milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/15/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Using a debit or ATM card

Complaint: I currently work for an XXXX. Months ago my card was hacked and it took almost two months for regions to rectify the situation. They sent me letters that miscalculated the costs which led me to believe they had not returned all the funds. In fact they had but their " specialist '' did not do his math calculation correctly. 

Thats right, an employee of a bank did n't add correctly. It gets worse. 

Now, as they send me a new card they stated in their letter that the pin of the card would stay the same. That did not happen. I tried to access my account with the new ATM card and it was denied. I call them up from XXXX and when I get to a person on the phone, probably a call center, the person on the phone informs me that XXXX has been " blacklisted '' by the United States government. He said that mean while I was living and working in XXXX I would never be able to access the card. I had to leave XXXX for it work. I was shocked because friends who work at the US Embassy and other friends had not heard of this. 

Why have they not heard of it? Because it was n't true!! 

The man straight lied or got misinformed by someone else saying the USG blacklisted XXXX. I called them back after checking the news to make sure I this man was inaccurate in saying that. I request a supervisor this time, someone who works at Regions directly, perhaps the previous man did not. I explain to her the situation and inform her of past information given to me. She apologizes and informs me I have to wait 5-7 business days for a letter that has my new pin # in it. 

So my complaint is based on important facts. Regions employees did not add the math correctly in the XXXX 2017 falsified transactions. Additionally, when it came time for me to access the card and my pin was rejected the person I contacted told me XXXX was " blacklisted '' by the United States government. That is a total and complete lie given to me about not accessing my money in Regions bank and it was the spread of misinformation which is not only complaint worthy, it is also worthy of legal proceedings against Regional Financial Corporation.

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 05/31/2017 about Debt collection (I do not know) with KelKris Associates Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have tried to validate this de bt, 3 se perate times. No one will send me validation of this debt, I tried to call the company  XXXX  Bank that initially held this debt and they said they have nothing on file for me. Neither the credit bureaus nor the creditor has sent me any proof of this account. Not only that, but the initial creditor told me they held no debt for me. I am not getting anything resolved with the credit bureaus nor the creditor and they are violating my rights by not verifying/validating the debt in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WY).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint is regarding my mortgage loan, and my unsuccessful attempts to achieve a loan modification or a short negotiated pay-off. 
Since the origination of my mortgage with XXXX, there have been several transfers, both in the owner/certificate holders, as well as the servicers. A securitization audit was completed, to find the current owner of the mortgage. After the dissection of the securitization audit, it was discovered that XXXX did not follow the proper chain of title. 
The loan originated on XX/XX/XXXX. The XXXX for assets to be transferred to XXXX XX/XX/XXXX XXXX, was XX/XX/XXXX. According to courthouse documents, the transfer took place on XX/XX/XXXX, in XXXX, New York. The assignment misses the cut-off date by XXXX years. 
In addition, I was never notified by XXXX, that my mortgage is now owned by their certificate holders. It is my understanding, that by law/regulations which have been established by the government, I should have been notified by the new owner, within the first 30 days. It is by these same practices that XXXX and other banks were fined billions of dollars for the improper transfer of mortgages, and not following the proper chain of title. 
Below you will find an excerpt from a website which lists the guidelines required by the government. 
Transfer of Loan Ownership The ownership and servicing rights of your loan may be handled by XXXX company or XXXX. If ownership of your loan is transferred, the new owner must give you a notice that includes : the name, address and telephone number of the new owner of the loan the date the new owner takes possession of the loan the person who is authorized to receive legal notices and can resolve issues about loan payments where the transfer of ownership is recorded. 
The new owner must give you this notice within 30 days of taking possession of the loan. It is in addition to any notices you may get about the transfer of the servicing rights for your loan. www.consumer.ftc.gov/ ... XXXX Furthermore, upon one of my many inquiries to XXXX XXXX in my attempt to find the current lien holder, I was sent a document with a notice date of XX/XX/XXXX. The notice explained that effective XX/XX/XXXX, XXXX, would be the servicer of my mortgage. This is very strange, since I have never received correspondence from XXXX. This is yet another discrepancy which has taken place, which shows the lack of proper business etiquette and compliance/adherence to the established laws. 
At my request, from XX/XX/XXXX-XX/XX/XXXX, XXXX separate XXXX did extensive research with their XXXX. They could find no record of my mortgage which was associated with XXXX or in their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with Pinnacle Asset Management, LLC (NV).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: They are looking for someone else and my name is   XXXX   XXXX   XXXX    why do they keep calling me. I was in an ID IDENTYTHEFT 5 yrs ago. Why they keep calling me

