milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-02-2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Problems caused by my funds being low

Complaint: Hi, My name is XXXX XXXX, I have an account with XXXX XXXX XXXX XXXX. I have been disputing with them because on NUMEROUS Fees which I was never made aware of nor are they written any where. About 2 months ago I went through some financial hardship and my account Overdrew. I became very busy looking for a new job and did n't when until I began getting statements and constants calls from Chexsystems about owing them more than {$1000.00}. Whem I looked at my statements I was being charged redicoulus fees. I was allowed to continue using my card and for example, I spent {$1.00} in parking and they charged me {$180.00} as an over Draft fee and like that many more. I never agreed to such Bullying. Now I cant open an account in any other bank ( I have the letter ), my credit is being affected. I have to do everything in cash, which is almost impossible in this era, They are ruining me and bulling me by reporting me to such an agency and paralyzing my life financially. I am trying to buy a car to take my kids to school and me to work and I cant. I have been on public transportation due to this mess. I need this removed from my consumer report and resolve this issue immediately. Please Help Me. 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 04-12-2016 about Debt collection (Credit card) with AllianceOne Recievables Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am getting a bill form Alliance One who bought a debt from XXXX that also not my account and I have disputed this account with the credit bureaus and it was deleted. Now Alliance One wants to buy debt and try to come after me and jepordize my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: The issue is overcharge and unreasonable. 
1. I purchased air ticket online which is {$990.00}. But charged {$1100.00}. I contacted America Express many times, and not to solve. Overcharged {$200.00}. I booked hotel, and I cancelled already. I informed America Express to stop payment also. They charged me still. I contacted America Express many times, and not to solve. Unreasonable charged $ XXXX {$49.00}. ( {$49.00} is for foreign transaction fee ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: While reviewing my credit report I noticed a credit card in bad standing that I was unaware of. Upon contacting the original credit company they stated that the debt was sold to XXXX XXXX. I have disputed this debt multiple times and have not come to a resolution. When contacting the credit collection agency I have requested statements and other documentation that they were unable to provide. I was directed back to the credit card company who would also not supply information stating that the collection agency now has all information. The debt collection company and the credit card company both are unable and unwilling to provide me any information about the debt but will also not remove the account from my credit report. XXXX XXXX has since deleted this debt from my Credit report, however XXXX or Resurgent is not willing to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Debt collection (Other debt) with CCS Financial Services, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Credit Collection Service is STILL trying to collect a debt that was discharged in a bankruptcy!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX XXXX, NH XXXXshow up as address in my credit report. I have not lived at this address and want to try to get it off of my report under personal information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In   XXXX  , I called this debt collector to state the the debt was not mine, and I did not owe them. They failed to send me any documentation proving that the debt was min e ( no   contract ). I never heard anything back from the and 30 days had already passed. Representative I spoke with claimed they did not have to prove it, which was a absolute 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
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (IL).
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 contacted Navy Federal on Saturday XX/XX/XXXX. They will not credit my account for fraudulent charges that were made to several retailers. The largest retailer being XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: I have had a Costco XXXX XXXX credit card for over 8 years and have always been on the automatic full payment method from my bank checking account. When Costco changed to Citi Visa credit cards I was issued a new Visa card. The first statement from Citi Visa is charging me {$72.00} interest and saying the previous balance was not paid in full. The statement ( attached ) shows a previous balance of {$4400.00} and a autopay payment of $ {$4300.00} leaving an unpaid balance of {$120.00}. Because I 've been enrolled in autopay for many years I do n't believe this is possible. I spoke with a representative at Citi Visa who acknowledged the previous payment and attempted to credit me for the interest charge but was " not authorized '' to do so. I asked to be transferred to someone who had that authority but was told I had to specify who I wanted to speak with - impossible since I do n't know anyone there! I asked for her supervisor and was told that a supervisor would call me within 24 hours. That was 4 days ago so I called again today. This representative said she was unable to do anything and would have a manager call me. I have no confidence in that and therefore I am filing this formal complaint.

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 02-03-2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Phh Mortgage servies. Have been tryikng to get a Hamp Modification for a year. They keep saying my paperwork expired or something is missing. They held my payments in a suspense acount and reported to my crdit report that I was n't paying. Told me i got the loan and tried to have me sign papers that would have caused XXXX more in iterest. Trying to fourclose on me now even though i have been paying every month

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was notified that NCC Business Services was attempting to collect on a disputed rental debt on behalf of XXXX. Because the debt prevented me from being considered for future apartment rentals, I made the decision to pay the disputed debt to resolve the matter and put it behind me. This debt was paid XX/XX/XXXX. I received a letter via email from NCC Business Services that showed the debt as paid in full, and I provided the letter to the apartment office. More recently, I have applied to several apartment communities, and my applications were declined due to unpaid rental debt. This debt is still showing open and unpaid on my credit report, even after almost a year of it being paid. NCC Business Services is responsible for timely and accurate reporting to the credit bureaus for debts they report. They have failed to accurately report this account for almost a year, which has been detrimental to my credit report and has cost me financially due to apartment application fees. I contacted NCC Business Services XX/XX/XXXX to discuss this matter and obtain proof of payment. The first person hung up on me, and when I called back, the representative said my only option was to send an email request to their email address. I have yet to receive the simple letter I requested, and any acknowledgment of my request. This has been incorrectly reported for almost a year. Falsely reporting a debt to the credit bureaus is a violation of my rights as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Today XX/XX/XXXX I received 3 phone calls from XXXX at One Main Financial who stated that the matter was urgent and that she needed to speak to me right away. I had called previously and called once more and finally got her on the phone. She then told me that my XX/XX/XXXX payment did not post and that it was coded that my bank account was frozen. I told her no way. I told her that I just left the bank and my account is fine. We spoke of other methods of making a payment and she agreed that my wife could call with a debit card to make the payment. She smugly told me she was just worried about my account. This suppose concern seem odd to me immediately. 
I later spoke with my wife about the matter and she told me she was in our bank account and that payment did go through with no problems. I also recalled being online earlier and seeing that the payment showed posted for XX/XX/XXXX. On that subject, I had went into the local office, on XX/XX/XXXX and changed my banking information and XXXX processed the payment electronically. Nevertheless, I called XXXX back and told her the payment with through just fine and that it showed online and that I even spoke with One Main customer service department who confirmed the payment. She ask me to screenshot her the XXXX XXXX XXXX payment. I told her I was n't sure I should do anything like that. She said she would have to contact her Manager because she shows a code 16 and the payment is not showing that she sees. I then called customer service back and spoke with XXXX XXXX and he told me we actually made two payments of {$100.00} for XX/XX/XXXX that went through fine from he sees. I then requested to speak with a supervisor. I also explained to XXXX XXXX problems my wife and I have had in the past with this office. He apologized for our troubles. Somehow I got disconnected when XXXX XXXX transferred. I called back and spoke to XXXX who would not give me XXXX XXXX but said she could transfer me and transferred to a voicemail box with no greeting and I left a message assuming I had the supervisor. She said, as did XXXX XXXX the supervisor 's name is XXXX XXXX. My wife called and as asked by XXXX ( at local office ) but was given her voicemail box and found that telling. Neither my wife or I have received a call back from the local office. It appears very obvious to us that I/we were being harassed deliberately by this office, as my loan is close to being paid off. As of this writing I have no heard back from the supervisor I requested a call back from. Having worked in as a customer service rep, I can say that I believe the above employees deadpanned my complaint to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX Bank of America # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX This short sale was started XXXX/XXXX/16 with Bank of America. XXXX of the homeowners is XXXX XXXX military. It was only sent to the XXXX department towards the end of XXXX. WHY? Why did Bank of America wait so long to place this loan in the correct department? 

In addition, Bank of America has told us that they will foreclose on an XXXX XXXX service member XXXX. They claimed they could not postpone the foreclosure sale date without a short sale approval. I spoke again with XXXX XXXX today, told him that this is an XXXX XXXX service member and it would be an SCRA violation to foreclose on this property. He said he could do nothing except tell the negotiator assigned, XXXX XXXX. 

Since when is a lender allowed to foreclose on an XXXX XXXX service member XXXX?? 

Thirdly, we are not able to contact the negotiator directly. The information given in equator is invalid, and we have no way of reaching them by phone.

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 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Diversified Adjustment Services Inc. attempted to call and collect a charged-off debt from XXXX. I requested that they cease from calling me as this debt has been disputed with previous collection agencies and XXXX failed to respond to those disputes request. I asked the representative from Diversified Adjustment to remove my number from the calling list and to not call me again. He then became very rude and said that they were going to get there money. They then stated that the bill was not going to go away even though I disputed this with XXXX and they did not respond. I made a second request for the collection agency not to call me and he then stated that a verbal request to not call me was not good enough. I then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Debt collection (I do not know) with ERC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: To whom it may concern : Hello i checked my XXXX XXXX account Sat XX/XX/XXXX at XXXX and found out this debt was on my credit report in collection from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX number XXXX in the amount of {$200.00} date opened XX/XX/XXXX. Also it said original creditor XXXX XXXX XXXX and not once do i know of this account they never one time called or sent me a bill or letter explaining i owe a bill or if you do n't pay it will be on your credit report neither company. This is a problem for me .They just put it on my credit report without prior notice about anything. And this is what i would like to happen, is for it to be removed from all 3 credit bureaus and an apology letter from both companies saying this will be removed from my credit report and both companies to pay for my credit score being lowered because of their mistake in the amount of {$5000.00} each. They should not get away with affecting my credit score and they never once sent me a bill or letter i do n't know who or what this account is at all. I have no knowledge of this account. Thanks for your 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 07/14/2015 about Debt collection (Medical) with Aargon Agency, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a debt that resulted from a ride in an ambulance from a hit and run that I did n't authorize. I was grazed by a car but was fine. The ambulance drivers, instead of just checking me out on the scene, handcuffed me to the ambulance and drove me to the hospital where I was checked out and released an hour later with nothing wrong with me. This is how the over XXXX in collections have occurred on my credit report which has jeopardized my ability to get a home loan at the best rate. i have even offered to pay half and share the expense ( even though I should not owe anything ) and was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On the weekend of XX/XX/XXXX money was transferred without my knowledge or consent from my credit card account into my checking account which then was withdrawn. I contacted wellsfargo on XX/XX/XXXX and had to file the claim 3 times because they kept telling me that nothing was reported to them. Then I received a letter from WellsFargo stating that they can't send money from my checking into my credit card because I don't have enough to cover the amount. The reason being is because the money was taken out! They won't remove any of the fees or return any of the money. The amount was close to {$1000.00}

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 03/24/2017 about Consumer Loan (Installment loan) with Merchants Acceptance Corp (OK).
Issue: Managing the loan or lease

Complaint: - Received 4 or 5 phone calls, one after the other, after XXXX on a Saturday, after we asked them to stop calling at that time so we could get our kids to sleep - Called me at my job after asking them not to - Harrassed and cussed at my husband after XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Opening Experian and XXXX XXXX, I had several credit based questions. 
Mainly about a mortgage I Oobtained from a bank that ( I am obviously answering this question incorrectly. In addition to a phone number ... 
I appreciate the security, but I am amazed, that I am unable to obtain my information, about myself..and possible errors created fictiously. 
There is an apparent glitch in this program when it is not programmed to adjust questions accordingly.. I would appreciate any help to freeze my accounts due to the refusal of allowing ME access to MY accounts.. I would like to obtain XXXX credit reports for free Also. I noticed that a credit report advertised, is XXXX. I thought they were free.. 
Please & elp me out here, I appreciate your helpfulness.

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 06/14/2016 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I purchased a Chanel Purse for my daughter on XXXX/XXXX/16 for the amount of {$470.00}. On XXXX/XXXX/16 I contacted E-Bay and Pay Pal to notify them that the purse was a replica, my instructions from Pay Pal was to ship it back to the seller because I could not understand the hand written address from the seller. Pay Pal emailed me the sellers address to the email I had at the time. I changed my email on XXXX/XXXX/16 and they failed to confirm the address with me so it appeared i missed 10 day grace period deadline. I mentioned to XXXX that I was not able to provide the tracking number for the shipping because USPS does not provide one. On XXXX/XXXX/16 i was not aware the appeal was denied until I had shipped the purse to the seller to XXXX. It was returned by the seller who refused to accept it. We received the purse on XX/XX/2016.We called our bank and they refused to help us because we missed the 60 day grace period. On XXXX/XXXX/16 I spoke to XXXX ( Manager Dispute Dept. ) where he finalized his decision not to reimburse me due to lack of communication and not meeting the deadline ( I feel l that we would have not missed the deadlines had they sent the to my correct email address ) so he closed the case. I explained to XXXX that i am short {$470.00} plus shipping. I was not told that i had a deadline until i received the email at my correct email which had been too late. 
( Shipping was {$58.00} which I was credited only {$20.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Prepaid card (Other special purpose card) with First Data Corporation (IN).
Issue: Fraud or scam

Complaint: Money NEt work, First Data, was given my money by XXXX XXXX, based in Texas ( child support ) when i received the second card as first expired ... Iwas not able to activate. They verified all my information but said they needed a picture id. i faxed and mailed the picture Id Each time they said it was not legible. So for 18 months i have not been able to access my money. There is over XXXX, and they are taking monthly fees out. I do not know what the amount is that is on the card, and XXXX will not help me. I have sent letters certified and have gotten them back unsighed and un opened. undelievered. They are located in XXXX, and XXXX locations are in XXXX. The post office consumer affairs have tried to help but to no avail. I have employed a lawyer but that has illicited no response. In addition, I have filed a complaint with FTC, and compliants with the BBB in XXXX states. I have kept copies of all the correcspondence, receipts, etc and notes. I would like your assistance in this matter to get the full amount which would include the monthly fees. thanks.

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