milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-10-2015 about Consumer Loan (Vehicle loan) with AC Autopay, LLC (OH).
Issue: Managing the loan or lease

Complaint: I tried to pay my monthly auto payment through my bank. Payment was scheduled for XXXX/XXXX/2015. On XXXX/XXXX/2015 I called AC Autopay inquiring about the payment and was informed that no payment had been received. I called my bank and was told electronic payments are not accepted by AC Autopay, so they sent them a paper check via US MAIL. I stopped payment on the check since no one could verify it 's whereabouts. I then called AC Autopay again on the XXXX. Explained to them that I stopped payment on the missing check so as to please not submit it for payment. I was assured a note would be placed on my account stating the same. My bank told me to wait 24 hours before re-attempting payment as to avoid double payment. I explained to the AC Autopay customer representative the same and since my note was n't due until the XXXX that I still had time. I called AC Autopay back on XXXX/XXXX/2015. Still no record of any check so I proceeded to pay with my XXXX XXXX right then and there. I received my XXXX statement with fees for a returned check. They found and submitted the check to the bank for payment on XXXX/XXXX/2015 and it was tomorrow ejected. Why submit the check if already aware check was cancelled and account was current. And the dates on the statement entries are questionable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: I tried to do a wire transfer on Chase.com website on XXXX/XXXX/15, which was not possible. When inquiried with their customer service, I was told their system was down and I had to go into a local branch. After rushing into a branch to make their wire deadline, they first attrmpted to charge me more for coming into the branch. I had to fight my way to credit me for the wire. I then found out at the end of the day that they sent out a duplicate wire due to their system malfunction. I have been trying for the past XXXX days to get my money back with no end in sight. All I get is a run around if I call. I was given a case # to start a " best effort '' recall action with no result. They said this was an error on their part but they just apologize for it while I am out of pocket.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XX/XX/XXXX discharged Chapter XXXX Bankruptcy for a XX/XX/XXXX {$88000.00} home equity loan. Original obligation has not been discharged under Title 11 of the United States Code.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Problem with additional add-on products or services

Complaint: I have some conerns in which I was able to obtain a loan in XX/XX/XXXX. without the use of the agency coping my social security card at that time of approval. Currently they called to allow me an increase in which they told me to bring in my social security card due to my issues of identity theft. I brought in all of my documents today as I did in XX/XX/XXXX when first approved. I had FRAUD VICTIM on my credit report they pulled in XX/XX/XXXX as the same one the credit report they pulled on XX/XX/XXXX however this time they would not give me the loan increase because I would not allow them to make a copy of my social security card. I informed them that due to the ongoing issues I had in the past I have a right to not allow you to copy my card however I am showing you my card. You have my proof of income with the last 4 of my social security on it and you have my drivers license with me in front of you. You see my social security card so for you to deny me this loan because I refuse to let you copy my card is not right. Under 31 CFR 1.32 I should not be denied if I choose not to allow someone to copy my social security card. They have many other forms of proof I am who I am even when I loaned in XX/XX/XXXX with my current loan still open

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Payday loan) with Trademark Management Solutions, LLC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Took out pay day loan from XXXX .... at ( as I found out later ) outrageous interest rate over 200 % APR ( at least ) Attempted to resolve the matter ( to reduce APR ) the refused to. 
They tried to get money out of me- I blocked them. 
Over 15 months later I get threatening calls from Trademark Management Solutions XXXX, stating that if I dont cooperate with them, they have server in the area to file criminal charges against me. They started to call everyone with the same last name and threatening them too. 
When I called back they said they were mediators and coned me to agree to pay them {$300.00} per month till I payoff ( {$5000.00} ). 
I paid them XXXX {$300.00} each time by my debit card so far, called to change due date and requested a slightly lower amount ( {$220.00} ) - they refused and XXXX thing this morning I received a phone call from someone called XXXX XXXX stating she is local locator and she will be visiting me @ the place of my employment or residence with some court papers. 
At which I emailed them Cease and Desist letter ( to the same email address they were communicating with Me from ) and emails starting to come back as not able to communicate over the email demanding to call only. And then it changed to can not accept emails also. 
I did research on the firm and found a lot of complaints and there is even law firm investigating for threatening people with the same type of messages that I have been receiving from them. 
They Need to Be stopped and outlawed!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: Wells Fargo has a post on my Wells Fargo account I have a mortgage with Wells Fargo. Wells Fargo has been notified multiple times. I did not sign a mortgage with them. The documents show my signature is not on the mortgage. I have an attorney, XXXX XXXX, XXXX. 
I want it immediately removed from my credit reporting XXXX agency and my Wells Fargo account. This is fraud. I am prepared to take this fraud to the media. This fraud needs to be removed immediately, to prevent further legal actions. 
I did not sign a mortgage with Wells Fargo for mortgage.

