milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2017 about Debt collection (Credit card debt) with Client Services, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My father died onXX/XX/XXXX When I called to inform XXXX XXXX XXXX, they asked me a variety of questions, including my social security number. Unfortunately, I gave it to them. The next month a statement came with my name added to it. I have contacted them on several occasions to address the issue, but no one is willing to help me. I have asked that they send me individual monthly statements for the yearXX/XX/XXXX so I can see exactly when they added my name. I believe it was inXX/XX/XXXX. I have even asked for the contract my father signed to open the account. Now they are sending me out for collection. The amount they are seeking is {$810.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (I do not know) with Focus Holding Company (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A phone call claiming it was for debt recovery but I have no outstanding debts that are unpaid. My credit is excellent, and my FICO score is XXXX ( or was while I was applying for a home eq loan ). 
I am not a co-signer for anyone else so I want this company to take me off their call list immediately. There is no one that I have any responsibility for regarding debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: AFNI # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debtNothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( XX/XX/XXXX ), 15 U.S.C. XX/XX/XXXX, as amended, or deprives any debtor of the right to assert defenses as provided in section XXXX of the Revised Code and XXXX XXXX XXXX, as amended..The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (I do not know) with NCC Business Services, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I called company to gain knowledge on what account was for and they spoke to me very unprofessionally and with an attitude. Company failed to validate debt within 30 day period. I sent out two verifications letters on XXXX XXXX, 2017 and XXXX XXXX, 2017 both were signed for on XXXX XXXX, 2017. An agent signed for both but failed to date not one but both of my return receipts. I tracked my letters and was able to verify the date of receipt. They never responded to me. I notified all credit reporting agencies about their failure to respond within 30 days of my initial dispute now they are attempting to make contact to verify after I reported to CRAs that they never responded. Upon tracking notice left on door it is from XXXX, Florida. I am not expecting mail from anyone there and this is where they are located. I havent went to pick letter up because post office has closed. I no longer live at address I am homeless because I lost my job no one will rent to me because of false information reported. Renting anywhere is impossible because of them. I occasionally check mail at previous address. They are ruining my Credit and violating my rights. My letters were sent in XXXX, it is now the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: There was fraudulent activity on my account and I spoke to BOA About the situation and the said that it was going to be investigated and that they were going to reviews cameras etc, I said okay.they called me days later telling me not to worry about it now time later I can't open a bank account no where because they reported to XXXX.total amount Bank of America reported was {$7800.00} witch was totally unfair that as a customer with Bank of America to do this to me is wrong.Also I wrote Bank of America letters asking them to take this off my record it's damaging my life as a father of XXXX boys that is a victim of identity theft.ive always paid what I owe and I want to continue services with Bank of America.

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 09-01-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: www.consumerfinance.gov referrral XXXX dcase no XXXX XXXX XXXX, XXXX XXXX IA XXXX The terms of the RESPA are for an automatic termination of PMI once the loan amount owing the Mortgagor ( bank of America, has reached 78 % in XXXX dollars of the orginial purchase price of the home. I dispute BA determiniation to continue PMI payments ( billing of mortgagee ) .The basis for my diispute against BA terms is they are not folloiing good banking standards and procedures by violating RESPA terms that enact atutomatic PMI discontinutioaon with no appraisal needed when my loan reached 78 % remaining to be paid from the original purchase price. I request Consumer protection agency to review the necessity for BA to adhere to RESPA terms and issue me a refumd of overpaid PMI since loan reached 78 % loan to value of orignal pruchase price, no survey required. I further request that BA cease and deisist in its insistence on billing {$15.00} a month or any amount for PMI. I request assistance and i give authorithy to Consurmer financial proctection bureua ( CFPB ) tor recover overpaid PMI and refund to me. I look forward to the final determination from CFPB in this matter.

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 04-11-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (CA).
Issue: Problem with additional add-on products or services

Complaint: I received an e-mail from the Wells Fargo Unauthorized Account settlement regarding the class action lawsuit. I had questions so I called the hotline. When I called and selected 6 to speak w/a customer service representative, the automated male voice stated " thank you for calling, goodbye. '' When I entered my information online, I entered my DOB and social, then proceeded to enter the catcha phrase at the bottom. However, each time I entered it I received a message stating that it was entered incorrectly. However, it was not. 

Between the end of XX/XX/XXXX to XX/XX/XXXX, a line of credit was opened in my name w/o my authorization. It was connected to my checking and saving accounts. I was charged all sorts of fees, including penalties and overdraft. This account was opened in XXXX, California. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, I had a checking and savings account. This was opened in XXXX XXXX. I was charged overdraft fees repeatedly, not once, but twice or three times for one transaction. When I went into the branch to inquire about their policy, they gave me a " stuffed animal horse '' as if that would make up for their abhorrent practices. This went on for some time before I closed my account. I also used the account for recurring payments w/companies like XXXX, and was double charged. I was not sure whether it was XXXX who was double charging me or Wells Fargo, but I haven't encountered this problem with other banks. It was only with Wells Fargo.

