milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have received numerous calls from XXXX among several other numbers but this is the most recent. Several months ago i was receiving these calls also but I impolitely told them DO NOT CONTACT my family as they have recently done also. They did not call back until today. They contaced my mother and stated it was urgent I contact them that they are just trying to help me. I decided to call them back. They claim to be XXXX out of XXXX, GA. They went through this whole spill and sounded legitimate so without thinking this through obviously I gave them my card number to pay the debt because I in fact owe this. After I did this, I then recall my previous conversations with them several mos back and they were rude and making sound as if I were going tpo jail. STUPID me, so I then called and cancelled the card that I had released the info on. These people are harrasing and I would like to know what I can do and whom I can contact to report this and I would like to take action against them if this is not a legit company for harrassment. Any advise you have will help ....

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I refinanced our mortgage with Nationstar in XXXX 2016. I enrolled in automatic payments and paperless statements. Our XX/XX/XXXX payment included an additional charge for {$47.00} for Optional Products and Services. I contacted Nationstar to inquire, I was told the charge was for a home warranty policy with XXXX XXXX XXXX XXXX. XXXX XXXX cancelled the policy after several calls and indicated that the original request for enrollment was received XXXX/XXXX/2016 from Nationstar. Nationstar claims that their only role in the process was to collect the payment and forward to XXXX XXXX. I made a total of 7 phone calls ( 4 - Nationstar, 3 XXXX XXXX ). I asked each company for documentation of authorization of payment from our bank account and both indicated that I would need to request it from the other company. How can a company take money from my bank account without authorization? It sounds like fraudulent activity to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: During the month of XXXX XXXX i purchased XXXX prepaid sim cads for XXXX telephone lines from XXXX. XXXX for me and other XXXX for my wife and XXXX daughters who was supposed to come to USA in XXXX XXXX. Since only my wife and XXXX daughter came Subsequently I spoke to XXXX and got XXXX line cancelled. Since i found the XXXX was very expensive in month of XXXX I spoke to XXXX and got other XXXX lines also cancelled .Their after in XXXX of XXXX XXXX i received the final bill from XXXX. Before I make the final payment of {$60.00} I contacted XXXX and inquire about the final bill ask is their any money that that I owe to XXXX the representative confirmed that {$60.00} is only amount due. I made this Inquired in the past too some years before I had same type of claim of claim from XXXX which I paid in vain.I paid the final bill by cheque and sent under certified mail.The final payment cheque has been realized from my bank a/c Their after later part of the year the XXXX credit reporting company inform me that my personal information provided to XXXX has been hacked. 
In XXXX XXXX XXXX i received a bill from XXXX for an {$240.00} as amount due to them. I immediately contacted XXXX and informd the hall story. The Representative confirm that its a hacking story story is true and its frodulant matter and she will forwrad case to the special comeete set up for and that they will contact me. Since they did not contacted me I contacted XXXX XXXX dyes XXXX XXXX and XXXX/XXXX/XXXX both days they informed me that they will contact me but they never. 
XXXX/XXXX/XXXX I received a letter from collecting XXXX named south west credit demanding me to pay & XXXX.I contacted XXXX again on XXXX/XXXX/XXXX they said that they need to open my a/c wanted my pin no. Which i could not remember, They said they will send me a temporary pin still I have not received yet. The collecting ajancey contacted me several times and demanding the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11/19/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I had a negative mark on my credit and wells fargo wont take it off. My car was un a total loss and my insurance paid. And it shows that i still owe XXXX dollars. It has made my life impossible the past 3 years.

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 02-11-2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Never been previously contacted by Pinnacle Credit services. Received a XXXX discharge of debt. Both XXXX and a call to them state that this is a XXXX XXXX XXXX Debt. They have refused to provide any backup. In fact, they say they have no back-up. XXXX has no record of any debt in my name or under my SSN number. By filing a XXXX, I now owe taxes on forgiveness of a debt that I do n't think they have and that they can not verify. They have refused to withdraw the XXXX which I have requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Payday loan) with Allied Collection Services, Inc. (Nevada) (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received no communication from this organization. In accordance with FDCPA I should have had the opportunity to dispute. Was not give that chance debt just appeared on my credit report as collections.

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 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Notified the company that the information reported was inaccurate and false

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 04-07-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Using a debit or ATM card

Complaint: Received an email from my bank regarding suspicious activity on my debit card. Somebody used my debit card to make a purchase at a XXXX in Georgia Friday night ( XXXX ) while I was out with my fiancee in XXXX Illinois.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Fraud or scam

Complaint: I am owner of an XXXX and XXXX XXXX - XXXX XXXX of XXXX in XXXX, FL. XXXX.Phone number XXXX XXXX XXXX. 

On XX/XX/XXXX we were duped by an erroneous person pretending to be the real estate agent by email for funding of the sale of a property at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The money was wired to a Bank of America Accoun at XXXX XXXX XXXX, XXXX, TX with the name of XXXX XXXX XXXX XXXX XXXX. The checking Account number was XXXX XXXX XXXX and the routing number was XXXX. 

The wire was initiated at XXXX XXXX. At XXXX XXXX we called our bank XXXX XXXX to report the incident and to stop the wire. Right after that the wire department at XXXX XXXX was calling Bank of America and trying to stop the transfer. 

At the same time a complaint was also initiated by us to the FBI. Which will be included if we can upload a copy of the complaint. 

Until now Bank of America will not confirm to our bank as to where the funds are and any details of what has transpired. They just keep telling us that it will take 60-90 days to complete the investigation. 

It is now the XX/XX/XXXX and over 30 days from the incident. In the mean time the seller has initiated a lawsuit to recover the funds from us. Please advise us as to why Bank of America will not contact us and give us information on our funds.

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 06/27/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (MS).
Issue: Taking out the loan or lease

Complaint: I purchased a XX/XX/XXXX Chevy Silverado XX/XX/XXXX from XXXX in XXXX. I test drove the vehicle and it appeared to be sound. I drove the vehicle to my job location XXXX. Upon arrival the vehicle began hesitating and dying at stop lights. I checked the oil and it was down XXXX quarts. The engine light came on. I topped off the oil and noted the oil light was acting irregular. In XX/XX/XXXX I put my vehicle in the shop. The shop confronted me and said the oil sending unit was bad. It remained in the shop for XXXX week until the repair was made. Later that month I was experiencing the transmission shifting irregular and not changing gears until reaching high rpm. The vehicle died at the stop lights or upon breaking abruptly. I constantly checked the oil and after XXXX mile trips it would use XXXX quart of oil. At the end of XX/XX/XXXX I put the vehicle in the shop for XXXX weeks into XX/XX/XXXX and they replaced a motor mount, oil valve cover gasket, replaced the spark plug wires and spark plugs and the shop did a drip into the pistons claiming the rings were seized. Than seemed to address the oil consumption. I was still having issues with the transmission after XXXX miles dying coming to stop changing gears at high rpm. I drove back to XXXX. and took it to XXXX on the XX/XX/XXXX. On the XX/XX/XXXX they told me that the torque converter was fried. A Superior agent approved a used transmission from a wrecking yard on the XX/XX/XXXX. On the XX/XX/XXXX the truck was picked up. I paid the XXXX deductible. 
On the XX/XX/XXXX we traveled to our kid's house XXXX for the weekend and encountered the very same problem with the transmission. We stopped in XXXX for gas and the truck would not start. XXXX towing came out with a wrecker and hauled our vehicle XXXX. We had to rent a car XXXX to return back XXXX where we are working.         We got the truck in too XXXX. The service manager called this morning and stated that XXXX lifters needed to be replaced. He quoted XXXX for the repairs. When I asked him about the transmission he said they had to replace the lifters XXXX. I spoke to XXXX who is the Service Manage XXXX.
I purchased a service plan with the vehicle. They would not honor my past repairs and they are dragging their feet on the repairs to the Vehicles' transmission. We had the extended warranty plan, Superior Plan, on the truck  
I have owned this vehicle paying XXXX per month going XXXX months. My repair on this vehicle is well over XXXX bringing the monthly payment to XXXX per month not counting the cost of the transmission repair XXXX 
I have had to rent vehicles while my truck was in the shop in the amount of XXXX on XXXX separate occasions. The rental were XXXX days at a time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After submitting in writing in XXXX 2015 to XXXX to cancel services, they continued to charge my XXXX Credit card. We attempted to contact XXXX directly to reverse the charges and they were of no help. I contacted XXXX and XXXX investigated and returned the charge as unauthorized. Months later collection notices started coming directly from XXXX. I logged into my XXXX account on XXXX, their online account management system. In there, I discovered that every month after they were continuing to try and charge the account for the unauthorized charges plus additional charges and fees. On XXXX XXXX, 2015, a charge for {$450.00} slipped through XXXX filter. XXXX deemed this charge as unauthorized, as it was partially the charge they had previously rejected as unauthorized. Along with notifying XXXX of the unauthorized charges for cancelled services, I notified XXXX on that day that they made an attempt to collect unauthorized charges and asked yet again for them to zero out the account from these charges and close the account. After contacting them this time, and XXXX returning the charge, XXXX did XXXX the account out ; however, when I checked a month later, on XXXX XXXX, 2015, they had posted new charges to my account in late XXXX and again in XXXX. I again contacted them by email through XXXX disclosing once again these were disputed and unauthorized charges as I had cancelled back in XXXX 2015. Fortunately, XXXX did not allow the charges to go through, but XXXX was persistent and began the demand letters again. When I received the first collection notice from them this time, I found that they had cleared any messaging history between us from their system and provided no transaction history as was there for me to view prior to this new notice. Since XXXX was not allowing me to actually get charged, I did n't worry about it until I went through my mail today and had a collection notice from First Credit Services , Inc., attempting to collect the debt for these unauthorized charges. It is not a matter of not being able to pay this debt, it is a matter of the fact that the debt is fraudulent, not authorized by me, and yet contacting XXXX multiple times trying to resolve the issue, I could never get them to stop. I have wasted so much time dealing with this, it is not even funny. I am in the process of building a new house, and I will be damned if I allow a predatory service like this ruin my excellent credit and cause me increased interest charges due to hurting my credit. Not only should XXXX and First Credit Services write off the debt, they should be paying me for my wasted time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: BestBuy offered me City Bank credit card i agreed and was approved. I received card and try to activate but it was impossible because they can not identify phone number as mine. So i can not close account or activate card because of their problem with identification of my phone number. I have all necessary documents, XXXX, ID, and phone number contract is on my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Mortgage (Conventional fixed mortgage) with AMERICAN INTERNET MORTGAGE (VA).
Issue: Application, originator, mortgage broker

Complaint: I am applying for a new mortgage. This is a property that was put under contract as a lease purchase 5 years ago, when the market was not as good. It has come to the end of the lease purchase and I must now complete the purchase. The value of the home has increased over the past 5 years. AIMLOAN had one of their approved appraiser put a value on the house. The loan to value ratio is 45 %. I am only borrowing 45 % of the current value of the loan but AIMLOAN is requiring that I pay Private Mortgage Insurance. Even though I advised the this was not legal and would n't even cover them, because it only covers the first 20 % of the value of the the home, they did n't care and are refusing to close on the loan if I do not purchase the Private Mortgage Insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX has reported incorrect information, and these collections should have been taken care of already. I had insurance at the time and they never billed insurance. They were to remove the XXXX items three months ago, and they still appear on my credit reported, hurting my credit as they are in collections with Wakefield collections/XXXX XXXX XXXX center. Please help me to get these removed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Delinquent account

Complaint: Rooms To Go has placed this on my credit report after repeatedly telling them that I do not owe this money. Please see attached :

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 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On  XX/XX/XXXX , I contacted   XXXX   directly at  XXXX , regarding an account that reflects as  XXXX   XXXX   XXXX  on my credit report. I advised the individual that this account was paid in  XXXX  and according to their own report the last date the  XXXX  received an update from the data furnisher the account was opened  XX/XX/XXXX , and the last date reported was  XX/XX/XXXX , which reflected a current balance owed of {$810.00}.  <P/> This balance was paid in  XXXX , and I have advised both  XXXX  & the original creditor via letters ( by mail ), disputing it on  XXXX  website & through  XXXX   XXXX . I have sent  10  letters starting in  XXXX  and the last three I sent were in  XXXX ,  XXXX  and  XXXX  of  XXXX .  XXXX  at no time investigated the item, they only sent me a copy of my credit bureau.  <P/> In each letter I indicated the account had ben paid off, and that they needed to update the account. Subsequently as a result of   XXXX   negligence, I show I have a 31 % credit usage, and I have been denied credit, as well as charged higher interest due to the increased DTI. By  XXXX  own records including this {$810.00}, I am using {$2100.00} out of the {$6900.00} available credit on my credit cards.  <P/> If  XXXX  had updated the file in  XXXX , as per my request by letter and the dispute process I would only be utilizing {$1300.00} out of my {$6900.00} available credit, which drops me from medium risk at 31 % to low risk at 19 %.  <P/> On my last phone conversation with   XXXX   on  XXXX / XXXX / XXXX  at   XXXX   XXXX  . C.S.T., I advised the representative I had a certified letter from the data-furnisher stating they have requested the account removed. I provided the name and phone number of the individual at the data furnisher, and the representative said they would contact the data-furnisher to verify the information. When I spoke with   XXXX   later that day at   XXXX   XXXX  . I was advised they did not contact the data-furnisher and would not do so.

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 09/22/2016 about Debt collection (I do not know) with Valentine and Kebartas, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection agency is continually harassing staff at my place of business to try to collect a debt that is not mine. Agency is asking personal questions about me to other people at my place of business. Agency is threatening to garnish wages without justification. Agency has not honored repeated requests to not call again, especially to my place of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with EARLY WARNING SERVICES, LLC (PA).
Issue: Unexpected or other fees

Complaint: A money transfer in the amount of {$1000.00} was processed on  XXXX  to my landlord who has a   XXXX   XXXX    XXXX  account this transfer was with a company called  XXXX . On  XXXX  the payment of {$1000.00} was taken out of my account. On  XXXX  another {$1000.00} payment was taken. None of which ever made it to my landlords account. On  XXXX  I was called at  XXXX  by  XXXX   . T o inform me that  XXXX   XXXX   XXXX  would be returning the money on Wednesday  XXXX . On  XXXX  I received an email from  XXXX  stating that my payment had failed and the money would not be returned to me because there were no funds taken. Which is clearly not the case. I called numerous times throughout this process. All almost to no avail. I was told in the very beginning that they could not help me. I have spoken to supervisors and still am in a run around. I called on  XXXX  and was told basically they had no idea what was going on. And today which is now  XXXX . Still with no resolution. Or even a glimmer of resolution. With an overdrawn account and bills that need to be paid. I am running out of time and patience.

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 10/16/2015 about Mortgage (FHA mortgage) with Dyck-O'Neal, Inc. (IL).
Issue: Settlement process and costs

Complaint: I went to court to file for a deed in lieu of forclosure at the time of the closing a XXXX $ repay was due to be paid at the time of closing I was unable to close, and the issue was dismissed. Another closing was set and at that time NO REPAYMENT was part of the closing settlement. I had begun the repayment process and when I informed the DYKE-O`NEAL company of the mistake I requested a refund they promised to refund but they have yet to contact me.

Company response to consumer: Closed with monetary relief