milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2015 about Debt collection (I do not know) with The Thomas Agency, Inc. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Thomas Agency regularly call my mobile phone and appear as an " Unknown Caller '', regardless of whether I answer or let it go to voice mail, the " caller '' is not a human and asks for someone I have never heard of before. The mobile number was obviously reassigned, but I can not make The Thomas Agency remove my number and stop calling me. I even called their office and spoke to someone who assured me they would remove my number ; I just received another call. There is no means I have found to remove my mobile number from their automated system, and the harassment continues. I ca n't even block them from my iPhone because their calls do not display Caller ID information to act upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (I do not know) with Assured Financial Partners (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: this number repeatedly calls my place of employment and threatens me that they are going to serve me papers at my work if I do n't call them, that does n't make any sense to me, since I do n't know what it is about and people do n't call you to warn you that they are going to serve you papers, they just do it ... ... ... ..so this is really bothering me. he is very rude and says his name is   XXXX   XXXX   or something like that and gives a phony court case, which is n't true, not sure what this is all about.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I made weekly payments to credit card even before the due date yet interest and late fees applied to my account on numerous occasions-see attachments Additionally {$1200.00} never refunded by XXXX XXXX XXXX instead they created another late fee of {$530.00} after I requested to close my account-see file XX/XX/XXXX Now they do admit to a refund but only of $ XXXX-see file XX/XX/XXXX after applying late fees and interest Every time I called a XXXX/Rep mentioned that it takes 6/8 weeks to process yet its only been three months and still waiting for refund

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Approximately XX/XX/XXXX, I contacted Equifax to correct my account as I am a non resident of XXXX and hence, I do not own SSN or ITIN. My XXXX SIN is reported in the system and for my most explanation, it looks identical to ITIN and it should not be there!! 
I offered them copies of my XXXX documents to prove so they 'd correct my file, however, this is getting no where as I am transferred back and forth. I know for a fact is that they do credit reporting, they HAVE to CORRECT any improper information under reviews rather than turning customers away.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX ( XXXX XXXX XXXX ) continues to report two obsolete credit card accounts. The XXXX XXXX XXXX ( XXXX XXXX ) credit card is account number XXXX and XXXX XXXX XXXX Credit Card ( XXXX ) XXXX. <P/>Both of these XXXX XXXX XXXX accounts should have been removed in XX/XX/XXXX and XX/XX/XXXX. I am attaching a credit report from both Experian ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) Both reports show the removal date for both of these credit card accounts as XXXX. <P/>The removal dates derives from information the creditor furnished to the credit bureaus as being the first date of major default. <P/>Both charged off accounts have been have been sold to numerous collection agencies in the past 4-5 years. It appears the accounts are listed again with XXXX XXXX XXXX with brand new dates for expiring - from XX/XX/XXXX to XX/XX/XXXX. <P/>I recently disputed both tradelines with XXXX. The creditor verified the accounts and stated the date of default is in XX/XX/XXXX. XXXX XXXX XXXX has furnished the date of default as occurring in XX/XX/XXXX to Experian - causing a removal date in XX/XX/XXXX!! <P/>I am asking that both of these tradelines be deleted from 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 10/25/2017 about Debt collection (Credit card debt) with Crown Asset Management, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter datedXX/XX/XXXX from XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX in behalf of Crown Asset ManagemenXXXX requesting payment on an alleged debt. On XX/XX/XXXX, I sent them a letter requesting that they validate the alleged debt. However, I never received any response from them. 
I then started to receive advertisement mail from different law offices informing that Crown Asset Management has filed a lawsuit against me onXX/XX/XXXX. I then checked the court system, and saw that they had a court hearing set for XX/XX/XXXX. OnXX/XX/XXXX an attempt to serve the summons to a random address was made when the summons had my correct address. 
On XX/XX/XXXX, I still went to court to avoid any confusions or a default judgement ; however, no one was there, and the Judge advised me to leave after seeing the attempt they made to serve me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR).
Issue: Other transaction issues

Complaint: On XXXX/XXXX/16, I sent {$760.00} via MoneyGram. The receiver rejected the funds and they were returned to MoneyGram. As of today, MoneyGram has failed to return the funds to me and everytime I contact them I receive a different story. I have asked to speak with someone in charge that can make decisions and I am told there is no one to speak with. MoneyGram has been holding onto money that is rightfully mine for over 10 days. The money needs to be returned along with the fee I was charged for sending it. This issue has taken me away from my job for 2 days trying to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (GA).
Issue: Making/receiving payments, sending money

