milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Debt collection (Credit card debt) with Atlantic Credit & Finance, Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have never received any notice from any court with regard to any account. I requested from plaintiff proof of my signature on their application, but they have not provided me with any information, instead they are asking me for my personal information, i.e social security number, etc.  Atlantic Credit and Finance , Inc.  alleges that court took judgement on their behalf on  X/XX/2010   , for which I was never requested to attend.

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 07/13/2017 about Mortgage (Conventional home mortgage) with CalAtlantic Financial Services Inc (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was prequalified for a mortgage loan through Cal Atlantic mortgage, i put a down payment on a new home in XXXX California, we suppose to be able to move by XXXX XXXX. Was pequalified in XXXX XXXX.My son was signing with me on the loan. XXXX XXXX was the loan officer, she said as long as me and my had employment in the area we were living we would be able to get the loan, plus i was putting down over 40 percent in a down payment. I was able to get a transfer with safeway to the area we were moving. My son was not able to get a transfer with XXXX, XXXX said it would ok aslong as he got a job in the same industry it would ok.So my son XXXX got as job about sixweeks later. He was hired aT XXXX XXXX, same industry. He started in early XXXX. We were told through Cal Atlantic our House would not be ready til early XXXX. Since mid XXXX we had been staying at extended stay hotels in XXXX california, we had tobe out of our house in XXXX XXXX in XXXX. Once XXXX started his job XXXX started the loan process again.She was constantly asking for more paper work, paper work that, i had already faxed. She was very unorganized, very hard to communicate with, i would call her she wouldnt return my calls or emails.So the whole time this has been costing us alot of money staying in hotels, i have my mother who is XXXX, and my XXXX year old grand daughter who im raising.XXXX came around we were waiting for the lo.n to go into escrow. XXXX underwriter kept asking for more and more paperwork. then on XXXX XXXX XXXX called me said our loan was denied because of me and my sons jobs, that because i was transfered with my company i have been with30 years. We never received a letter from CAL Atlantic saying why we were denied. I had to find another lender, who instantly gave us an approval. We finally moved in our new home on XXXX XXXX after spending thousands of dollars in extended stay hotel

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (RI).
Issue: Loan servicing, payments, escrow account

Complaint: In 2012 I filled bankruptcy. Coming out of bankruptcy I obtained a Hardest Hit Mortgage at the end of that year, I worked with Wells Fargo to get a Loan Modification which saved my Home. Recently it came to my attention the Wells Fargo is not reporting my current 7 months on on time payments to the credit Bureaus. When I spoke with them they informed me that i did not sign a reaffirmation agreement with the bankruptcy and therefor they would not inform any credit bureau about my payments. I researched what a reaffirmation agreement is and found out that if I had signed XXXX that if for some reason I could not make my mortgage payments, then Wells Fargo could look for me for money if there was a shortfall under the Foreclosure. When I found this out I was very glad I never signed XXXX. However the fact is that I do have a mortgage in good standing with Wells Fargo and I think what they are doing is border line criminal, they are affecting my credit score, which I am trying to improve after my bankruptcy. This practice for any Financial Institution should be prohibited. Please let me know if you can intervene on my behalf or give me some guidance how I can inform the credit bureaus. Thank you my contact in formation is XXXX XXXX - cell XXXX - mailing address XXXX XXXX XXXX XXXX, XXXX, RI XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Medical) with United Consumers Inc (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The medical debt was paid by my XXXX XXXX last year. 
They keep trying to get more money. Its a debt that was paid last year. I called the office on XXXX XXXX 2016 they had wrong dates for service, I called my Insurance Customer service, they called the debt collection office spoke to a preson, because they never filled a claim for service to my health insurance company. 
said they had never mail any claim for the service on the days they on the collection letter. She told them to submit the claim to there office. They called me today asking for my address and date of birth, my insurance company gave them my Imformation on XXXX XXXX, 2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Federal student loan) with R.M. Galicia, Inc. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I provided the school I was attending the address that I would like information to be sent to which was also my home address. I spoke with the collection agency ( progressive ) the other day in regards to my paycheck being garnished and was informed that they sent notices to my ex boyfriends address ( a address I never provided them with ). I was informed by the collection agency that they sent the information to my current address which I find impossible because they had the wrong address on file when I called in. The collection agency then went on to state that they sent information to my job regarding the garnishments which again is information that I never received. I did informed each representative that I was recording the call and each still gave me very rude service and unwilling to help me to understand the situation. Even informing me that I could go to the post office and request a list of returned documents which the post official is stating they only do for packages. As far as the loan goes when I was in school do to health issues ( still present health issues ) I had to drop out ( the school stated that they could not take the risk of having a student with my condition stay in the dorms ). I had made several attempts to pay toward my loan through the school and never received accurate information ( I also have documents to verify ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Problem with fraud alerts or security freezes