Company response to consumer: Untimely response
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was told by XXXX that my employers was changed to XXXX. There are other companies that I never heard of. I have never worked for any other companies other than XXXX XXXX in XX/XX/XXXX. XXXX XXXX in XX/XX/XXXX, XXXX 's XXXX in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX TN. I once reported my addresses as XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TN XXXX. XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX,XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX TN,XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX. XXXX XXXX XXXX XXXX XXXX TN XXXX. The courts used XXXX XXXX XXXX. I filed bankruptcy in XX/XX/XXXX, the case number is XXXX. I notice XXXX XXXX XXXX was due to be removed XX/XX/XXXX. Even though the property at XXXX XXXX XXXX was foreclosed on. And is suppose to remain on your credit report for seven ten years after filing a chapter XXXX bankruptcy. The date was changed to reflect the date of purchase to XX/XX/XXXX. My original loan was with XXXX XXXX XXXX. The loan was transferred on XX/XX/XXXX to XXXX XXXX XXXX XXXX. I have a copy of my credit report when I filed bankruptcy. The address identification number for XXXX XXXX XXXX is XXXX. The last transaction reported to XXXX  was XX/XX/XXXX. XXXX listed all payments made to XXXX XXXX XXXX  XXXX, the date of the payments, the amounts from XX/XX/XXXX-XX/XX/XXXX. The property was sold in XX/XX/XXXX to Tennessee Housing Development Agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. The register of deeds Instrument number is XXXX. The property was sold on XX/XX/XXXX in the amount of {$18000.00}. The instrument number in the XXXX County Register office is 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 02-11-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Hello I am just asking how I can read some of the mortgage company 's response back you gave me a link but it will not let me see that link my complaint number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Submitted multiple sets of documentation to Shellpoint overXX/XX/XXXX and XX/XX/XXXXto have loan modified to comps in the area. XXXX XXXX FL homes were # 1 in areas hit hard in the real estate crash ofXX/XX/XXXX. They jerked us around for a year and claimed docs needed to be resubmitted. I want the late charges removed from this account. They falsely claimed docs were incomplete or not received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with Premier Portfolio Group (IA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Previously had filed a complaint through the CFPB ( case # XXXX XXXX. Premier Portfolio Group had finally after the deadline came back with this response : We dispute the claims presented in this complaint as our company does not practice beyond the guidelines of the FDCPA. Our company will close this account, and cease and desist all further communication with the consumer. 

Today XX/XX/18 received another voicemail from them threatening legal action. This is ridiculous. What is it going to take to get this company to stop what is obviously a scam. I believe I have enough now to take this case to the attorney general either in the state they are located or my own state 's attorney general. These people need to be stopped!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Since XXXX, XXXX attempts to validate this debt have been made, company refuses to validate

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 03-02-2017 about Debt collection (Medical) with Professional Medical Management, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have an old medical bill for {$680.00} and I contacted the collection agency and offered {$200.00} for a settlement. XXXX stated that the client will not that. She asked can I do 50 % which is {$340.00}. I told her I can not do that what about {$250.00} she said she will submit that and get back to me. XXXX called me back on XX/XX/XXXX, and told me the client will not accept anything less than {$400.00}. I advised that is not acceptable this is 7 years old as of XX/XX/XXXX I can just wait till it fall off.

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 05/17/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company has been calling my florida cell phone number multiple times per day, against state calling laws, despite me warning them previously. Just for example, I have received more th an one ca ll per day from  XXXX   XXXX  every day with the exception of the  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (TX).
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: I currently have two auto leases with TFS. Due to a XXXX of my father, I had to change the way the payment was drafted. Once this change was made, they began applying payments to my XXXX, when they were intended for the XXXX. The XXXX ended up have multiple 30-day late reports on my credit. Backup information was supplied to TFS.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Medical) with Herbert P. Sears Co., Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: HP Sears has not followed the correct procedures for validating a debt. I believe but can not verify that they are attempting to collect for an alleged dentist bill that was supposed to be paid by my insurance. The dentist office may have improperly billed my insurance. The dentist office told me they were working on correcting the account and then ironically HP Sears shows up on my credit. I contacted them and they would not validate that it is the dentist bill. I have requested a detailed accounting of the bill but they will not give it to me. Since they refuse to validate the debt they can not report it until I can see what it is for. IF IT IS for the dentist my insurance was supposed to be billed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: TO WHOM IT MAY CONCERN : There is a major discrepancy in the amounts alleged owed on the rescinded mortgage loan. 
We are writing to request Caliber Home Loans provide us with a Payoff Statement pursuant to XXXX XXXX XXXX XXXX c ) ( XXXX ). 

" PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. " Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Other debt) with WELLS FARGO & COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Initial contact XXXX XXXX XXXX, an employee of XXXX XXXX contacted me regarding an account they are trying to collect on. I advised the employee said account has already been paid to a different collection agency. She advised there was no proof of payment and they had acquired the account now. I requested information from her such as company name, company address, and/or name of lawyer she was working with. She advised she could not tell me bc the lawyer would be interrupted with unnecessary calls and disturbances. She advised that she was a mitigator and I told her I understood that but needed to know that they were not scamming me. She gave me 48 hours to find proof of payment or they would be serving me for court and will be getting sued. 
XXXX XXXX, XXXX I sent an email to the employee with attachments of a bank statement and email from INITIAL collection agency we had paid showing credit card confirmation numbers as well. I called the employee to confirm email was received but she advised me that her secretary needed to go through the emails and have it forwarded to her ; she could not confirm right away. One week later XXXX XXXX XXXX I receive a call from same employee stating she did not receive email. The same email I initially sent was re-sent XXXX XXXX XXXX and again XXXX XXXX XXXX. I attempted to call the employee to confirm receipt of email but was unsuccessful. 
XXXX XXXX XXXX I received a call from a different employee advising that they still had no proof of payment on account and advised me to fax the information. XXXX XXXX XXXX I faxed same forms, as advised, and obtained proof of fax transmittal. That same day XXXX XXXX XXXX I called this employee to confirm she had received fax and she advised me her secretary had to sort through faxes and once she received it she would call me. XXXX XXXX I receive a call once more where the employee advised she did not receive email. I advised her she requested a fax which is what I sent and she corrected herself and advised fax was not received because the fax machine must be broken. I advised her I was given the same response by prior employee and this needed to get resolved because I have proof of payment. She advised I can text image of forms I have showing proof and gave me the same email address I have been emailing from the beginning. 
XXXX XXXX XXXX I submitted via text and email once more information they are requesting. To this date XXXX XXXX XXXX, I have no proof from them as to who they are, what company owns this 'debt ', and no written letter from them to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Fraud or scam

Complaint: My son found a car on XXXX and contacted a lady by the name of XXXX XXXX and we were sent pictures of car. We then contacted her again and decided to buy the car. She is in the service and we informed that the military would be sending the car to us because she was going XXXX again. The money was transferred to an XXXX agent in Tennessee and once the money was received we contacted them again. We have not heard from them since nor will they return phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The reason for me filing this complaint with your agency is due to Experian credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with Experian against XXXX XXXX XXXX and XXXX XXXX companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting Experian credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not 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 non-monetary relief
Consumer complaint received 11/20/2017 about Debt collection (Other debt) with Penn Credit Corporation (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX 2017, I contacted Penn Credit Corp via certified US mail requesting verification of a debt appearing on all three of my credit reports. I never received any form of verification of the debt from Penn Credit. In XX/XX/XXXX /XX/XX/XXXX the account was removed from my credit reports. Sometime in the first weeks of XX/XX/XXXX Penn Credit Corp again placed this unverified account on my XXXX and XXXX credit report. I received no form of written notice to notify me that the account would be again reporting on my credit. Penn Credit is not following the rules and laws set forth by the FCRA. This disregard of the law has negatively impacted my credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX sold my loan to XXXX who sold to XXXX. BK was filed w/ XXXX so should never have sold. Experian is reporting it as a foreclosure and not bankruptcy status ( see attachments ).

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 09-03-2017 about Debt collection (I do not know) with GOLD KEY CREDIT, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A collection agency under the name " GoldKey Credit '' has reported a " past due '' debt of {$1300.00} on my credit report and is refusing to provide me with validation that I owe them this money. The account number on my report is # XXXX. I do not have any unpaid debts with this company as I have never done business with them. I mailed a request for verification on XXXX XXXX, XXXX and to this date, I have not received a detailed explanation explaining what this money is for. It is now XXXX XXXX, XXXX. I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The Better Business Bureau currently has a 80 % negative review rating and XXXX has countless stories of being involved in scam efforts. I will not give any money to a company with such a shady background that refuses to explain what they are charging this money for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief