milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Debt collection (I do not know) with ATG Credit, LLC (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I do not accept responsibility for ANY debt and I do not acknowledge any debt being collected by ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX. 

Now, I received a phone call out of the blue from this company ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX asking for a person with a similar name XXXX XXXX. I indicated that they had the wrong person as I am XXXX XXXX and made a point to call them back and demand that they cease calling my number ( I do have the call log if the CFPB wishes to see it ), again telling them THEY HAVE THE WRONG PERSON. The Collection Agent just hung up without acknowledging the mistake. 
Now I am getting mail sent to my home from the same company which I opened by mistake due to the similarity in name. I recognized the name of the collections company ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, now sending demands to my home. Again ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX is sending collection attempts TO A PERSON WITH A DIFFERENT NAME and violated my privacy by locating my address ( NOT LISTED ) in its attempts to collect a debt. The Collections company has been illegally infiltrating my credit and using illicit tactics to obtain my address in its attempt to collect from a person with a similar name of its debtor. 

This complaint to the CFPB is being done on record to exhaust all avenues of consumer protection prior to legal action against this collection agency for harassment, mental abuse and privacy violations. I will not be harassed and I will fight back. I realize the nature of collections work must be tiring and endless. And I see how it is easy to attack the wrong person when you cast a net so wide. However, That being said I am not going to permit a collector to ruin my name when they were told all they needed to know from day one NOT THE RIGHT PERSON. What gives them the right to invade my privacy and continue to harass me? I do not need to explain my personal business with any collector and they have no justification for this harassment. 

Let this complaint serve as notice to ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX is attempting to collect a debt from the WRONG PERSON. From this day forward they are to make NO CONTACT with me at all. No calls, no letters, no contact with friends or relatives. They are not to abuse my privacy by illicit credit report invasions or checks on my good name. Any further attacks from ATG CREDIT , LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX will be met with swift legal action. Do n't try me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have paid off my account with XXXX but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with XXXX   Experian, and XXXX XXXX ; but they continue to verify a balance owed when there is not one owed.

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 11/17/2017 about Debt collection (I do not know) with The CMI Group, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2017 about Credit reporting () with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Fair Collections & Outsourcing is reporting a eviction on my credit report for an apartment that I never lived in. I have a copy of the signed lease of my girlfriend at the time but I never signed anything or lived at the community

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 04-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, 60 days past due as of XX/XX/XXXX, 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BB&T CORPORATION (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I r ecently got a BB & T credit card and was told that the card came with zero interest on purchases with 21 p ercent monthly for cash advances. I was then told on a recorded call to the company that all payments would cover the highest interest product first then everything else. I was told that my cash advances would be paid first because they are the highest interest and that as long as I pay for that amount then I would never get interest. I took out  a cash advance  of  XXXX  on  XXXX   XXXX   2017  and then paid  XXXX  on  XXXX   XXXX  and then  XXXX  on  XXXX   XXXX . Even though I was told on a call  to BB & T, that they recorded, that it would zero out my cash advance and I would have no interest left to pay when I deposited the money I saw that my cash advance had not gone down. When I called them they told me that my payment was applied to my previous balance, of zero interest purchases, not the c  ash advance that I had took out two days ago. Now I have steal acc umulated interest after they told me that if I made that payment that I would n't point blank. This is all recorded and on their records.

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 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I wrote a letter to Equifax on ( XX/XX/XXXX ) challenging the reporting and compliance on multiple accounts that are being reported on my credit report with incorrect information. This is against the Fair Credit Reporting Act section 609 ( a ) ( 1 ) which states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer. All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. However, because the trigger for a file disclosure is a " request '' by a consumer, a CRA may allow consumers ( such as the individual in your letter ) to choose truncation or other security measures in their own file disclosure. In other words, although Section 609 provides consumers with a right to all information in the file, a CRA may provide a method for the consumer to ask for less than all information and then comply with that " request '' when it makes the disclosure. 
This basically states that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. This is effecting 15 accounts : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( inaccurate reporting date of XX/XX/XXXX ) XXXX XXXX XXXX ( inaccurate reporting date of XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) 12 XXXX XXXX XXXX ( XXXX ) 08 XXXX XXXX XXXX ( XXXX ) I received a response letter XX/XX/XXXX stating that these accounts have been verified as accurate and updated. Which again is impossible due to the account numbers containing " X 's ''. If in fact they verified these, then the correct account numbers should be listed. Since they were not updated, these accounts are not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Bank account or service (Other bank product/service) with BANK OF THE WEST (CA).
Issue: Account opening, closing, or management

Complaint: Hello. I paid off a car loan that I had with Bank of the West. They sent me a " Certificate of Title, '' and told me in a letter with the title, to take it to a titling agency to release the Bank of the West lien. I called a couple of titling agencies who said they do not do that. I then called my LegalShield lawyer service who said I must take it to the DMV to update the title, but that Bank of the West is shirking their responsibility in making the customer take this step. ( I did not have to take this step when I paid off my first car loan. )

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 07/16/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Individuals from Student Assistance Corporation have begun calling me, asking for me by name and saying the call is regarding a Navient Student Loan. I tell them that I do not have a student loan. They then ask me to give them my personal information. I refuse to give my personal information so they say the calls will continue. On XXXX XXXX, 2016, at XXXX. I received a call from them XXXX. I called them back to again tell them I do not have a student loan and asked for their address. The lady refused to give me an address and insisted I give her my birthdate. She told me it was a Navient student loan. I used that information to look up the address and send letter telling them I do not have a student loan, do not call me and to send and further communication in writing. They received the letter on XXXX/XXXX/2016 ( USPS Item # XXXX ). The calls have continued with six calls on XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have owned my home for 30 years and it is now home to me and my XXXX grandchildren. I am retired and taking care of them. In 2009 I was pushed to refinance into an FHA loan by my daughter ( in order to benefit her ) and this raised my monthly payment over {$400.00} and added mortgage insurance. Not long after that I found out that my daughter was stealing from me and that she had a lot of problems. I was okay with the mortgage payment at that time because I had a good job and could afford it. However I was laid off after 24 years from my XXXX job and struggled with my mortgage payment and eventually fell behind. 

This loan is with Wells Fargo and I began trying to work things out with them but it was very difficult to make any progress. Instead of reviewing me for assistance programs for FHA loans they are ignoring me and moving me into foreclosure. I am concerned that my daughter may have gotten involved in the process and this has led to these problems. Wells Fargo should know that I am the borrower and that unless there is a signed authorization they should be dealing directly with me in regards to this issue. 

My main worry is I know that there are programs for FHA homeowners who are late on their mortgage and I would like Wells Fargo to work with me to try and qualify for these programs like modification or partial claim or forbearance agreement or repayment plan.. I have a pension and get SSI and can afford a fair payment. I do n't know what the problem is but I hope that they will decide to work with me instead of ignore 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 explanation
Consumer complaint received 10-12-2017 about Payday loan, title loan, or personal loan (Installment loan) with AQUA FINANCE, INC. (NV).
Issue: Problem with the payoff process at the end of the loan

Complaint: On XX/XX/XXXX 2017, I signed a contract agreeing to buy a water treatment system for my home. The system 's cost was {$6400.00}. Paying for the system was to be financed through a 12 months same as cash promotion. The finance company is Aqua Finance XXXX XXXX in XXXX, WI. On XX/XX/XXXX, I had n't received any information from Aqua Finance and I was curious when my first payment would be due. I called the finance company, spoke to a woman named XXXX, and was told that my first payment of {$530.00} was due XX/XX/XXXX. Today I discovered, after intense inspection of the contract, that the contract states that the 12 months begins on the day the contract was signed. This makes the term 10 months, not 12 months. If I continued making payments as instructed by the person I spoke to I would have been libel for over {$1100.00} in interest payments come the termination of the contract. 
Both Aqua Finance and XXXX is guilty of deceitful and unethical practices in misleading people in believing they have more time to pay then they actually do. 
It is for companies like this why Americans need agencies like the Consumer Financial Protection Bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other transaction issues