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 05/15/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Home foreclosed upon in XX/XX/XXXX Settlement received for improper foreclosure in XX/XX/XXXX Credit report not reflecting improper foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Credit card () with DISCOVER BANK (GA).
Issue: APR or interest rate

Complaint: Attn : CFPB : I am a Discover Card holder and recently tried to pay a substantial amount on my bill. I tried to pay on the high interest rate amounts first, but was told that I could not allocate all the money to those totals and therefore I would continue to pay on these amounts with the high interest rates until I made several more payments due to the interest charges accruing each month from the unpaid balances. I am appalled that this company is trying to make an underhanded profit off the backs of hard working people like myself. I hope to completely pay off this bill by XXXX, but at this rate of Discover Card devious actions it may take longer than that. 
I am a product of the XXXX lay-offs and had to go back to school at XXXX and reinvent my career and become a XXXX. I hoped that this was a career with more opportunities and less chance of downsizing. I borrowed money from the card to pay my tuition and cashed in my XXXX and two years later I have a good job that I love. I am just starting to make a dent in the bills I have accrued. I do n't know if this is illegal on Discover Card 's part but it certainly rings of illicit criminal XXXX type of behavior in my eyes. I did complain to Discover Card 's complaint department and never received the call back that I was promised for a follow-up on my discord. I suppose that after complaining to you the ( CFPB ) that XXXX from Discover, will show up at my door and threaten to XXXX and demand full payment with interest immediately. All that aside I only wish to pay my bills and break this cycle of using credit. I am hoping that the CFPB will look into how Discover Card conducts their business and refine the modus operandi of how they gouge the public that unknowingly gets entangled in these unsavory business abuses of theirs. I realize that somewhere in the fine print of their lawyer 's jargon paperwork it probably mentioned this or ( not ), but I do n't have a law degree and in no way could I or the average person using their card would ever understand what was being said. My only option is bringing this to your attention and hoping for a change. I look forward to hearing from you soon and Thank You in advance for whatever you can do.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: After accepting the Experian offer for a report for XXXX dollar XXXX {$1.00} XXXX, Experian enrolled me in an unwanted monitoring program. I discovered on XXXX/XXXX/2015 that Experian has been charging my credit card for unwanted services monthly {$23.00}. I called the company XXXX on XXXX/XXXX/2015 and was given the phone number XXXX. The representative at the XXXX number said they would cancel my " membership '' but would not cancel the previous monthly charges. In my opinion, the information provided at the Experian website was misleading and their decision was improper to retain the previous XXXX monthly payments totaling {$47.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-03-2015 about Debt collection (Payday loan) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: About a two months ago, I began receiving threatening phone calls from a debt collector service regarding a online payday loan that I never received. The company threatened that I committed check fraud and that there will be someone coming to my job to arrest me. I spoke to an individual who was very nasty and would not give me much information. They told me I better pay the loan and hung up. I called back and was extremely upset about this call. I was finally able to speak to someone to explain that I needed to pull my bank records from XXXX 2011. I went to the bank and pulled the information and called this company back and was told to fax the information in. WelI, I faxed in this information and called again speaking to different people and I was told that I was okay and should not get any more calls. Two days later, they began calling my cell, my father 's telephone number and my home number. I again attempted to call and explained what I was told and I reached the same nasty person STATING THAT I BETTER PAY THE MONEY AND HUNG UP. I proceeded to keep calling to get someone different and never did and then the gentleman stated that he would have them come after me for harassment. I could n't believe the conversation. I faxed the information again and left it alone. Three weeks later I receive a call on my telephone from a woman stating that she has my business address and have been given some paperwork to have me picked up and processed for this outstanding charge that I never had. This time the amount was huge and they stated that I had to pay it in order for me not to be arrested. With my job on the line I paid XXXX dollars allowing these people to have my debit card. However after getting off the phone crying, I began to contact people and told them what happened and they informed me that I was duped out of my money. The dept collectors company from the XXXX call never provided their name and all I have is telephone number XXXX and the payday loan they mentioned was XXXX XXXX. The next debt collector did provide their name XXXX XXXX XXXX located in PA and XXXX as well as the person who called to threaten that I would be picked up, XXXX. I have tried to call this number back and no one will pick up. I was given a name XXXX XXXX and the company that is now stating I owe for a payday loan is now call Midland Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Partially motivated by frustration with the company 's ( Fedloan Servicing ) customer services and also fear that the PSLF would not last 9 years, I decided to consolidate my federal loans with a private company ( XXXX ). Before the consolidation was applied, I made very large payments to my federal loan account. The payments took many weeks to apply and then the consolidation payment was applied to the account. I called several times between the months of XX/XX/XXXX and XX/XX/XXXX to determine when the refund would be processed. Because I made large payments and consolidated, there was an overpayment. I was told it would post in 60 days, then in 90 days. After 90 days, I was told the refund would post " soon. '' Finally, a refund posted to the account of the consolidation loan. The amount was approximately {$10000.00} less than the amount I was owed. I have attached a spreadsheet to document my payments, and also, the amounts in question. I also emailed the company on XX/XX/XXXX and XX/XX/XXXX and the company never responded. Further, the website will not let me access a payment history, so I must use my own bank records.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: My used XXXX XXXX XXXX was purchased with a bumper to bumper warranty from XXXX XXXX XXXX in XX/XX/XXXX or XXXX 2017. The first event was that the car had rear mirror stated on the purchase agreement that was not on it so they installed an after market camera on the car.Now the rear passenger side bumper is flapping loose so I called them when i got no real clearing of the problem took the car to XXXX XXXX XXXX in XXXX California a certified XXXX Dealer.When XXXX the service consultant looked at the car he showed me where the glue had worn off and 2 clams that hold the bumper were broken.He said the car would have to be sent to a body shop but contact the dealer that i bought it from.I called XXXX XXXX and they said bring it up for them to see. I called today and asked would the car be repaired today and they could not guarantee it would be.In fact tmight have to stay overnight.My round trip would be 1 hour up and 1 hour 15 min back ( 2 hours 20-30 min each trip.This did not involve any accident so it was not my fault but the dealers fault.To simplify they could have let a dealer close to my home fix it as the car is under warranty to help with the poor service and loss of time that I have suffered in this transaction. I called Wells Fargo Bank @ XXXX and they were going to call XXXX. My account number 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 09/13/2016 about Mortgage (VA mortgage) with FIRST CALIFORNIA MORTGAGE CO., INC. (CA).
Issue: Settlement process and costs

