milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I put in a dispute to Equifax regarding my XXXX balance on XX/XX/XXXX via fax since they will not allow me to access my credit report via the internet. I found out on XX/XX/XXXX that the account was never disputed and that it would be another 30 days before anything happened. This has caused a huge problem since I need to go for a loan and am now out of time. I need the balance to show correctly immediately. Spoke with XXXX XXXX in Office of Consumer Affairs, stated at that time the dispute was not processed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: T V provider sent me into collections stating that I ordered a " pay per view '' movie on their system and I owe them money for it. However, with this particular provider in order to order a " pay per view '' you had to have a " Land Line '' in order to submit in the order. I have not had a land line for over 20 years and have only had my cell phone. When I turned in the equipment upon moving and they audited the equipment the equipment showed that we tried to order a " pay per view '' ... .However, we never actually received the " pay per view '' because the order did n't take in their system. Since we did n't receive it we did n't and wo n't pay for it.

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 09/28/2017 about Vehicle loan or lease (Loan) with First Investors Financial Services Group, Inc. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: After my car was deemed total loss by the insurance company, My original auto loan was sold of to another company called XXXX XXXX XXXX. The new financial company informed me that my title to the vehicle would be released to me once all payment was submitted by the insurance company and the GAP department. I have never received any detailed break down of payment and principal balance after the last check was issued from afa claims ; in the amount of XXXX, during the month of XXXX.I demand an up to date document that was reflecting my balance tome emailed or mailed to my address. XXXX XXXX XXXX the most recent statement I have from XXXX XXXX XXXX, reflects the principle balance of XXXX, no interest fees, no late charges, no other fees owed, no stipulation of fees being added.In addition to that, the minimum payment reflected a due date of XX/XX/XXXX. This small dollar amount left on my account is for payment in exchange for right to obtain the salvage title to the vehicle. As of XX/XX/XXXX, I called to inquire about the full pay off amount for the title. I was told that my entire balance changed although no representative could assist me. I spoke with several people include XXXX XXXX. He was unable to provide me the reasoning or the detailed break down as to how or why my account balance changed. When asked for someone to email me an up to date bill. I was told NO. At that point, My phone call was being re directed to an individual named XXXX XXXX answering machine service, because I was told my account file was being put on the market, " remarkting. " I informed XXXX XX/XX/XXXXthat did not wish to have my account sold off, I only wish to pay my true principle balance so that I may obtain my title. Its been 24 hours and I still have no update emailed of a statement that reflects their claims of m, y account balance changing. This company is operating is a fabricating their information. This company is presenting fraudulent information to me. Please help me.

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 06-07-2017 about Debt collection (Medical debt) with Skagit Bonded Collectors, LLC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I SEE that a collection for : SKAGIT BONDED COLLECTION   XXXX   XXXX   XXXX     XXXX   XXXX  , WA  XXXX  Appears on my report.
<P/>
I DO NOT HAVE ANY CONTRACT with SBC as they have not ORIGINAL WET INK SIGNATURE WITH ME.
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You have successfully helped me on past issues like this whereby the collection company has REMOVED the collection.
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They have not contacted me either by mail or phone and I have no contract with them proving I OWE THEM ANYTHING.
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THEY ARE NOT the CREDITOR,   XXXX   XXXX   XXXX   IS and since they BOUGHT the DEBT, that 's THEIR PROBLEM, NOT MINE.
<P/>
THE CFPB has set precedent in my case, three times, in past requests, where they FORCED a COLLECTION AGENCY to remove their INTRUSION on my credit report with FALSE information.
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HAVE THEM PROVE they have an ORIGINAL WET INK signature of mine and I 'll pay them. The WET INK SIGNATURE MUST BE ON THEIR LETTERHEAD stating I OWE THEM the stated AMOUNT and for what reason. I OWE THEM NOTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Card Receivables Fund Incorporated (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. The information which appears on my credit report is not my debt. I have spent countless hours and dollars seeking a resolve. I have notified the creditor and XXXX of which has failed to remove the accounts. The initial police report was filed in 2007, since that time XXXX more reports have been filed. The person is still using my information, as it related to XXXX of the theft incidents ; XXXX XXXX has made XXXX arrest. The XXXX XXXX Police Department has advised me to contact the social security XXXX, all bureaus, govern entities, and the Consumer Financial Protection Bureau. The items that should be blocked or deleted are :

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Automatic Financing, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sent payment for another persons judgement twice to clear up balance. Company states its mine and I am past due. When I made the payments on the judgement, I never received a receipt with principal, interest paid or balance due. Now I am getting certified letter and phone calls trying to collect from me. Company has also changed names and this is not a transferable judgement based on an account that was sold yet they are stating this as an asset bought and still due.