Complaint: After paying our car loan with Well fargo Dealer Service XXXX CA for the month of XXXX XXXX we receive a call that stated that our payment was still outstanding because they had applied some insurance to our auto loan. We explained to the representative that we have always carried ins with XXXX XXXX without lapses. She state it was a easy fix and for us to call the insurance company to have them send over proof of insurance which we did the same day and call back the next day to be sure it was taken care of. The rep assure us that all the charges would be remove. and because this was an error it would not be reported on our credit ( This was very important because we were in process of getting a home loan and needed our credit to remain constant ). However, on XXXX XXXX XXXX we find that Well Fargo have placed a 30 day late report on our credit that caused our credit to fall XXXX points and our chance for the American Home Dream to slip away. When we called to ask what happen to this very simple correction they gave us several excuses and apologize only to say it would take them 30 to 45 days to correct after we submit a written dispute, again prove ins, send copies of credit reports and show credit when down before they would take this off of our credit reports. We have fought very hard to restore our credit and have waited 7 years after a forclosure to bring up our credit and to be able to buy a home again, only to have a big bank come along and wipe out our chances without concern for their error or the detriment that it cause hard working, bill paying American families. Any help you can offer in expediting this credit restoration would be very appreciated Thank you in advance for your assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ga -- XXXX XXXX acct # XXXX Fax 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 non-monetary relief
Consumer complaint received 05/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For the past 8 months I have tried to have fraudulent information that was once removed from my credit readded by Transunion. I have supplied them with a valid police report that was stamped and signed by the police office and to date they have done nothing but ignore me. 
The fraudulent accounts that were once removed and re-added to my credit are as follows XXXX XXXX XXXX XXXX XXXX Tax Lien ref # XXXX judgment ref # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a collection agency notice to collect a toll I do not owe. If I had owed it, I would have receive a notice from the State of Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Bank account or service (Checking account) with PNC Bank N.A. (NC).
Issue: Account opening, closing, or management

Complaint: I opened a checking account at PNC bank, and decided the bank was n't a good fit for me. I ca n't close the account without incurring a {$25.00} account closure fee.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I sent my reduced property tax bill to Roundpoint Mortgage Servicing company via email. I called them a few days later to make sure they received the information, and to learn what my new payment would be. The young man on the phone could not give me that information, but told me they would run a new analysis in XXXX. I told him that was not acceptable, so he agree to run a new XXXX by XXXX XXXX. The company did so, but used the old property tax information rather than the new XXXX. My original summer tax bill was {$4200.00}. The new XXXX is {$2300.00}. My new payment shows an increase of {$35.00} per month, using the wrong property tax information. I have contacted Roundpoint again, but not heard from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Medical debt) with Simon’s Agency, Inc (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: 6 attempts in writing as well as notarized letters have been made to Simon Agency to provide validation for items that they are reporting on my credit report. This has been going on since XXXX. The Simon Agency has ignored my requests for validation and continue to report incorrect and false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get my home sold in a short sale. On XXXX XXXX, the bank came back with a counter offer and said it needed to be accepted by XXXX XXXX or the file would be closed out due to an upcoming sale date in XXXX. The buyers accepted the offer within an hour of the phone call from the bank. My attorney called the bank immediately to let them know it was accepted. The person assigned to my file ( XXXX ) was not available, they spoke with the single point of contact ( XXXX ) who was rude but said she would send a message to XXXX letting her know it was being accepted. She said my attorney needed to email or fax the new offer, HUD and proof of funds. My attorney immediately emailed it. My attorney called back later that day and they said it was not uploaded yet, they were advised to try again tomorrow. My attorney called back the following day ( the last day to accept the offer ), once again XXXX was not available, the person at RCS said the documents were still not uploaded. The representative at the bank sent XXXX another message advising her that the buyer had accepted the offer and my attorney emailed the documents again and faxed them as well. My attorney called back the following day, once again XXXX was not available, the person at RCS said the documents were still not uploaded. The bank representative sent XXXX another message advising her that the docs had been sent and the offer accepted. The same thing happened the following day. Today, my attorney called back and they were told that the file had been closed out due to the buyer not accepting the offer. RCS has continuously mismanaged my file and it appears they are intentionally ignoring the fact that the offer was accepted in the time frame required. My consumer rights are being violated by RCS. Please have RCS cancel the auction scheduled for XXXX XXXX as holding the auction would be an extreme show of bad faith by RCS and a violation of my consumer rights.

Company response to consumer: Closed
Consumer complaint received 06-12-2016 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (IA).
Issue: Problems when you are unable to pay

Complaint: universal acceptance corporation was asked not too call my references they were calling them because i had a bill with them and they kept calling them i have filed a complaint here befor and they agreed not to call but the calling has not stoped and my references have asked them to stop and they keep calling them

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: I have been trying for over two months to close an online savings account my late mother had with Capital One. By way of letter dated XXXX XXXX, 2015, I sent the bank a letter of instruction, along with an official death certificate and an original court -issued letters of administration. I received the originals back, along with a letter from the bank dated XXXX XXXX, 2015, indicating the information was being forwarded for remaining account settlement. After waiting a month, I called Capital One, and was told the department handling the account had no record of receiving my information. By letter dated XXXX XXXX, 2015, I once again submitted a letter of instruction, which included a recounting of the above information, and my extreme displeasure with how Capital One had handled the matter to date, along with the XXXX original documents, and waited again. I called today, after waiting yet another month, and was told these amazing things : that they needed a notarized letter of instruction from me, a " requirement '' heretofore never relayed to me, ever, and, that they had tried to reach me by phone without success, a particularly remarkable bit of fiction, considering I provided my correct phone number in my correspondence, and have never received a call from Capital One. Unbelievably bad customer service. I provided an email mail address as well to them in my letters ... nothing received from them of course. Now I must, for the third time, draft a letter to them, have it notarized, and send it off. Perhaps the third time will be the charm. I am so happy I do not bank with Capital One. They do n't seem to understand the money they get to use and manage does not belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Delinquent account

Complaint: I transferred a balance to Chase Slate in the amount of {$1000.00} and chose to enroll in autopay from there website. After receiving confirmation that the auto pay was accepted i then found out that, due to data entry on the credit card company 's, part they did not accept my bank account number. They called me and told me there was a problem with the auto pay and my bank account was not accepted. They then told me to go back online and reconfirm that the data was correct. After i confirmed that my information was correct and paid the minimum amount due, the next month i received a statement telling me that only the minimum amount was due in the amount of {$30.00}. I then, at the same month and time frame received a recorded phone call from the company telling me i am delinquent on my account. When i called to inquire about the situation they told me again that my bank account was not accepted, that i was over the limit and also three months behind on my payments. 

I once again whet online to only confirm once again that my information was correct. I aslo confirmed that they discontinued my card and reported me for late payment to the three major credit report agencies. 

Also, after i paid the late amount and total amount due that was behind, the next day i was informed by the auto phone with the company that i was still late. When i asked and inquired if they reported me for no fault of my own, the response was they were having problems with there computer system. 

I would like to report three accounts of fraud : 1. Sending a false or inaccurate monthly statement that stated only the minimum amount was due when they then informed me that i was three months in the rears. 
2. Reporting me to the credit report agencies for late payment when they admitted they were having problems with there computer system and the error was clearly on their part. 
3. Misuse of personnel information : my bank account number and intentional data entry error and/or gross negligence, in attempt to collect more money by falsifying the amount do with the intention to collect more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I 'm submitting a complaint against all XXXX bureaus ( individually ) due to the failure to investigate and process my disputes. I have notified them that the information that they are reporting on my file is not correct and I have yet to see more than XXXX updates in the past 5 months. This is absolutely ridiculous and they are a farce of a company just pulling in money for reporting inaccurate information. I require a full investigation and for the information that I have disputed with them to be processed, updated or removed within the 30 day time period or I will have no choice but to make a complaint with the Texas Attorney General as well as make a press release that details how they have failed to investigate my disputes.

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 04/29/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been paying this loan since 2008. My original balance was XXXX and 8 years later i owe XXXX with an 8.5 % interest. I can only afford XXXX a month, of that XXXX, XXXX goes to interest. American Education Services is the worst lender in the world. Refuse to talk to me and told me to get another job. How is this legal? They are getting away with ripping people off!

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Original company : XXXX XXXX XXXX {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: EQUIFAX since they seem to be in coots with this new fake company called XXXX XXXX XXXX. See complaint I filed with the Attorney General 's Office, XXXX XXXX. XXXX had a collections for XXXX on my EQUIFAX credit report. After disputing and proving that it is NOT a valid collections belonging to me it was removed. EQUIFAUX allowed it to be added back to a FAKE NON LICENSED collections company called XXXX XXXX XXXX.. I have reported both to the BBB and Equifax without relief.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm having a difficult time understanding how I can send physical proof that they are reporting these accounts inaccurately and illegally and nothing is done. I am also making complaints with the attorney general because this is absolute willful negligence on their behalf. I do n't care that they have to do XXXX disputes an hour ; that 's NOT my problem. They are required to do a full investigation and they do not even have the information in their files so because I am sending the proof that they are in violation, these items must be removed immediately. Refer to my credit report to see the way they are reporting this : US BKPT CT CA SACRAMEN XXXX The date " XX/XX/2009 '' has the wrong date and is NOT right The docket # XXXX is not correct You do not have the court listed correct : US BKPT CT is abbreviated and this is not accurate

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