Complaint: Refinanced our home loan with First California Mortgage and they changed the terms of the loan after closing escrow. They were supposed to include XXXX supplemental property tax payments with the refi. When we were at closing the out of pocket amount to be wired was incorrect at {$1700.00}. Was told by loan officer that it was a mistake the next day and the amount that was needed to close was {$1200.00}. Figured out that the amount we ended up wiring is the amount you get when you subtract the XXXX tax payment. Was never told that the terms of the loan were changed. We did not think anything of it until I checked on line and noticed that the second tax payment was not made. I checked with the Escrow company and they were the ones that told me the loan was for only XXXX tax payment. They changed the borrower statement after we technically closed escrow. Had to scramble to make the second tax payment which caused a financial burden. Desired resolution would be to honor the original agreement and reimburse us for the second tax payment. This should be considered deceptive loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Payday loan () with CHECK INTO CASH INC. (OH).
Issue: Can't contact lender

Complaint: Have several payday loans but am currently unable to pay them. I 'm working with a Payday Debt Solution group and am still getting calls threatening legal action. 

Got a call today from a XXXX XXXX at XXXX advising that legal action would be filed for misappropriation of funds unless I returned the call today. 

I returned the call and immediately XXXX began asking me questions to " verify '' that he was talking with me. I refused to give him any information and he indicates that a lawsuit will be filed. 

I checked the phone number he gave me XXXX and it 's registered to XXXX XXXX XXXX of XXXX, Texas. 

I believe this is a scam and this individual ( he did not give me the name of his company when he left a message -- only that it was the legal department ) .is a scam artist. 

I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Credit card debt) with United Recovery Solutions (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX Collector Company United Recovery. Called me numerous times at work. The following times that the company called me at work are as follows. XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many more times. I can not receive during my work hours. The debt collector continued to stay on the phone and would not get off the phone. My job here at work is to answer calls from patients, doctors, nurses. This phone call from the debt collector ties up the phone so I can not do my job.

Company response to consumer: Untimely response
Consumer complaint received 03/16/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted a dispute with Equifax on XX/XX/XXXX via the website with an estimated completion date of XX/XX/XXXX. I continued to monitor the request through out the month but there was no resolution posted within the 30 days they have to investigate. I sent a letter ( attached ) with a screen shot showing there were no results after the 30 days and advising them that by law they have to remove what I disputed. They received my letter advising them of FCRA guidelines and they opened a reinvestigation which was not what was requested. They then posted the completion date of XX/XX/XXXX but did not make this available until 45 days after the request. They back dated the completion date because they saw that no results were posted. This was pending up until they received the letter which was well after the 30 days. This needs to be investigated because I know that those things should be removed due to their lack of response. 

The screen shot of the progress was taken the day I mailed the letter ( XX/XX/2017 ) and they uploaded that information on XX/XX/XXXX. Equifax went and back dated to make it look like they had completed my results by XX/XX/XXXX which is absolutely false.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received letter dated XX/XX/XXXX    from collection agency. In letter, it stated I had 30 days to dispute the validity of this debt or any portion thereof. I sent a letter to this company certified disputing the validity of this debt and requesting that this agency validate this debt belonging to me. This debt continues to be resold to various collection agencies and each time, each company continues to fail to validate debt and have had to remove it from my credit report. This debt does not belong to me.

Company response to consumer: Closed with explanation