milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Debt collection (Non-federal student loan) with ATG Credit, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from a company called ATG Credit , LLC stating I owed money to XXXX in XX/XX/XXXX. I called ATG on XX/XX/XXXX and told them I know nothing about this charge and wanted to dispute it. The person said OK they would put a dispute request in and send me documentation from XXXX. In XXXX of 2016 my credit report was now being reported as a collection agency for something that I still had no idea what it was for and had nothing from ATG showing what is was for. On XX/XX/XXXX I was sent a ledger as proof from AGT which was now over 60 days later of me entering a dispute. What ATG sent me still shows nothing of how this debt is mine. I called them back and told them this and they said they will reach out to XXXX for more info. This should not be reported to my credit if they ca n't supply proof within 30 days or send proof of how it belongs to me. 

The issue at hand is that it took 60 days for the debt collection to respond to my dispute which is longer then the 30 days per The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC XXXX et seq. ), which states if the creditor does not verify the listing within that 30 day time frame, then it is automatically deleted as mandated by the FCRA. As requested in my complaint I demand this collection be removed from my credit report since it is being reported incorrectly and the debt collector has failed to follow the rules of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (KS).
Issue: Settlement process and costs

Complaint: I received military XXXX me from XXXX to XXXX in XXXX 2016. I shopped for a mortgage with XXXX, Quicken Loans, and XXXX receiving a Loan Estimate from each leader. I chose Quicken Loans on XXXX XXXX, 2016 because they offered me the lowest interest rate and fees for a mortgage. 

Everything was moving along until I received a re-disclosure package on XXXX XXXX, 2016. The re-disclosure package had three errors : 1. It added a {$730.00} fee for points ; 2. It increased my credit report fee from {$9.00} to {$25.00} ; and 3. It did not adjust my loan origination fee from {$1900.00} to {$980.00} as QL agreed to match XXXX loan origination fee. I addressed these errors with XXXX XXXX ( NMLS # XXXX ) on XXXX XXXX, 2016 in an email. He replied to me telling me the errors would be corrected prior to close. 

On XXXX XXXX, 2016 ( 6-business days prior to closing ) I was told over the phone they would not correct these errors. I now only have 5-business days until closing and feel I have been strung along until it was impossible for me to use another lender or have these issues addressed through the CFPB or the Department of Defense Inspector General. These fees represent a {$1700.00} increase to my closing costs which I must come up with in 5-business days. If I do n't go through with the mortgage with Quicken Loans I will lose over {$2100.00} in money spent for earnest money, inspections, surveys, estimates, and appraisals.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am still being denied credit due to a fraud alert that was supposed to be removed in XXXX. it appears Equifax for one is dragging their feet in the removal of this alert. I have to wonder if I will EVER get this removed as it is right now ( XXXX, 2018 ) I effectively have no online credit. This is so frustrating! Please help me clear this up. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have an FHA mortgage loan that is being held by US Bank. They are not being fair or accurate in their modification review and have been extremely difficult to deal with. They put me through a nine month process that was tedious and frustrating, have repeatedly lost or misplaced my information, have assigned multiple points of contact and have told me XXXX thing and then days later I am told the exact opposite by a different employee. All of this paperwork finally resulted in an offer, but the payment that was provided was close to half of my monthly income. Not only that, when I received the paperwork ( on XXXX XXXX ) the date that I was told I had to respond and or appeal the decision by was that day. The letter was dated XXXX XXXX. It is like they intentionally put me in this situation where there was nothing I could do to question or challenge their process. I am quite certain that US Bank made significant errors while reviewing my financial information. Months ago when I began the process my daughter was XXXX and receiving money from XXXX. However, during the process she turned XXXX and stopped getting that income. I think that US Bank believed that money was part of the financial picture, but it is not. However, they have not given me a chance to appeal or present my side of the story or open a new review, and instead have put me into foreclosure. 

When I bought this house I was a XXXX for XXXX and was well paid and felt that I had stable employment. I unexpectedly was XXXX in 2011 and could not find work for 8 months. I tried to get US Bank to consider me for unemployment programs but they denied access to any of these. I used my savings to pay as long as I could but could not keep up. I then contacted the Illinois State program XXXX and they approved me and paid the majority of my mortgage payment for about a year. During that time I found employment, but had been forced to change careers and take an entry level job at XXXX XXXX along with a pay cut of almost 70 %. Once the XXXX grant expired I began trying to get US Bank to work with me. It took almost a year to get them to actually complete a review, and when they did they used outdated information to come up with a program for me and then sent the information so late that I could not open an appeal into their information and decision. I am a parent and I have worked hard for many years to get this home. I totally understand that I signed a contract to pay for this home but I lost my job and was out of work. I have done everything I can to comply with US Bank and their requests and feel that I have not been given a fair or accurate review

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (I do not know) with The Receivable Management Services Corporation (CT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I pay for my insurance, change company but this company insist even after our over the phone conversation regarding the matter. Debt collection company promise to file my document to the collection bureaus and credit bureaus.