Complaint: Freezes should be free. Fraud monitoring is insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had a complaint with Consumer Finance Protection Bureau about XXXX XXXX XXXX. XXXX XXXX XXXX promised to change to current never late. TRANSUNION never changed it to current never late. XXXX XXXX XXXX  promised to change to current never late with my complaint with Consumer Finance Protection Bureau. This needs to be changed b on my TRANSUNION Credit Report today TO CURRENT NEVER LATE.

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 03/20/2018 about Debt collection (I do not know) with Ideal Collection Services, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Ideal collections is still not going by the law they are trying to collect a debit that was done by identy theft, i have attached a police report they are asking for a fraud affidavid as the police stated this does not exist please read report. I have now gotten a lawyer and i am not nor will i provide them with my ID my identity was alreadys stolen, this will be the last attempt to have them remove this or the Law offices of XXXX XXXX in XXXX will file suit, i have never gotten a debit collection from these people this has been over 6 years this is now harrasment and extortion again i have a police report. Last chance to remove or XXXX XXXX wil take over

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other transaction issues

Complaint: I have extended family in XXXX, XXXX. Currently between bombs and snipers, it is not a safe place to be. Everything is in short supply and utilities are intermittent. The banks have no money. The only way to send money is through moneygram. On XXXX XXXX I sent {$500.00} via moneygram. When my relative went to pick it up, he was told there was a computer glitch. I called moneygram and they told him to have the agent contact them. The agent then told him the money had been returned. I did not keep careful track of dates since I was not expecting a problem, but sometime after XXXX XXXX, money gram informed me that the money had been picked up on XXXX XXXX. My relative did not pick it up and since XXXX a reference number and ID are required, I ca n't see how anyone else could have picked it up. Money Gram opened an investigation. When I call I get the escalation department. No matter how I explain that they either have the money or gave it to the wrong person, and that this is a serious humanitarian crisis because the family needs money to buy food, they continue to give me the same line that they have up to XXXX days to investigate. On Monday I got someone named XXXX to say he would red flag it and call or email me back, but that has never happened. Today someone who also said his name was XXXX put me on hold for XXXX minutes to wait for XXXX, who just repeated that they have up to XXXX days to resolve it. People are going without food thanks to their error! XXXX told me XXXX that they do not have a supervisor, and then that he does not take calls. I am so frustrated! I thought Moneygram was a reputable business, but now I have lost {$500.00} and the family is still without money for food.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/19/2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (MO).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I had a check present on XX/XX/XXXX. At the time, my POSTED balance was {$170.00}. The check amount was {$300.00} and was POSTED to my account and subtracted to my POSTED balance causing my account to become overdrawn, at which time, I was charged an overdraft fee for an item that was paid. This item was only an " overdraft '' because Regions ' system posts the check as paid. I was originally told that it was in a " pending '' status for review yet it withdrew from my posted balance. The following business day, XX/XX/XXXX, the item was returned as an NSF item and then I was charged a returned item fee, which I do not dispute. I dispute the process in which their processing system loopholes overdraft fees to be charged to the account. Items should not post and withdraw from a posted balance unless they are items that are paid. I should not be charged an overdraft charge due to an item that was only overdrawn due to an item the bank did not pay and I was not truly overdrawn. Subsequent NSF fees were charged, as well, after I had filed a Reg E claim on XX/XX/XXXX totaling {$120.00} that was not resolved within the ten business day required. This {$120.00} in addition to the incorrect charge of {$110.00} from VIPStore ( the difference was refunded ) all totaled this negative balance. The processing system that Regions uses is rigged and allows overdraft fees to be charged when an account is truly not overdrawn. I had called on XX/XX/XXXX to ask about the process and have been getting the runaround ever since. Today was the third time I have had to call with no resolve still.

