milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Closing on a mortgage

Complaint: Wells Fargo Home Mortgage has yet to provide me anything documented by law that states on an all California All Purpose Certificate Of Acknowledgement that some notary as stated by wells fargo home mortgage can sign my name and say on there documented ( IPERSONALLY APPEARED BEFORE THEM ) HOW IS IT WELLS FARGO MORTGAGE CAN SAY OR THE NOTARY SAY I APPEARED BUT ITS NOT MY SIGNATURE ON THE DOCUMENT. 
Wells fargo home mortgage has yet to provide me anything legally by California law that states any one can sign an document that states I personally appeared and what law in the state of California gives wells fargo   the right not to let me see or no why corrections agreement & power of attorney was made with out my consent or knowing. 
All wells fargo keep responding back saying with out any documented proof of the law that states that there notary can sign for me as me and say I appeared. wells fargo home mortgage has yet to address the issue they keep talking or responding back to not the real legal issue.

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 02-12-2018 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: COMMONWEALTH FINANCIAL SYSTEMS placed me in collections with no notice, letter, or phone call on XX/XX/XXXX for a medical debt that someone opened under my behalf in XX/XX/XXXX. This debt did not belong to me and I provided the company with the fraud affidavit and they removed the Collection from my credit report and closed the account. I spoke to a representative from the company in early XX/XX/XXXX which also confirmed this. This company is now criminally diminishing my credit after they were given all the documents needed and after they agreed to close the fraudulent Account. I now want consumer finance to step in and the Federal government to investigate this company. There is misconduct going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AllianceOne Receivables Management , Inc. is attempting to collect a debt that is erroneous and not owed. I have filed numerous complaints with the CFPB on this issue before, but it continues to be an ongoing issue, with several debt collectors involved. In numerous exchanges with XXXX and several debt collection agencies, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. All debt collection agencies, including XXXX ( XXXX ), XXXX, XXXX, and XXXX have dropped the debt. XXXX has pursued this debt on two separate occasions, and in both cases, has dropped the debt. The evidence my attorney and I have amassed demonstrating fraud, negligence, and incompetence on the part of the XXXX is considerable. AllianceOne Receivables Management XXXX Inc. is now in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XXXX would be barred by the statute of limitations under California Code of Civil Procedure sec 338. AllianceOnce Receivables Management , Inc. is aware of this fact and is acting tortiously and harassing me. See City of XXXX vs XXXX, XXXX. Court of Appeal 2nd District. There is a 3 year statute of limitations. I strongly urge the FTC and CFPB to investigate AllianceOne Receivables Management , Inc 's debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX   XXXX  will not give me credit for equipment and payment. They continue to keep reporting that I owe them and I do n't. I paid them and returned equipment  XXXX   XXXX ,  2014

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On or about XX/XX/2018 I reported a error to XXXX. They started a dispute and said they could not remove the report and had to do it manually stil no answer. I called Regions and had a letter in my hand within a week.

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 03/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 'm a victim of identity theft someone opened up a lot of account in my name and now I 'm getting ready to buy a house I 'm seeing all these things on my report this is killing me it 's not fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX, CA XXXX PHONE XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROL or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX which is XXXX of those credit bureau is practicing unethical business example. They have also failed to provide copies of form of ID used for opening such service from this so-called shady collection agency. I Sent out debt verification request ( XXXX, {$530.00}, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX ) to the shady collection agency " XXXX XXXX XXXX XXXX They have failed to provide such proof within the 30 days of timeframe, then again, it makes seem like this wrong charge has been sold out by another shady branch of theirs collection agency called ( " RESURGENT CAP '' XXXX XXXX XXXX # XXXX, XXXX XXXX SC XXXX ( XXXX ) XXXX ) Both Transunion and those bogus and shady collection agency have failed to provide debt verification and keep posting wrong charge information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It is unbelievable that XXXX waited so many days to acknowledge and make consumers aware that their security had been breached and the information of millions of people, info they have no control over nor say in most cases without paying them, was stolen. Lest anyone be confused, it took them a considerable amoutn of time to even realize their security had been breached. XXXX 's lack of a meaningful initial response, unpreparedness for dealing with the problem and having meaningful solutions with a week to prepare before letting people know, and a horrible website that was confusing, lacking credible and usable information, and had an ID theft checker that sent everyone to another confusing page that said you had to wait to sign up, whether or not you used a real name or random six numbers.
This is completely unfathomable, and as a corporation and " individual '', as recognized by the courts, publicly and socially irresponsible, and put us in danger of damages, both financially and physically, that could result from the release of the stolen information, the delayed public response, and incomplete measures and solutions XXXX offered consumers to deal with the breach. 

Now I, and my fellow Americans, have another headache -- or possibly numerous if the information is used to file a false tax return, charge items on credit cards or drain bank accounts -- to deal with.

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 11/29/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (NJ).
Issue: Other transaction problem

Complaint: On XXXX XXXX, 2017 I went to Western Union to send money to a family member in XXXX for the urgent payment of school/exam fees. The intended recipient went to a location of Western Union in XXXX to collect the funds, but the payment was denied saying : " The payment was on hold ''. 

I immediately called Western Union from my home office and they requested to call me on the phone number that they had on file for me ; which I gave them the go ahead to do. Having called me ; all I was told is that Western Union has denied the transfer and that I will be refunded my money. I asked again for an explanation and the person I spoke to had nothing to say to me except that Western Union had denied transferring the money. 

Since I am a law abiding citizen of the United States, and that Western Union is accepting transactions from other resident aliens and citizens, I am of the opinion that I have been discriminated against. They have without any grounds refused to carry through with the service I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (OH).
Issue: Application, originator, mortgage broker

Complaint: My husband and I applied for a mortgage refi loan through Loan Depot and subsequently was approved. We decided to move forward with the process being told it would take XXXX - XXXX days. A XXXX XXXX XXXX was executed by both parties on XX/XX/2016 and subsequent appraisal on XX/XX/2016. It was disclosed that our rate would be in effect for XXXX days. We were contacted on XX/XX/2016 by a Loan Depot representative ( XXXX ) stating that if the loan did not close within the 45 days, our original rate offer would be extended. On XX/XX/2016 we received another communication ( email ) from XXXX stating that our lock rate had expired and we would have to obtain a new rate. I called Loan Depot to inquire about the issue today ( XX/XX/2016 ) and was told that delay in closing was due to delays in processing by Loan Depot, but Loan Depot was not in a position to honor our original rate as they could incur significant losses. 

It is my opinion that my husband and I are a victim of predatory lending practices and were purposely deceived by Loan Depot by their obvious delay the processing and closing of our loan. This delay was a deceptive ploy on the part of Loan Depot that resulted in the Rate Lock Agreement to expire thereby forcing us to renegotiate the terms of the loan which are no longer advantageous to consumers because of the recent increase in Mortgage Interest Rates. This is a direct violation of the Dodd-Frank Act. Loan Depot has the responsibility as a licensed mortgage lender to be truthful in their lending practices and not take advantage of consumers. Our desired outcome is for Loan Depot to honor the original rate agreement which will allow us to proceed with the mortgage loan application. I am also concerned that because of this complaint filing Loan Depot will manufacture a reason to reverse their decision to approve our loan application and decline us because we refuse to renegotiate new terms or cancel our application. It is our intent to also notify the media and XXXX Attorney General of XXXX regarding this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are three ( 3 ) recent inquiries ( XXXX XXXX XXXX, XXXX. - XX/XX/XXXX ; XXXX XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ) that were not authorized by me or permissible in accordance with the Fair Credit Reporting Act, Section 604. Additionally, my credit file has been breached according to Equifax 's very own records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Debt collection (Medical) with Valley Credit Service, Inc. (OR) (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Valley Credit services, has reported, on my XXXX credit report, a collection account for an alleged debt. I contacted the agency today at XXXX, I spoke with XXXX , whom failed to disclose communication was attempt to collect a debt ever during the phone call. I obtained a recording of the call as proof of the violation to my consumer rights. The agent also informed me the account has been sold to another collection agency, since I live in that state of Texas. Under Section 392.101 of the Texas Finance Code laws a third-party debt collector or credit bureau is prohibited from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. According to the Texas Secretary of State, Valley Credit Service does not have a bond filed in the state of Texas therefore are not bonded to collect in the state of Texas. The account is reporting as open on my credit file, as well as showing an updated date for the balance they are currently trying to collect on. So this account is now being collected by XXXX separate collection agencies, and XXXX showing as open, and current on my credit report, which again is a violation to my consumer rights. I sent Valley Credit a certified letter with a tracking number, requesting validation of the alleged debt, which they received XX/XX/XXXX. I never received validation, or a response of any kind from the agency. I then disputed the account with the XXXX Credit bureau, on XX/XX/XXXX, the account came back as verified and accurate, on XX/XX/XXXX. Again, Verifying not only false information to my credit file but the account in general, with the Credit bureau, before sending me, the consumer validation of the account is violating my rights. Valley Credit not only failed to conduct a reasonable investigation, but clearly has a blatant disregard for my legal rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Debt collection (Credit card) with Persolve, LLC - Legal - Series 2 (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I first learned of a lawsuit against me on XXXX XXXX, XXXX from a collection company called Persolve LLC when the payroll department of the company I work for sent me a notification of wage garnishment for XXXX %. I reviewed the documents sent to me by my payroll department and found out I had a lawsuit against me first filed on XXXX XXXX, XXXX with proof of service of summons on XXXX XXXX, XXXX, dismissed on XXXX XXXX, XXXX then a judgement on XXXX XXXX, XXXX and writ of execution on XXXX XXXX, XXXX. I was never notified of the lawsuit, notified of the serving, notified of the judgement or wage garnishment. The original debt was from a $ XXXX credit card that went into default in XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX that Persolve LLC bought and turned into $ XXXX debt with an interest rate of over {$4.00} per day. Persolve LLC is not the original debtor and never served me or notified me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX merged my account with a woman who has almost the same name as me and she opened a auto loan that is showing up 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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX breach have ruined me please have them remove the inaccurate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been asking my service mortgage provider to show me proof of monies distributed for servicing this morgage after a modification was agreed upon. Now they are trying to collect on this money even after i agreed to {$32.00} in interest and other fees. I am disputing XXXX and additional {$730.00}. Totaling {$3600.00}. i have been asking them for proof of this since XX/XX/2015. I am still waiting till this day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit card () with PAYPAL HOLDINGS INC. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Pay pal credit pulled my XXXX credit history without my authorization as I did not give them my FULL SSN #. And I was not realized that this is a credit card application as they do not have explicit language explaining that and that they will pull my credit history. And they bond the paypal credit application together with paypal account creation without having me notice that I am applying this paypal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I made my monthly mortgage payment ( due XX/XX/2015 ) to LoanCare ( XXXX XXXX ) on XX/XX/2015. I have a pdf of the bank statement showing this was sent ( provided to LoanCare ). The bank showed they did not cash the check so I had it resent. I asked them to remove the late charge from my account as I did send my monthly payment. 
LoanCare replied on XX/XX/2015 From : XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX Sent : Wednesday, XXXX XXXX, 2015 XXXX XXXXSubject : RE : Delinquent Notice in Error ( XXXX ) Reference number : XXXX Please use this ticket number in any correspondence with us. 
Subject : Delinquent Notice in ErrorDear Valued Customer, Thank you for contacting us. 
Our records indicate your mortgage payment was posted to your account on XXXX and was backdate to the date received on XXXX/XXXX/2015. Also the late charged of XXXX was waived off your account on XXXX/XXXX/2015. Please allow more time for your XXXX payment to post to your account. 
Please feel free to contact us if you have any additional questions. 
Sincerely, Customer SupportXXXX XXXX, VA XXXXOn XX/XX/2015 I received a mailed letter dated XX/XX/2015 that I owed a {$25.00} returned check fee. I emailed them on XX/XX/2015 and XX/XX/2015 ( as they had n't responded ) the following : From : XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; To : XXXX XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX & gt ; Sent : Saturday, XXXX XXXX, 2015 XXXX XXXXSubject : Re : Delinquent Notice in Error ( XXXX ) Customer Support, I am now receiving a bill from you for a {$25.00} returned check fee ( letter dated XX/XX/2015 ). I do not understand why I am receiving this. You sent me a notice stating you never received my original payment. I had the bank cancel that check and reissue the same payment. You sent me the note below that the late charge was waived and now you are charging me a returned check fee. This is all due to your inability to cash a check you had for almost three weeks and sent me notices stating you never received it. Please remove this returned check fee from my account. 

Thanks, XXXXTo date, I 've received no response from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (CO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company keeps calling for XXXX XXXX and XXXX XXXX XXXX XXXX. This is not either of them and I have told them that.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation