milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2016 about Credit card () with JPMORGAN CHASE & CO. (IA).
Issue: Forbearance / Workout plans

Complaint: I ( XXXX ) was seriously injured in an accident on XX/XX/2016. I 'm still recuperating from the resulting below-the-knee amputation and other injuries and have been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX ( XXXX ), a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " XXXX '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when XXXX called directly to try to negotiate, Chase refused to speak to her, and instead referred her to XXXX of their XXXX Counseling XXXX. Although the initial recording said we would hear a list of agencies serving our area code, our call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX Solutions. '' XXXX stated that she was in XXXX and did not have offices in Iowa. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where In XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Despite receiving XXXX separate credit reporting and validation requests this collection company has failed to respond with ANY evidence that this alleged debt is mine. 

After finding this account on my credit report, I have sent several letters via certified mail warning this company to verify the debt and if unable to delete this information from my reports asap. They have failed to respond and have failed to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit card () with DISCOVER BANK (NY).
Issue: Unsolicited issuance of credit card

Complaint: DISCOVER FIN SVCS LLC ACCOUNT # XXXX IS NOT MINE, but XXXX refuses to remove from my account. This is my last attempt as to getting this removed, the next step will need to be the FTC then the courts. They are under XXXX XXXX that is not me or under XXXX XXXX XXXX that is not me, or under birthday of XX/XX/XXXX, THAT IS NOT MINE EITHER. 
PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Dear Sir : The debt collector is fraudulently attempting to collect debts ( which have been cleared in bankruptcy in XXXX 2013 ) by bundling old debt with a new debt collection request. 

My insurance company ( XXXX ) is supposed to pay the charges indicated for certain services in the amount of {$100.00}, {$40.00}, {$120.00}, {$120.00} as the deductible has been met. Although these debts may finally be mine to pay once the issue with XXXX is worked out, the American Medical Collection Agency ( AMCA ) has included another old debt I believe of {$1700.00} which has no relation to the client ( XXXX ) that they are collecting a claim for and is demanding that I pay it as part of this settlement. AMCA provides no detail about this dent other than " Other Accounts '' and threatens me with a letter with this wording " YOU ARE HEREBY NOTIFIED BY LAW THAT A NEGATIVE CREDIT REPORT REFLECTING ON YOUR CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS ''. 

This is a highly insidious way of attempting to collect a debt which has been wiped out in bankruptcy by including it with more recent debt that is still under negotiation with my insurance company. 

I request your help in stopping such insidious efforts by this debt collector and a notice to them not to touch my credit report in any manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: I was involved on an online dating site scam, which I deposited {$33000.00}. into XXXX accts thru Wells Fargo.The accts were XXXX XXXX XXXX XXXX. Acct. # XXXX Routing # XXXX -XXXX and XXXX XXXX XXXX, Acct. # XXXX Routing # XXXX XXXX. 
XXXX XXXX XXXX ( was the person, fictious person ) Through the police dept ( which is still working on the case ) told me that those XXXX accts were involved with money laundering, exporting cars to XXXX. These types of people need to be arrested and Charged and to pay monies back. I can almost guarantee that I am not the only person this has happened by these people. It is very sad that rings of this nature get by, with stealing monies from innocent people, as myself, who has worked all my life, to get where I am at, and to get scammed by dirt bag people. 
On XX/XX/XXXX16, I went to WF and told them, that I got scammed, and they told me they were able to locate accts and monies were in accts put a HOLD on that MONEY. I was dealing with XXXX XXXX, ( branch manager ) at WF at XXXX XXXX XXXX, XXXX, XXXX XXXX. She told me at that point that they were going to get ALL my MONIES back. 
After dealing with her for a couple of wks and sending police report to corp. it didnt look good, but they were trying to get SOME money back. Why Why, would a branch manager tell me, they were going to get the money, when they had no intentions of doing so. Through many oganizations that I have contacted, I have asked, for information, of what protocol they followed and step by step of what they did to get my monies back, never received anything, except, I should follow up with authories. On XX/XX/XXXX16, XXXX administrative assistant called me to inform me that XXXX was to call next day to give me more info, never heard from her. I called XXXX twice to say I was very dissappointed because I never received a call, nor did I hear back from XXXX .... Makes you really wondering, what kind of operation they are running. 
Which now leads me to believe that I through WF became a viticm of their scams, that they used on their customers, of stealing personal info, and making false credit cards and stealing millions of $ $ XXXX They have not proved anything to me. 
Which now after hearing about the crimes they have committed, stealing from their customers and making fake credit cards, I have reason to believe that they took my MONIES, that they soooo promised me, and used it for this purpose. They should be shut down as a company, but all they could do, was to say sorry, and pay a fine. REALLY????? 
I feel I became a viticm of WF fraudulant actions and improper practices. It was easy foe them to do ... ..

