up the names of the banks/merchants so they do n't have to do business with me online. This happens usually when I order my annual credit report online. It has now happenend for my request of a security freeze after the XXXX hack. I tried using their application to upload documents, tried to upload my drivers license, to prove my identity. It does n't work, gives me an error message that only pdf 's are accepted, when I was trying to upload a pdf.

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 08/21/2017 about Debt collection (Medical debt) with Nationwide Credit Corporation (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The Name of this company : XXXX XXXX, is in and/or XXXX, XXXX, VA. The onething that I am complaining about is the fact that they tape phone calls. Does n't it say under federal quidelines, that if you tell to stop taping your phone call they have to stop it. This was in the front of my phone book. If I do n't want the call taped, they have to honor that request. Well this company, flat out and I mean, flat out and will not obey this rule. Their excuse is this. Well we have to see how our people are doing. Tough is my comment. The federal law is above your company and you ca n't do against that. Over several yrs back, I contacted them, about things on my credit report. They were doing the same mess. What I did was get an address and an amount and them send them a certified letter to the CEO of the company in the mail. That way they got their money and the bill etc was paid. But I do n't like this, when as " myself '' as an consumer, I ca n't get a collection company to obey the law. The bill is paid now. I went back to the original company and told them what was going on, and I paid it, at my appointment. Apparently they are very familiar with this company and the illegal games they play, but basically do n't much care. Sir, pls do something about this company. I hope that I never have to contact such a rude and law breaking company such as XXXX XXXX again. Next time, I speak with the CEO, and that 's it, and ask him/her, why his/her company is disobeying the law. Pls do something. So this do n't happen to anyone else. This is not right, legal etc. Thank you XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (SC).
Issue: Managing the loan or lease

Complaint: When we bought the truck we was told we would end up only paying {$15000.00}! After paying on this truck for almost XXXX yrs they are telling us we still owe over {$13000.00}. How are we paying almost XXXX for this truck then what we was told. Yes we have made a few payments late but also your customer service line where you press XXXX it tells us that were not due until XXXX XXXX but yet your CSR told me it 's XXXX days past due so which on is it??? We are basically getting screwed on this truck. We cant even trade this truck in cause American Credit is XXXX wanting WAY more then what the truck is even worth. No one is giving me a straight up answer. They laugh on the phone and they are smart. I want to know why we are being XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Payoff process

Complaint: My wife has a Capital One Platinum card. {$5000.00} credit. She quit using the card in XXXX, after she retired. The last time she used was for a dental appointment which almost maxed it out. Since late XXXX we have been paying on it monthly with out fail between {$120.00} to as much as {$200.00}. All of this time the principal was creeping up by a few cents. As of XXXX XXXX XXXX we have paid {$12000.00} on the bill and the balance had come up to less then {$500.00}. I finally realized that that did not look right and contacted Capital One and was given the story about interest verses balance. But when I pointed out that we were not using the card they said it made no difference and ended it there, but the balance did jump from under {$500.00} to {$890.00}, still far less then the almost {$13000.00} we paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint becasue TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not vefify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possiable. Thank you

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 02/20/2016 about Bank account or service (Checking account) with BANCO SANTANDER PUERTO RICO (PR).
Issue: Account opening, closing, or management

Complaint: I have been charge {$0.00} during a period of five months for a service I did n't activate or even require and which was activated with my consent, even after calling to deactivate the service the service has been charge twice after the first call to deactivate it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I used XXXX to see my credit report and I noticed there 's a couple of things that are on collection that I never applied for. I believe someone else using my informationinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I have been a Chase Bank customer since XXXX, in XXXX XXXX I was selling an item on XXXX and the buyer paid me with a certified check the check was written for more than what I was selling the item for, I questioned the buyer he told me the excess funds were for the shippers in order to send the item to him. I deposited the check in my account but something seemed strange as he kept messaging me to wire money to the address he provided. I immediately contacted Chase Bank 's fraud department on XXXX XXXX and told them of my concern regarding the check and the way the buyer was acting. The person at the fraud department told me I was the second person this week who was scammed by XXXX and they put a hold on the check I received a letter in the mail verifying this the phone call was also recorded and I also sent an email to XXXXXXXXXXXX as instructed by the Chase rep in the fraud department. On XXXX XXXX Chase released the funds into my account even though I warned them of the potentially fraud that this check posed. I then went to use my card on XXXX XXXX my card was declined I called Chase to ask what the issue was they told me my account was scheduled for closure but would n't tell me why. I then went into Chase to talk to a account specialist she proceeded to call Chase and they told her my account was restricted and under investigation for fraud as a result of the check that Chase put through that I told them I felt was fraudulent. My account was then scheduled for closure all my checks written ahead of that time were returned and debits as well causing me to incur fees with those parties as well as damage my reputation further, my scheduled deposits were frozen as well causing me to miss my mortgage payment as well. Chase then sent me a letter regarding the account closure and also threatened that they would report this have it put on my credit report and inform other banks so I ca n't open an account anywhere. I was a victim of fraud and alerted Chase to this they took it upon themselves to process this check into my account even after the fact how am I liable? Besides the threating letter the lack of communication at Chase bank is appalling, as there customer service and fraud department gave me a different excuse every time. I understand that the bank reserves the right as to how to handle accounts my only issue is that I do n't want this to affect my credit, reputation, or ability to open a bank account as I exercised integrity and was forthright in this whole process.

Company response to consumer: Closed with explanation