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 07-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company received the attached letter and check where it was explicitly expressed that they were only to cash the check if they agreed to delete the account from the credit report. 
CBE did cash my check and continues to report the account on my credit report still as an unpaid account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, EXPERIAN & XXXX ).

Thank you in advance for you help in this matter

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 05/20/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Customer service / Customer relations

Complaint: Bankruptcy discharged XX/XX/XXXX. USAA credit card was discharged in that bankruptcy. In XX/XX/XXXX, my USAA checking account was overdrawn due to insurance policy charges. I called USAA to give them updated bank account information, as I have no way to deposit money into USAA checking due to location. They debited the insurance charges from my new checking account, but referred my overdrawn checking account to a collection agency. As soon as I learned of this, I submitted a check to them in the amount of XXXX. Thinking this was resolved, and the check having cleared, I told the collection agency to stop calling me, as I had paid the debt directly to USAA. Today I called USAA and was informed that the payment was applied to an outstanding credit card debt, and they would not reverse it. I told the senior banking agent at USAA, named XXXX, that I included that credit card in by bankruptcy and that it was a violation of law to collect that debt. She told me I was wrong and disconnected the call. Attached are the credit card statement that they posted to my account for the XXXX time since XX/XX/XXXX, and my bankruptcy petition and discharge.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 have submitted complaints before and I will do so one more time, I have several and I mean several inquiries on my reports that are from the years XX/XX/XXXX-XX/XX/XXXX that do not belong to me, and I have no knowledge of. I have called the creditors and they say they can not remove them call the bureaus, I call the bureaus and they say they can not remove them, well, last month we went through this same thing I sat right next to my brother as he called all 3 bureaus and he had 30+ inquiries removed just by saying they were not his, in which they were not his they were made from a different state that he does not reside in, I called and wanted mine removed and I was told they could not remove them. I have tried to dispute these with the bureaus by sending in letters and calling again nothing, sent in a complaint and again nothing, well, I just seen and took a screenshot of another lady who called all 3 bureaus and got 66 inquiries removed in one call, but I can not get just the ones I know are not mine removed!?? I believe this to be a discriminatory issue that I will indeed address accordingly! I am absolutely tired of seeing and hearing with my own ears people calling and having inquiries removed no questions ask, but mine can not be removed. There are some on my report I do have knowledge of doing, but the ones I want disputed were during the time of the death of my mother and I know for a fact I did not do them because I had no access to any kind of internet or phone during that time!!!! I am asking once again that this situation be addressed or I will be going further with my complaint!

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 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My XXXX credit card account was closed because of some personal hardships. I tried login into my account and they said it was locked due to security to reasons. When I tried to get it unlocked they said it was unable to be unlocked because it was closed. I am now unable to get my current balance and make payments online. This seems predatory and intentional to get consumers to miss payments or make the wrong size payments.

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 11/29/2016 about Debt collection (Medical) with AMCOL Systems, Inc. (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I had a debt owed to a XXXX office resulting from some amount not paid by my insurance carrier associated with the procedures by this XXXX office during my visit. I was never notified of any amount due ( {$65.00} ) by the XXXX office. Instead, they sent the amount due to their collection agency AMCOL Systems Inc. So the first notice I received of owing any amount was from this collection agency threatening to report the unpaid item to my credit bureau if I did not paid the debt or dispute the debt within 30 days. I did not have any opportunity to see the details and an explanation of the amount due from XXXX before being contact by a collection agency. 
I called AMCOL Systems and explained that I had not had any previous notice of any debt from XXXX and they stated they knew nothing about the collection practices of XXXX associated with prior notice. They simply stated that the debt had been turned over to them for collection and I would need to pay them. 
I strongly believe that XXXX is maintaining a policy of not providing any follow-up notice to patients of a debt owed as a result of an amount not paid by the insurance carrier but is utllizing the practice of just turning over any amounts due from patient visits directly to AMCOL Systems for collection and paying their fee for the collection services. 
I consider this practice to be very inappropriate, unfair and XXXX to patients, like myself, who always pay valid debts in a timely manner and have a very high credit rating. 
Allowing a collection service to threaten impacting my credit rating when I have not been given any prior invoice with details of the amounts owed to XXXX needs to be stopped. I would have gladly paid XXXX directly had I been sent details of the amount owed directly from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Credit monitoring or identity theft protection services

Complaint: Since about 6 months before Freedom Mortgage purchased our loan from the previous servicing company XXXX XXXX, we have been inundated with mailings for refinancing to ARM loans and once we read further into Freedom Mortgage practices we discovered that their practice of not reporting on time payments will affect our credit negatively and their online customer service is non operable and there is a {$15.00} fee for over the phone customer support. This is the epitome of a predatory company!

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 01/22/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I previously applied for an income base loan and was denied. Due to denial It has caused me the inability to pay and its XXXX for me and my family. Even at the time, i was paying tuition for my child who was attending XXXX XXXX XXXX. Its very expensive with that alone & the difficulties of paying her tuition and living was extremely difficult. The hardship is unreal and i just asked my loan company for help and was denied. It seems so unfair to ask fir help and be denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion removed several inquiries and accounts from my credit report on XX/XX/2017 and later put them back.

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 08/18/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: A copy of the letter sent to Lexus Financial is below : Lexus Financial Services XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Account # XXXX XXXX To Whom It May Concern : I received telephone call from a gentlemen in regard to monthly payment. I reiterated to the gentlemen that the payments are being made via automated bill payment and that the XXXX/XXXX/2016 statement shows that the monthly payment due is {$480.00}. I know that my previous payments were {$680.00} and this is what we have paid in the past and the reduction of payment to {$480.00} is a welcome change. Please see attached statement received from your office. The gentleman argued and denied that there is such a statement sent, insinuating that I am lying, and that I offered to send it via email so that he can see what I am talking about but he refused to acknowledge and stated that you do not have an email for such purpose. I continue to get your nasty calls. 

I find it incredulous for such a large company like you not to have an email for correspondence purposes even for just escalated issues. I offered that I am going to mail a copy for proof. 

This predicament is of concern that a statement is sent out and your representative denies such existence. I therefore demand that you provide me a copy of my lease payment history and all the billing record you have in regard to this account. I also demand the explanation of such amount due fluctuations, and why your statement does not reflect your representatives collection view. 

I am submitting a copy of this correspondence and request to the CFPB and request that you give this matter your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have confirmed through the Equifax website that my information was likely accessed during the Summer 2017 Equifax security breach.

I have placed a 90-day freeze on my credit. I will have to more rigorously check my credit report over the next year ( s ). 

It is unacceptable that Equifax is such a poor caretaker of personally identifiable financial information. This security breach calls into question this company 's core competency.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Deposits and withdrawals

Complaint: Regions Bank account ending in XXXX was opened in XXXX. Only XXXX overdraft/returned item fees were accrued in ten years. A cyber theft scare in XXXX XXXX forced me to change account numbers. Making it look as if it were a brand new account. From XXXX XXXX through XXXX XXXX {$1700.00} in fees alone were seized by Regions, or by other companies in direct connection to their actions. Deposits were not credited. Deposits could not be made due to repeated ATM failure. Debit cards disappearing in the mail. Debit cards sent with the wrong PIN number. Payments were returned resulting in late fees. My credit card account was closed when a payment was returned XXXX times in one month. My credit score dropped from XXXX in XXXX of XXXX to XXXX as of XXXX of XXXX due to account closures and having to use credit for many basic needs. 
Upon my thorough investigation I discovered several payments were not returned to the companies even though Regions said they were. Transactions were reprocessed, dropping the balance of the account so other charges did not clear and fees accumulated. Dropping the balance further and creating a snowball effect that I have yet to recover from. I have proof I made deposits that do not show up on the ledger in the form of processed checks from my clients. As well as proof of payments not being sent back. In XXXX XXXX I opted in to overdraft protection. I figured if I was being charged, I may as well not have the payments sent back to the companies. Nothing changed, however. Hoping it would stop charges from being processed, I opted out in XXXX of XXXX after {$1100.00} in fees were taken in seven weeks. Most being returned item fees. Even though I was opted in and depositing money every day. Several lengthy phone calls were made to Regions during this time to try to fix the situation. I was told to open a second account for personal charges or open a savings account. I did n't think another account was a reasonable option. No real solutions were presented. 
I am attaching a comprehensive folder of all transactions during the eight and a half months I held the account. The whole situation became completely overwhelming. I continued to pump money into the account daily hoping it would stop payments from being sent back. I was not able to pay my rent. I was forced to sell several of my personal possessions. As I am single and live alone I have no-one to help cover the necessities when I am not able to. This whole thing has nearly destroyed my life and I am still struggling to recover. Fighting to pay down the bills that accumulated while this was going on. I have yet to get back on my feet. The actual ramifications have yet to be completely revealed. New bills present themselves every day because I 'm struggling to pay off what occurred.

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