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 11-08-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MD).
Issue: Other transaction issues

Complaint: On XX/XX/2016, I initiated a money transfer to XXXX to a family member in the amount of {$1000.00} + {$5.00} money transfer fee. The money was withdrawn from my bank account XX/XX/2016 and I was told the money would be available for withdraw XX/XX/2016. I checked the account status on XX/XX/2016 to ensure the transaction completed as promised by Western Union, the online status stated in process or pending. I called Western Union and I was transferred to the fraud protection unit. I was told my transaction was denied for my protection and that the funds would be refunded. Apparently, the transaction was denied and a refund was initiated prior to my knowledge and I should have been reimbursed on the XXXX. With each phone call, I would get a promise to refund my money. Eventually, I was told there 's nothing they could do because it 's a computer glitch beyond their control. I was also told to stop calling and that they would contact me when the " computer glitch '' is resolved. I requested a paper check and I was told because it was an electronic transfer, they can not give me a check. A few weeks later, no call from Western Union. I then called customer services and I was told to submit my bank statements to ensure that the money was withdrawn and not refunded. If clear, I would receive my refund in 24 hours. I submitted the statements to the provided email and still no refund. The customer service reps were relentless in telling me what I wanted to hear. I was getting transferred to " supervisors '' and different department, all led to no one that could help me. It 's almost 6 months later and the issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Submitted a letter of dispute to this company via certified letter and never received a response back from them and they continued to report the same disputed information on my credit reports without noting that I was disputing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (GA).
Issue: Settlement process and costs

Complaint: Re : Complaint # XXXX, XXXX and XXXX. Wells Fargo Mortgage continues to stonewall both CFPB and me hoping I will give up on both of you. I refuse to capitulate despite the enormous hours spent bringing this issue to resolution. WFM is now one week late in providing it 's response to my disputed reply to their last " explanantion. '' They charged me an undisclosed, non-itemized charge on my mortgage refinance despite State law requiring details on any bank charges in a closing statement. A so-called " delinquent escrow '' charge they have now disclosed was impossible since I did not have an escrow account prior to the refinancing and have canceled checks showing that all insurance and property taxes were paid and current at the time of the refinance XX/XX/2014. This behavior continues and the headlines this week confirm a culture of deception and delay by Wells Fargo. Further, the ASC representative in a recorded conversation actually asked me why I did n't inquire at the closing about the charge for an " unpaid principal balance '' which now they detail as a " delinquent escrow '' account charge. It 's time, again, for CFPB to support this effort and require Wells Fargo to remove the charge from my statement and clear any implication that this consumer ever had any delinquency with them.

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 02/18/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I authorized a payment over the phone of {$250.00} with a rep from Wells Fargo for a private student loan. I was charged {$350.00}. I called and they said they would listen to the recording and credit back the difference. They did not credit this amount back. I recorded the original phone call as well as the phone call stating it should be credited. I went to school at University XXXX online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2017 about Checking or savings account (Other banking product or service) with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I saw my balance was low, and I tried to make a mobile deposit to prevent overdrafting since I have had in the past, but the app would not allow me to deposit, I do not live near a branch so I called in to ask and the bank said there is no way for me to make a mobile since in the past 90 days I had overdrafted, the only other option was to mail in a check, I was furious because the funds were already really low and I tried to take preventative measures to prevent overdrafting but they would not allow me to make any sort of deposits right away.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went car shopping at XXXX XXXX XXXX in XXXX. The sales person collected personal information in which he stated once we found a car we would move forward. Well the car I was looking for was unavailable. So we did not move forward. Well a few days later I got an alert from XXXX alerting me that my credit had been pulled by XXXX XXXX at the behest of XXXX XXXX XXXX. I called the dealership informed them that I had not given consent at which point they directed me to the sales manager who stated he mistakenly ran my credit. He then stated he would provide me a letter stating such so as to ensure I could get those inquiries removed. I provided the letter to each bank in which pulled my credit yet XXXX XXXX Refused to remove their inquiry even after numerous letters sent to them. They have yet to respond to the request in which I submitted at their behest on XXXX XXXX. I provided for a third time a copy of the letter from the dealership stating they pulled my credit in error.

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 12/28/2016 about Debt collection (Credit card) with Smith Debnam Narron Drake Saintsing & Myers LLP (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On Friday XXXX XXXX, I called Smith Debnam Attorneys at Law ( hereby referred to as " Agency '' ) and contacted XXXX XXXX ( hereby referred to as " Agent '' ) at extension XXXX. Per the letter sent by the Agency dated XXXX XXXX, 2016, where they state the amount owed on XXXX ( hereby referred to as " Creditor '' ) Account ending in XXXX to be {$2600.00} and in which the Agency states " Our client has authorized us to initiate a judicial proceeding against you. In an effort to avoid costs associated with litigation, our client has authorized us to give you an opportunity to settle this account without having to go to court '' if there was no response within 20 days of receiving the letter. 

I made this call to get more information about the alleged debt. During my call with XXXX XXXX I specifically asked what the original amount and date of the debt which was discharged from the creditor to their office, in which she stated the amount to be {$2600.00} and that it was received by their office on XXXX XXXX 2016. The amount she stated was the same as the one on the letter in reference. I told her I would be speaking with the original creditor to review my options and hung up. 

On XXXX XXXX I spoke with an account representative of the creditor, XXXX and revewing all correspondence regarding this account I confirmed that the amount the creditor released was {$2500.00} based on a letter I received from the creditor which is dated XXXX XXXX, 2016, and not the {$2600.00} XXXX XXXX " Confirmed ''. 

Therefore, the debt collection agent, and hence the agency have lied about the amount of the debt in what I believe to be an attempt to claim more than the original debt. There is no statement or evidence on any of the correspondence sent by the Agency or agent stating the reason for which the debt they claim is higher than that dischardged by the creditor. 

I am requesting the agency to send proof of the debt. Until I receive the letter of proof I ask that this matter be reviewed. 

Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CURO Intermediate Holdings (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I applied for a loan that I was approved for on the spot. I was told to sign and was not given any time to read over the paper work, that was several pages long. I was given money and when it came time to pay it was an amount considerably higher than what I borrowed, when I called to work it out with Rapid Cash they told me I signed so I have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On Saturday,  XXXX   XXXX ,    2017  I sent by certified mail a  XXXX  letter to equifax. On Tuesday,  XXXX   XXXX ,  2017  according to th e USPS tracki ng information it was received. Today is Tuesday,  XXXX   XXXX ,    2017  and according to my  XXXX   XXXX  report there was a collection by the name of  XXXX   XXXX   XXXX  that was removed and added back again to my report. I have not received any type of letter, phone call, or email from either the collection agency or equifax stating that this item on my credit report would be removed or added. If the research I have done is correct, it states that once an item is removed they have to send you a letter giving a 5 day notice stating that they are added something back onto your report and if not it has to be deleted because thats illegal and in violation of the FCRA. Ive reached out to equifax and was told there is nothing they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Privacy

Complaint: A charge posted on my account in the last billing period that I did n't authorize. The charge came from a merchant whose services are pushed on me through mail marketing by the credit card company. I called the merchant and did get the charge reimbursed. I also called the credit card company and voiced my concern regarding a charge that was unauthorized and came from a merchant that is frequently marketed on me by them ( being the credit card company ). The credit card company offered to block the merchant and look into any wrong doing on the merchant side. The service associate told me that the credit card company did own the merchant company at one time. I now have the credit card company reviewing any wrong doing by the merchant. My question is, who will check on the credit card company for any wrong doing? Normally, I would not be that concerned about a charge dispute, but in this case, I am very concerned that the credit card company is not treating my information in a secure manner. I have had no dealings with the merchant ( that I can remember ) but yet they were still able to acquire my credit card information to charge it. I would like the credit card company to answer the question of, how did the merchant get me " secure '' credit card information?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2018 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I purchased monogrammed Robes and Flutes for our wedding a day XX/XX/XXXX but received them after the wedding and the agreed upon delivery date before the purchase was made. We were also missing a glass and one was broken. We ordered from some small online company called XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. They refused to give us our money back so we filed a dispute with Ally Bank. We waited the 60 days for them to review it, and they denied us our money back.. How could we lose this dispute? 
The merchant is refusing compensation because she shipped the package before the delivery date. We agreed upon a delivery date, not a shipping date. She shipped the Robes and Flutes on XX/XX/XXXX after my request to cancel the order if it would not be delivered before 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 explanation
Consumer complaint received 09/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a Tax lien on my credit report that should n't be on there.

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 08-07-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: The story is set forth in the 3 attachments below in which personal information has been blacked out. The first attachment is composed of 1 ) a screenshot showing acknowledgement of my XX/XX/XXXX inquiry concerning the non-payment of our real estate taxes from the escrow account ; 2 & 3 ) Two nothing form emails acknowledging the inquiry dated XX/XX/XXXX and XX/XX/XXXX ; 4 ) A letter dated XX/XX/XXXX stating that they were still pursuing an 'investigation ' of the issue. In my humble opinion, their 'investigation ' could be concluded with a 5 minute call to the County Treasurer ; and, 5 ) an email attachment dated XX/XX/XXXX claiming they had paid the original amount of the tax. Apparently it never occurred to anyone a Ditech that taxes paid nearly 4 1/2 months late would incur penalty and/or interest. The second attachment consists of my letter to Ditech dated XX/XX/XXXX. It addresses not only the unpaid real estate tax issue, but also the failure of Ditech to pay from escrow the premium on flood insurance that they forced us to purchase. There are several exhibits to this letter and I will be glad to provide them if needed. The third attachment consists of my letter to Ditech dated today, XX/XX/XXXX. It addresses the real estate tax and flood control insurance issues as well as my inquiry about a questionable payment from the escrow account. This letter also explains why Ditech 's supposed payment of the tax was ineffectual. Again, exhibits are available if needed.

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