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 02-06-2016 about Debt collection (Credit card) with Financial Business and Consumer Solutions. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Received multiple missed phone calls from Debt Collector, they did not leave voicemails. 

I called the phone number back today to find out who has been calling me. I was told that they were a debt collector looking to collect a debt. They gave me the information that asked for, their phone number and address : XXXX XXXX, PA XXXX. 

I told them that I had not received a letter in the mail informing me that they are collecting a debt, which I have not received, and that they should not call me until I receive that letter. I also confirmed my phone number with them and told them that they can only contact me at that phone number, no others. 

I expect the letter within five days of this, our initial communication, as I have not been fully informed about the debt. I did request some information and was provided with the following : amount owed, date account open and date account went delinquent, last payment amount, original creditor and type of account. I understand that there is more information due to me regarding my actions and rights that were not obtained in this phone call. 

I also asked for the name of the debt collector and was told it was XXXX XXXX, but when I searched the number ( XXXX ) XXXX online, I found the following information : FBCS Consumer Contact Solutions Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX https : //www.fbcs-inc.com/contact/ This may have been an understandable communication error or they may be calling on behalf of the debt collector XXXX XXXX, but I am not entirely clear. 

Here is the information regarding the missed calls and no voicemails from the debt collector : Call from XXXX on XXXX XXXX, 2016 at XXXX. 

Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. 

Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. 

As of now, my complaint is regarding the phone calls. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Central Service Bureau, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: An outside party is contacting all of my family, my employer, and my workplace multiple times a day, despite being asked not to contact me at work or my employer they contacted my office 4 times this morning, and then called employee relations. Threatening to come serve me papers, I work at a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I was enrolled in monthly payments of {$23.00} on m y Barclay credit card. I paid off my credit card ( a total of {$1400.00} ). My account was c losed. On  XXXX   XXXX , {$23.00} was withdrawn from my bank account by Barclay. I called customer service requesting my money back and to stop automatic payments since the card was closed and paid o ff ( Statement balance of {$0.00} ). They assured me that I would no longer be charg ed and sent a check in the mail with my {$23.00} back which I received a couple weeks later. On  XXXX   XXXX , {$23.00} was taken out of my account, that i was unaware of. On  XXXX   XXXX , another {$23.00} was withdrawn by Barclay card. On  XXXX   XXXX , I received a statement in the mail notifying me of payment for  XXXX . Neither  XXXX  nor  XXXX   XXXX   XXXX   payment was authorized by me. I had to spend an extra {$30.00} through my bank to get a stop payment request, which over drafted my account, just so Barclay card will not be able to withdraw more money, however that only lasts for six months.

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 12/20/2016 about Debt collection (Medical) with Capital Accounts, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Company was not given authorization to share sensitive medical information to a 3rd party or outsider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an account with XXXX rental out was paid off but still coming up as a negative on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Affiliated Group, Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company has failed to send a written notice of the debt. They have contacted me several times and I have made them aware that I have n't received said letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: My bank cards was stolen I went to the bank and told them they look in my account and said that everything is crear no withdrawal or deposits was made. Later that evening the bank said I deposits fraudulent check all day in my account and deleted me as a consumer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Debt collection (Other debt) with Account Recovery Service, Inc. (WI) (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX SOLD MY FRAUDULENT ACCOUNT TO ACCOUNT RECOVERY SERVICE AND WENT ON MY CREDIT WITHOUT VALIDATION, CALLED MY HUSBAND CELL 11 TIMES AND HAVE XXXX HARD INQUIRIES ON MY XXXX  CREDIT TREPORT. 

LASTLY, PAID XXXX XXXX I ERROR ANDREFUSED TO REFUND MONIES. XXXX XXXX ALSO, CALLED AND TRIED TO COLLECT SAME ACCOUNT. 

ALL OF YOU ARE IN VIOLATION OF THE DODD FRAN ACT. 

THERE ARE ATOTAL OF COLLECTIONS CLOWNS ON MY CREDIT, CALLED CELL, FAILED TO VALIDAATE DEBT, ALL ARE REPORTING ON ALL BUREAUS. 

YOU WILL BE SUED IN CLASS ACTION ALONG WITH THE OTHER CLOWNS AND U.S CELL.

Company response to consumer: Untimely response
Consumer complaint received 05/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing disputes

Complaint: i called and set up a payment and the representative keyed my bank cardaccount number in wrong and cause my payments to be late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Debt collection (I do not know) with United Collection Bureau, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: constant calling and threatingin

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was unaware of this debt for this outrageous amount ... We had a credit line of XXXX and the bank closed ...

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: TransUnion refuse to investigate the amount of inaccurate inquires I have 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 05/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I received an offer from Citibank to open a new Citigold bank account in XXXX XXXX, which promised XXXX XXXX XXXX miles in exchange for making XXXX XXXX XXXX XXXX bill payments in consecutive months and for spending { {$1000.00} } on my debit card. I met these requirements in in XXXX XXXX and here is an excerpt of the message I received. 

" After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your XXXX account by XXXX/XXXX/XXXX. '' Now Citi is giving me a run around saying there 's delay and I wo n't get the bonus until XXXX45 days after today when I called. This has been going on for weeks. I 've tried contacting them over the phone and online, all I get is run around. I just want to get this resolved in a timely manner without having to chase them down. Does Citi want to alienate their customers? What kind of relationship do they want to create with the public here? After all, we did bail you out after you XXXX up in XXXX with the whole mortgage stuff. I mean come on!

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 01-10-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I lost my job and was not able to pay

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with National Credit Systems,Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: NATIONAL CREDIT SYSTEM IS STILL REPORTING ON MY CREDIT REPORTS. I WAS NOT NOTIFIED OF THIS DEBT HOWEVER I PAID IT BECAUSE IT WAS ONLY {$140.00} AND THE REPRESENTATIVE PROMISED THAT IT WOULD BE DELETED FROM MY REPORTS IN 30 DAYS. WELL IT 'S BEEN A YEAR!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My Problem is with the XXXX XXXX XXXX XXXX I incurred tolls which I paid. The tolls are {$5.00} and I have paid them. there was a total of 10 tolls at {$5.00} each which I paid but They started sending me late fee notices of {$55.00} on each {$5.00} toll which is outrageous Why are they allowed to charge a late fee 11 times the toll amount. I am not a toll cheat and when I received the notices I paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I got the home mortgage past-due amount and tried to get the mortgage modification with the mortgage company. It took more than 6 months to make it, and now I got the letter to go to the foreclosure suddenly. So I made the request to them to give several months of grace time to sell my home to avoid the foreclosure, but they did not say to postpone the foreclosure date. The current home price is much higher than my borrowed amount for home mortgage. So I just need a graceful time to sell my home and payback all of the borrowed amount to the home mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Fraud or scam

Complaint: On XX/XX/2018 at around XXXX PST, I made a XXXX transfer of {$300.00} for 2 tickets listed on XXXX to a XXXX XXXX on XX/XX/2018 in XXXX at XXXX. After the person received the money they did not transfer the tickets. I tried to contact them, but they stopped responding to my texts and wouldn't take my calls. Before I sent the money, they did send me a photo of their WA drivers license. 

I notified my bank, Bank of America, and asked them to cancel or reverse the transaction. They said that I need to take up the claim with the receiving bank, XXXX. I called XXXX who said I need to take the claim up with my bank. Neither bank is willing to help. Please help me recover my money. Thank you for your help. 

XXXX transfer conf # : XXXX ( from my Bank of America account to a XXXX account ) The scammer 's confirmed phone : XXXX The scammer 's email used to receive the XXXX transaction : XXXX Info from the scammer 's Washington drivers license that they sent me a photo of : Name : XXXX XXXX XXXX WA Lic # : 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 12-10-2015 about Debt collection (Medical) with Professional Recovery Management (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid the debt and XXXX refuses to take it off of my credit report, or host an acceptable means of filing a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (KS).
Issue: Application, originator, mortgage broker

Complaint: On or about XX/XX/2016 I was contacted by my mortgage company XXXX Mortgage about refinancing my VA loan. I was told by the agent that I would not have a payment in XX/XX/XXXX and would have my next payment on XX/XX/XXXX But I was also told not to skip XX/XX/XXXX thus leading me to believe that I would still have a 30 day grace in skipping a payment. Now the company is saying I should not have been told that by the agent or the closing agent. I was assured this was the case and now that the loan is closed it was all a lie

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