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 12-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Trans Union is reporting a 6 and 1/2 year old charged off auto loan deficiency with XXXX XXXX XXXX as having late payments and past due payments as well as including the amount of the original loan payment as part of my monthly debt. When the auto was reposed and sold that ended the contract and monthly payments. The debt has been charged off there should not be anything reporting as current activity or payments due.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The bank allowed scan by nonmatching, nonsignature, nonordered or consented to cards nor, transactions '' thus '' I can not be made to pay nonelectronical, nonconforming, bank transfers, completed by thee, merchantb '' CHASE BANK UP XXXX, AMOUNT OF {$120.00} XXXX XXXX XXXX ( (? ) {$750.00} (? ) NOTHING TO, NO ORDERS BY XXXX XXXX XXXX XXXX XXXX XXXX COMPEL PROOF CHASE WILL DODGE XXXX XXXX OBSTRUCT '', my card was losr at a store grocery after it was declined Chase has subjected me to identity theft.chase also destroyed ' '' cut up the card 's a XXXX address XXXX location when I entered I discovered my XXXX, was missing. To date no refundsplus non compliant ORDERS n cyberworld? My Credit score thanks to that XXXX dropped XXXX ... im XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX offered cable/internet services for my home. We were told that we had 90 days to cancel the account if we were unsatisfied with the service. We had many issues regarding the service to our home. While it was getting close to the 90 days for cancellation, we were promised that the issues would be resolved. We spoke with many representatives and when we complained repeatedly that the issues were not getting resolved, we were told that the 90 days would not be in effect since we were still unsatisfied. After about 100 days, we finally cancelled the service because the customer service was so poor. 

After cancelling service and returning the equipment to XXXX, we received a bill from XXXX for the service. I called XXXX to complain but was told that it was after the 90 days. Now, years later, this is still affecting my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Credit card) with Northstar Location Services, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Twice now I enter XXXX to the online payment form but they would change it to XXXX.

Company response to consumer: Closed
Consumer complaint received 07/28/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MI).
Issue: Problems when you are unable to pay

Complaint: I made a purchase to a XXXX Compass jeep. After filing backrupcy XX/XX/XXXX, this debt was discharge/charged off. It is still appearing on my credit report after several attempts/request to have it removed. This derogatory remark is causing a drop in my FICA score and raising my interest rate with other lenders. I request this to be removed from any future credit reporting services. Thank you.

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 02-06-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: FromXX/XX/XXXX untilXX/XX/XXXX this school loan from Great Lakes reported that I was late on my payments but I never knew anything about my student loans or anything but then they reported I was on time on XX/XX/XXXX when I still never got anything in reference to my student loans being due or anything what so ever. The school shut down that i was attending and I never got anything in reference to this student loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: They state my information has been affected. so without my consent my information was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: XXXX CFPB Cases XXXX, XXXX, XXXX This is the FOURTH complaint. CapitalOne did not resolve this issue again, and the answer is incorrect about what happened. To clarify it : The answer given by XXXX XXXX stated : " Our records confirm, on XXXX XXXX, XXXX, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XXXX XXXX, XXXX ''. That is NOT CORRECT and to prove it I got today from a forward USPS services the check with the WRONG amount of {$110.00} with the WRONG address as well from XXXX Attached. The total stated in their answer IS NOT CORRECT! The exact amount is a total of {$2300.00}. Details XXXX - {$110.00} XXXX - {$2200.00} I did call them and they confirmed by their support ; they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " XXXX XXXX '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I wo n't sign it. I have bills to pay, and I 'm not PAYING it because the mess caused by them, I just want ALL my money back ... just that. When I have requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet ( it 's taking months ). CapitalOne is not solving it the way it should I need the remaining balance in a check to my correct address, or I look for a lawyer to get my rights since it 's now proven you guys did send it to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
XXXX {$410.00} OPENED XX/XX/XXXX XXXX {$350.00} OPENED XX/XX/XXXX XXXX {$820.00} OPENED XX/XX/XXXX XXXX {$450.00} Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

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