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 02-10-2017 about Student loan (Non-federal student loan) with GREAT LAKES (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have called on behalf of my XXXX XXXX ( XXXX ) and maintained contact with the servicer, Great Lakes, indicating I am still unemployed and can not pay the requested payment amount. I called recently because my payment went from an agreed upon $ XXXX/month to $ XXXX/month. I CAN BARELY AFFORD {$75.00} ... much less the more than quadrupled amount due. When I called and asked for income based repayment, they said they could not offer me any reduced payment options " they 're hands are tied because it 's a not-federal loan ''. I said I could not possibly make the full payment but had already paid the {$75.00} and now this month I have seen my credit score dropped XXXX points again. THIS IS REVOLTING!!! Without credit in this country ... a human ca n't live! 
Please help?!!? They are bullying me! Please also note the attachment from an email whereby the creator of the loan from XXXX agreed that Great Lakes was not doing an adequate job of servicing me. Yet he did n't do ANYthing about the extra fees & interest piling up on my account during that 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 02/15/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Settlement process and costs

Complaint: WELLS FARGO HAS NOT ANSWERED MY QUESTIONS AS TO WHO WAS WHAT IN THE INVOLVEMENT OF MY MORTGAGE AND FORECLOSURE. I AM SENDING MY REQUEST FOR THOSE ANSWERS.

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 02/16/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In approximately XXXX, 2015 I was sent a letter by Specialized Loan Servicing asking for payment on a zombie debt/mortgage. The last communication I had with the original mortgage company was more than 8 years ago in which I sent them a qualified written request and they sent me nothing to verify the debt -- the statue of limitations for ALL debt in CA is 4 years. I was sent a XXXX by Specialized Loan Servicing and I spoke with XXXX XXXX XXXX who said that the lien would still stay on my property and that I would have to pay it off ; however they were not servicing the debt and have written if off with a XXXX. Although I explained the IRS says that the original collector had 36 months to send me a XXXX, Specialized Loan Servicine should not have sent me XXXX as the debt is 8 plus years old. I asked for information on the previous loan and he refused to provide it over the phone and he would not correct the XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: We settled a short sale agreement with Bank of America Home loan on both first and second mortgage and sold our home on XXXX/XXXX/XXXX through escrow and the title company wired funds to BAnk of America and paid off the XXXX loans. 
However Bank of America turned around and sold the second mortgage, which we had paid off back in XXXX to XXXX in XXXX and we got collection notice in XXXX from XXXX. We 've called and submitted closing & pay-off statement/documentation on both loans from XXXX XXXX XXXX XXXX to both financial institutions to get this resolved and filed official complaints. But we were either got ignored or told that it was not their problem. XXXX is sending us collection letters and negatively reporting us to the credit bureau on a mortgage that we paid and satisfied and it should not even be existed. 
Our credits were ruined badly and we are deeply distressed by this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: my debt from a collection agency was sent to a different agency & the orangnel date of XX/XX/XXXX was changed 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 explanation
Consumer complaint received 09/20/2016 about Debt collection (Medical) with Financial Adjustment Bureau, Inc. (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The XXXX amounts in collections by the Financial Adjustment Bureau on my credit report have never been reported to me by mail or otherwise. I have however been advised of XXXX accounts by mail, in collections that are not reported on my credit report. There are in all, XXXX discrepancies ... I do not know to whom I owe how much and to whom I would pay how much ... .I have never received correspondence about any of it. I am disputing the fact that I just now found out about all this, and why and where did this mess come from?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Other debt) with American Profit Recovery, Inc (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Dear CFBP American Profit Recovery has been attempting to collect on two separate files that Ive disputed from day one. So Im hoping that with your assistance Ill finally be able to get closure with both accounts.
The first one is with XXXX XXXX and was place with APR on or about XX/XX/XXXX. I never hired them to do any work at my house. Over the years and as recently as XX/XX/XXXX Ive asked for the original signed contract and/or any documents supporting the charges APR is trying to collect or that would confirm I even hired them. As of today I was told that they still havent received the requested documents from XXXX XXXX. The 2nd account is with XXXX XXXX XXXX and was place with APR on or about XX/XX/XXXX. Although I did hire XXXX XXXX XXXX I have disputed the amount owed well before ARP even bought the account. XXXX XXXX XXXX charged more for the lawn service then was originally agreed upon and that they charged for 2 cuttings they didnt do, which I was able to verify by reviewing our security video. Ive requested the original SIGNED estimate and all invoice used to validate the amount they say I owe however as of today they have not been able to provide anything. Ive talked XXXX and XXXX at APR to inquire on the status of the documents and was told by both that there isnt a time requirement for the client to provide validation docs, how can this be? Without these documents how has APR been able follow the CFPBs examination procedures to determine my identity, the amount owed, whether any fees charged were permitted by contract, and the original creditor? Any assistance you can provide in putting this to bed would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX 2015 we moved from XXXX in XXXX XXXX, GA to XXXX in XXXX, GA. We left due to management not dealing with issues. XXXX The noise of cars coming in at XXXX, XXXX or even XXXX with the base woke us up consistently. We always got told to call the cops but when the police would get there nothing would be able to be seen or heard.It was XXXX that use to own XXXX. Then XXXX company came in and took over. The situations became even worse than before.Our belongings were out by XXXX and the keys were put into their slot. We have paperwork with the rental truck etc. They kept our security which we just wanted out of there so we did n't care. But because They did n't return until XXXX XXXX which is a monday they are trying to state we owe XXXX for a full months rent. But their was XXXX of us in this apartment and they are only coming after me and put it on my credit report. We do n't owe the money as we were out. I dont get why they state I owe this money and I am trying to get this off my report. I paid a week in advance for wedgewood which was XXXX to move in. We were fully in by the XXXX XXXX. How can they put this on my report and give it a negative due to this collection agency? PDM Debt Mediation

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with Allied Interstate LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Man y Allied Interstate ph one calls wi th 3 conversations with  their representatives ( latest conversation was o n   XX/XX/XXXX  ) expl aining that the debt they are trying to collect is a result of identity theft and all required documentation was  submitted to both the original creditor :   XXXX   XXXX   XXXX   and current creditor :  XXXX   XXXX   XXXX . The documentation included credit cards with  XXXX   XXXX  that were in good standing with proof of address, FTC identification theft affidavit an d City of     XXXX  n incident r eport regarding identify theft were submitted on   XX/XX/XXXX .Thereafter, no calls were r eceived.     However, since mid  XXXX ,   XXXX  , started receiving phone call s. Allied Interstate said the bought the outstanding loans from the   XXXX   XXXX   XXXX  . Then, I received another letter dated    XX/XX/XXXX  from Allied Interstate stati ng that  XXXX   XXXX   XXXX  is willing to accept payment of {$190.00} within 30 days! This despite all documentation was provided disputing the charge.to everyone involved.

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Experian will not actually investigate the validity of an account that I have disputed from XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2012 I went to the Emergency room for a XXXX XXXX and was treated by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX was under contract with XXXX XXXX XXXX XXXX at that time. XXXX did not turn the claim into the insurance company in a timely manner, and the claim was denied. Per their contract, XXXX was not allowed to bill me, the patient. Instead of writing the amount off the books, the balance remained but they did not bill me. Later, XXXX sold their Accounts XXXX to ProCollect. ProCollect refuses to acknowledge the paperwork that proves that I do not owe the debt. I sent a copy of the EOB from my insurance company with a code ( XXXX ). The XXXX page of the fax is the back of the XXXX which explains a code " ( XXXX ) You do not have to pay this charge. That is because the provider did not send the claim to us within the required time limit. ( XXXX ) ''. The have put a collections entry on my credit report and have been sending harassing letters and making harassing phone calls. I made several attempts to resolve the issue and in return received abuse and zero cooperation. The would not give me an original invoice or any contact information other than company name for the original charge. Through my own research I was able to get the whole story from XXXX XXXX insurance company. I will also be reporting ProCollect to the FTC for XXXX and FDCPA violations. The phone abuse went all the way to the top. I even spoke to XXXX XXXX XXXX, XXXX XXXX of ProCollect. He immediately began yelling at me over the phone and talking over me. Thank you very much for your assistance.

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 09-09-2016 about Debt collection (Medical) with Ability Recovery Services, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Collection agency continues to try to collect on a debt that does not belong to me and was never my bill. The original creditor has attempted to assist me with getting item removed from credit report but collection agency refuses to assist either of us in getting matter resolved. Original debt was established by someone visiting emergency room and using my personal information to get service. No identification was provided or signature from the individual. I have disputed debt with all bureaus and they continue to resell the debt and will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Consumer Loan (Installment loan) with Cottonwood Financial Ltd. (IL).
Issue: Problems when you are unable to pay

Complaint: I have advised the Cash Store a few times that I have spoken with an attorney but due to the holidays, I will not hear from him until Monday. Cash Store called me XXXX a day even though they were told by me that I work during the day which is XXXX Monday through Friday. I just started this job on XXXX/XXXX/15 and I am still on probation until XXXX, therefore I ca n't just working to answer their calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: From XX/XX/XXXX To XX/XX/XXXX I was XXXX in XXXX XXXX XXXX  California. All charges/purchases/withdrawals/activity on my debit cards and my credit cards. Including my XXXX credit card. I did n't make my first purchase until XX/XX/XXXX I did not spend nor authorize Anyone to have control over my cards while I was in the XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief