milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2018 about Debt collection (Other debt) with Credence Resource Management, LLC (AR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I spoke on the phone on multiple occasions with XXXX XXXX XXXX/XXXX account representatives regarding the final bill I received in the amount of {$420.00}. 

Here is what transpired that led to the billing issue : 1 ) I called on Friday XX/XX/XXXX to cancel my XXXX  service at the end of my 2 year contract period which would be XX/XX/XXXX. When asked why, I said it was too expensive and we did not watch very much. The agent on the phone offered to greatly reduce the price and add XXXX XXXX. I said my family does not watch XXXX but might be interested in XXXX. After further discussion I agreed to accept continued service at a significantly reduced monthly cost plus the addition of XXXX coverage. At no time in this call was I informed I would be entering into an additional contract period. Nor was I informed that I would be losing XXXX coverage. 
2 ) That weekend, I discovered that I had lost XXXX coverage. On the next business day ( i.e. Monday XX/XX/XXXX ) I called back and said that the changes were not what I had expected and I wanted to go back to what I had originally intended which was to cancel my service at the end of my two year contract period XX/XX/XXXX. The agent tried to talk me out of it but I felt like I had been misled and did want further dealings so I was firm and said cancel at the end of my two year original contract. 
3 ) On Monday XX/XX/XXXX, I received an email from XXXX XXXX XXXX that was an order confirmation for the service I had agreed to the prior Friday. Their position appears to rest on that email informing me of my contract being extended. But their position is ludicrous since I canceled the order the same day i.e. the very next business day after I learned XXXX had been deleted. 

They have sent the bill to a collection agency who is contacting me repeatedly. I have let the collection agency know what transpired but they just sent back a response simply saying they contacted the creditor who maintains that I owe the money. They did not conduct any independent review of the validity of the amount being collected. 

This is false billing and I will not pay the early cancellation fee. I am concerned, however, that they will file a report with the credit agencies and damage my credit. Your assistance in the matter would be greatly appreciated as they clearly have no concern with maintaining fair and reasonable billing practices. 

I have also contacted the FCC regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (FHA mortgage) with Consumer Real Estate Finance Co. (PA).
Issue: Settlement process and costs

Complaint: When I had initially shopped for a mortgage, I was approved for {$100000.00}. My wife and I found a house. We negotiated a price with XXXX % sellers assist. The mortgage company told me over and over again my closing costs would be {$3800.00}. I put down {$1000.00} as my earnest deposit, which was supposed to leave a balance of {$2800.00}. Working with the title company I did not have a cost until the day of closing, I had received several different amounts. The day of closing we were given a fee. I went to the bank, got a check for the amount went to closing and was told it was wrong. I sat there and waited 3 hours for them to correct the numbers, they could not. In the end the bank had went home and we couldnt do anything. Then Monday they requested all of the funds for the mortgage to be returned to them and we had to wait an additional week to close, which again they had incorrect numbers. We also had to pay an additional {$110.00} in taxes and interest for waiting the additional time to close. In the end my closing costs ended up being {$5800.00} plus the {$1000.00} earnest deposit. The company claimed they were n't aware of certain fees that came up and that there was nothing they could do about the costs. Even though the title company has proof they sent them the fees to be included into the closing disclosure they chose to ignore those fees.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: The calls from the company that is saying their name is XXXX XXXX started on Monday XX/XX/XXXX, they were calling my number and my fiance 's number with a message to serve.This morning my fiance received a call from an unknown number stating her name was XXXX XXXX. My fiance asked me for the last of my SS and from there XXXX XXXX stated she was going to have XXXX ( my fiance ) arrested for not giving out my phone number. She also told XXXX what the debt was and when it was from XX/XX/XXXX. I then told XXXX give them my phone number and asked them for the company name and address, XXXX was then hung up on. After that call I called XXXX and spoke with a representative stating this is my Debt from XXXX {$1500.00} court cost and {$510.00} cost to Advance America. I first asked for a validation of the debt, which she said she can not provide.I mentioned this debt is way passed the statue of limitations and said it was not.While I was on the phone with her my fiance got another call from the same company in which then she handed me the phone. I told her she can not threaten to have anyone arrested or sued over the phone as it is against the FDCPA. The representative stated if they are impeding on the investigation they can have them arrested This is a HUGE FDCPA case in which this company need to be closed for their improper business practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Consumer Loan (Installment loan) with Ditech Financial LLC (FL).
Issue: Managing the loan or lease

Complaint: This company has been very aggressive and have threatened to take legal action with lawyers including garnishing my wages, they gave me recently a deferment that I did not request, I called them last week to scheduled XXXX month over the phone and they wanted to charge me a fee to take my pay over the phone, I said that I will mail it them because I do n't want to pay more fees, they got mad at me and start threatening me again because they have already given me a deferment and I had to pay over the phone, I already put the check in the mail but my phone wo n't stop ringing. They can sometimes more than XXXX times during the day. This has happened many times, and even though we have been late with some of the payments, it 's my intention to pay, I have never denied payment, these people are very aggressive and rude and they and they have to stop

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account is not mine that is on my report, just showed up this month XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Opened:XX/XX/XXXXResponsibility : Authorized AccountAccount Type : Revolving Account Loan Type : CREDIT CARD Date Updated:XX/XX/XXXXPayment Received : $ XXXX Payment Made:XX/XX/XXXX Pay Status : Current ; Paid or Paying as AgreedTerms : {$20.00} per month, paid Monthly High Balance : High balance of {$970.00} from XX/XX/XXXX to XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (CA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: On XXXX XXXX XXXX 2017 I went to chase to open a chase liquid account whitout know that the banker that was helping me applied for a credit card for me without my consent i just received a letter stating that my credit card application was not approved and i was confused because i have never applied for a credit card that s not what i went for.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Debt collection (I do not know) with Tri-State Adjustments, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Tri-State Adjustment Inc. a collection agency located in Wisconsin is reporting a debt to the collection bureaus that is not mine. I have written them requesting them to validate this alleged debt to be mine and to remove this item that is being reported to both XXXX and XXXX credit reporting agencies. They only respond with continued threatening and harassment notices.

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 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Afni, continues to write me about a debt that I have no knowledge of. They also have not sent me any validation of this debt as follows : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 
2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 
3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 

In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports you 've furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX and XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with GENERAL MOTORS FINANCIAL COMPANY, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized inquiry and/or unknown company

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX I received a letter from Wakefield and Associates stating I owed {$1200.00} from an ambulance ride to XXXX Hospital that occured earlier XX/XX/XXXX. I contacted the collection agency and disputed with them that this was not my debt. The name on the letter, the date of birth and address were NOT MINE. I have never been transported to a hospital by ambulance. I called the collection agency back twice, never received a call back and on my third attempt finally got a hold of a man and explained they contacted the wrong person. The man said he would like into it further. As of XX/XX/XXXX I now show it in collections on MY credit report.

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 04-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at XXXX, Experian, and XXXX. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2016 XXXX unauthorized transactions were posted to my Wells Fargo checking account in the amount of {$450.00}. XXXX was a credit and the XXXX a debit transaction. The next day, XXXX those transactions vanished from my checking account history. In an effort to find out why the transactions occurred in the first place and why they later disappeared, I contacted my bank by phone initially and later went to my local branch in XXXX, GA. To my surprise, I did n't get any answers from the XXXX employees I spoke with on the phone or the XXXX employees at the local branch. They all appeared to be dumbfounded after researching my inquiry and finding no record of those transactions anywhere in the bank 's records or my account. That is until I provided my account activity records that I printed the day this happen. It was at this point the branch manager stated, " An employee must have made a mistake and reversed the transaction which removed it from my account records. '' If that is the case, where is the audit trail/source records on the bank side? The manager could not provide an explanation to this question. On the same day similar transactions posted to my mom 's savings account and the next day they vanished. Unfortunate, I ca n't prove it, because I did n't print her account activities. This is scary, an employee has the ability to delete/reverse transactions from a customers ' account and the banks own history. This puts me and every other customers ' account at risk of all sorts of misdeeds. Nobody 's account is safe! I have serious concerns of this bank 's internal and ethnical practices. Attached is page 1 of my checking account activity records that I printed which reflects the {$450.00} transactions. Also, the account activity of my checking account provided by my branch.

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 02-02-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AP).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX Military person ( Family ) who 's tried to have a loan modification and/or a short sale through both of my mortgage companies OCWEN and XXXX XXXX over the last few years now!!! We have suffered nothing but heartache, stress, hardship and financial burden with over a year and a half of trying to get approval for a short sale on my residence and losing Two potential buyers, I have provided everything that has been asked for and all paperwork each time!!! Many times the same paperwork again and again!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Payday loan, title loan, or personal loan (Title loan) with OLD REPUBLIC TITLE HOLDING COMPANY, INC (CA).
Issue: Can't contact lender or servicer

Complaint: XXXX XXXX, you have 24 hours to reply to this NOTICE! 

There has been great fraud with XXXX not able to do business in California from XX/XX/XXXX to XX/XX/XXXX and the DOT was in XX/XX/XXXX which made it void and was not a deed of trust it was Void from the start, and Forgery of my name on the 1-4 rider and won by default in court by way of no Jurisdiction case dismissed. Everyone including XXXX XXXX XXXX XXXX of yours has been involved trying to foreclose on a non existent DOT. 
I am of need for this TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. 
There are many arrest WARRANTS issued of 42 Individuals so far with a bill by notice of default sent to 5 different Agency 's Including : Donald Trump, DOJ, GAO, U.S. MARSHALL, SHERIFF DEPT., and now Donald Trump is reorganizing this site as well with the CEO stepping down. see notes to all of the 3 Companies that are doing the fraud, and have no problem issuing more WARRANT AND DEFAULTED BILL TO ANYONE WHOM IS INVOLVED AS A 3RD PARTY COMMITTING FRAUD AND KNOWINGLY OF THE FORGERY. 

notice to and other Agency CEOS ... XXXX XXXX XXXX CEO or Vice President of XXXX XXXX You have 24 hours of this Notice to reply from today 's date as you have not responded in the time allowed previously, please see attachments. XXXX XXXX XXXX NON DISCLOSURE!!! ALL RIGHTS RESERVED ( XXXX : see link above. ) XXXX XXXX as acting as TRUSTEE AND XXXX XXXX XXXX XXXX. AS WELL AND SERVICING AGENCY AS SERVICER is in collusion all together to try and pillage the lands and properties of XXXX, XXXX and many others across the lands, This is in Collusion with ... ... ... ..No Abandonment claim nor right to Service, XXXX XXXX XXXX XXXX  XXXX can not service loans or use the word servicer under a IRS Bulletin 544 Installment sale and XXXX XXXX Material Violation Select Pretend Services Transfers and servicing of financial assets - XX/XX/XXXX - Sale of mortgage servicing rights with a subservicing ... Regulation AB mortgages , installment loans, minimum lease payments under sales-type and Nonrecognition of transferred financial assets Read ASC 860 and SFAS 140-3 Non nonrecognition rules -What Mortgage, Its gone for bond then no more mortgage Violates 1122 AB under the SEC ... DIVEST YOUR SELVES YOUR BOTH ON NOTICE AGENT TO PRINCIPLE, PRINCIPLE TO AGENT Also the UNITED STATES TREASURY HAS MY ENDORSEMENT PAY TO THE ORDER OF AND XXXX XXXX XXXX FOR DEPOSIT PAY TO THE ORDER OF ENDORSEMENT ( V.C. ) AS OF 2 WEEKS AGO APPROX AND DELIVERED. ONE MORE SHALL GET IT ... THANK YOU FOR YOUR BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been notified from XXXX that my information was compromised and I am requesting that 5 credit inquiries be deleted from my credit report.

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 08-05-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a public record due to common law. This debt was created without knowledge, but was paid in full to clear my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX XXXX on XXXX/XXXX/XXXX ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Mortgage (FHA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (IL).
Issue: Trouble during payment process

Complaint: Hello, Once again XXXX XXXX has made a crucial error in handling my escrow funds, this is the second error they 've in the this year. I already had to file complaint XXXX when they misappropriated my escrow funds, and paid the taxes on my entire building ( vs just my unit XXXX even after I proactively went to them. They have the made same error again. 
I live in a new construction condo building, and up until recently the PIN was n't assigned. I know have PIN XXXX assigned to me by the XXXX XXXX XXXX XXXX XXXX IL ), with no tax payment due until XXXX XXXX. I have been paying {$440.00} a month into escrow specifically for taxes, with an estimated annual tax bill of {$5300.00}. XXXX XXXX just sent me an annual escrow account disclosure stating that the county tax is {$23000.00} and annual disbursement is {$26000.00}. They have now doubled my monthly payment telling me this money is owed. This figure is wildly inaccurate as I do n't have a tax balance due nor an established annual payment from the county yet, I can only assume they 're once again basing this payment on the common lot that the property was built on ( XXXX is for the entire Development and not just for my individual Unit )

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