Complaint: I sent money to my mother in XXXX, and both times I did they cancelled the transaction, it did n't take to up to seven days for me to get my refund. The 2nd time I sent money the same thing happened and they needed the money to buy the bus ticket. I was mad I asked to speak to a supervisor and she said she was going to expedite the refund so it could take up to 2 days to be refunded. It has been 2 days and I am barely getting an email saying that " Western Union has received a request to cancel my money transfer : when it was them who cancelled my money transfer. Western Union is not good at all and when you want to speak to someone in regards to what happened all they say is for security purposes we do not have the reason. Just like we know they are all following a script. Western Union should change their ways soon.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My complaint is about the sam club account. This account is alaready payoff and close. I am supprised because still calling me me and the account is opened.     Regards

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 07-02-2015 about Bank account or service (Checking account) with TCF NATIONAL BANK (MN).
Issue: Using a debit or ATM card

Complaint: I noticed on Sunday morning XXXX XXXX, 2015 that {$750.00} was missing out of my checking account and that there were XXXX transactions on XXXX XXXX and XXXX XXXX that I did not make. I opened my correspondence from TCF Bank that arrived on Saturday XXXX XXXX, 2015 and found a new check attached to a letter stating that a merchant where I used my check card had a security breach and that I should activate the new card immediately. I did so. I was told by TCF Bank that I should ask to have the fraudulent charges from the merchants reversed and to get police reports in XXXX XXXX, XXXX, and XXXX. I also had the video put on hold so that the investigators can have an opportunity to secure the video for prosecution. I have spent numerous hours on the phone with TCF Customer Service, TCF Fraud, and TCF Visa Payment Dept. I want to know ( and deserve to know ) who had the security breach. I should be told this information so that I can make an informed decision based on all the facts of whether I want to continue to do business with this merchant. The merchant should not be making this decision for me. I was also told to write a letter and put all of this information including all of my police report numbers and a statement that I did not make, authorize, or benefit in any way from these transactions. After receiving the letter, TCF would have up to XXXX business days to review the information and decide IF they were going to give me my money back. It was scheduled for the week of XXXX XXXX. XXXX XXXX XXXX aired my story on Sunday XXXX XXXX, 2015 and right before it aired a TCF representative XXXX XXXX made promises to me that he has failed to keep. He did return my money to me but not until Monday XXXX XXXX, 2015. XXXX XXXX will not tell me who had the security breach or return my phone calls or voicemail messages or follow through on any of the promises he made to me. The thieves made new check cards with my information on them and different names. They were also able to change the telephone number on my account without my permission so that so that they could authorize their own purchases. TCF told me they can not tell when they changed the phone number. I never received any notification of this change ( no email, txt, or snail letter to my house ). TCF said they would open an investigation that would take 3 days - that was on XXXX XXXX and I still have not heard anything back from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: 1. I have been unable to receive my credit report from Experian via www.annualcreditreport.com due to a problem on Experian 's end ( according to the error message ). This problem has continued for over a week. Other complaints online suggest that the problem has continued for much longer. 
2. The site offers a way to receive a report by mail, but the request form is corrupted. I am unable to load the form. Other complaints online mention that the form 's PDF file is corrupted.

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 07-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This XXXX account was reinserted to my credit report without being properly verified. This account does not belong to me. I contacted XXXX to validate the account to send me a signed credit application and they could not produce one. you did no verify this information pursuant to the FCRA, and Transunion reinserted this account. If this XXXX account does not get removed asap and continues to appear on my credit report, I shall find it necessary to sue you for defamation damages and declaratory relief. 

Under the FCRA, a creditor has the responsibility to investigate and verify the information reported to the credit bureaus, and consumers have the right to sue if their request for verification is not complied with. 

I look forward to a speedy resolution of this issue. This is my last attempt for I will sue Transunion just like The case is XXXX v. Trans Union LLC, case number XXXX, in the XXXX District of Virginia .

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 03/16/2017 about Payday loan () with CHECK INTO CASH INC. (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I got a payday loan from this company, I can not afford to pay back right now and they are sending emails that they are going to arrest me and that I am going to jail. they are also stating that they are going to contact my employer, which I do not want them to do because I can get fired for receiving calls like that.

Company response to consumer: Closed with explanation