milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2016 about Mortgage (FHA mortgage) with NATIONS LENDING CORPORATION (FL).
Issue: Settlement process and costs

Complaint: First off I did not receive disclosure XXXX days prior to closing neither did seller. Then at closing my disclosure numbers were different from sellers. I thought the figures should be the same. We did not see this until a few days after closing in meeting with sellers. They deducted {$4800.00} from sellers check that was a deposit already taken of top of loan. Also sellers copy of disclosure date issued XXXX and it is a faxed copy which I did not see at closing. The date issued on my disclosure is XXXX so why were these numbers not on my disclosure and mine is a original and not a fax.

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 08-06-2016 about Credit card () with ENCORE CAPITAL GROUP INC. (TX).
Issue: Delinquent account

Complaint: I was contacted by Midland Funding LLC. They have filed a lawsuit # XXXX out of the XXXX XXXX # XXXX Judge XXXX XXXX in XXXX Texas, filed XXXX we have ahd this problem with XXXX concerning a different case. You have helped us in the past. We have a letter from the previous bank that reimbursed our account over {$5200.00} in XX/XX/XXXX. We have also have had credir card companies sending mail to XXXX XXXX. We have been married over XXXX years and XXXX does not get any mail for nearly XXXX years with the name of XXXX XXXX. The credit card company who sold the debt to Midland Funding was XXXX credit card. We never had a credit card of that name. I do not have the credit card # nor when it was issued. We only use our debit card when we do not write a check, we have paid bills on line with both our checking account and debit card. This has put us in an extremely difficult situation. We do not have the money to retain an attorney, so my husband is doing all the legal paperwork. Midland 's phone # is XXXX, the address is XXXX XXXX XXXX XXXX California, XXXX. Please help us if you can. My husband requested documents, ie signed application forms from XXXX and Midland Funding concerning where I signed the original application so we can prove that the signature will and does match my own signature. 

Thank You, XXXX XXXX ( maiden name on credit card ) Married name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the XXXX, and have contacted the XXXX XXXX XXXX. If this error is n't removed i will be seeking compensation through a civil courtroom for damages {$3000.00}. You will be faced with fines and several consequences due to the fact that i 'm unaware of this account and i was never contacted by no one to get my consent. 

COMMON WEALTH XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (IL).
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 made multiple complaints with  XXXX  for verifying my accounts with ACS/  XXXX   XXXX  . There ar e 3 accounts that are currently being reported past the seven year period of the original date o f delinquency. I have made several attempts and most recently speaking with a representative on  XXXX / XXXX /  XXXX   by the name of  XXXX  and she spoke with her supervisor by the name of  XXXX . What I was explained by both individuals the date of delinquency starts over when the account is made current. I even explained per the companies website this is n't correct.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Other debt) with C&F MORTGAGE CORPORATION (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Please attached to complaints filed on XX/XX/2017. Complaint No ( s ). : XXXX ( XXXX ) and XXXX ( XXXX XXXX XXXX  ). Document will be notarized.

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. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

Equifax has put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that Equifax rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by Equifax and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Using a debit or ATM card

Complaint: How are you doing, and hope all i well. I had posted a comment before about PNC bank, and how they have not helped me with my disputes. They actually recently reversed a {$210.00} dispute, and now I am - {$930.00}. This is ridiculous for real, these banks do whatever they want to you and your account. They charged me {$7.00} up to {$92.00} for not having positive funds. Because of their judgements I have defaulted on student loans, late on rent, and just been hard with no funds. I reported that my debit card was compromised by my nephew, and he took all those funds out my account. I reported it to PNC, and cancelled my debit card for a new one. They later said after like 2 weeks that they could n't do anything for me, because my nephew knew my pin somehow. I understand that, but I never gave him my pin and he must of seen me withdrawing money and saw my pin digits. And I never thought in a XXXX years family would do this to me too, and I filled out a police report on the matter and nothing. This is very upsetting, because I live day to day and do n't make a lot of money. Its sad to see a huge bank not help you at all, or just make their own decisions on your matters. I do n't do claims or disputes for fun or a living. I actually think its embarrassing, and upsetting you have to call your bank for this, and when you do they do n't do anything for you, but if you owed them money you ca n't let them wait or make your own judgement on the matter. They sent me latters in the mail saying the transactions were just, and the atm film too. How does that even make sense? They are not just, because I reported them to the bank as fraud. It 's only like {$1000.00} not a {>= $1,000,000}, and that money was for my everyday survival. It 's sad to see a bank like this not help its customers the way they should, and I think these banks get away with anything they want too and that 's not fair to us the people that keep these banks running with our money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: A third party debt collection agency,  Cavalry   XXXX   XXXX   XXXX   XXXX , NY, is suing me for {$6800.00} which they purchased from  XXXX . The last payment I made was over 6 years ago, past the statute of limitations. I am  XXXX  and my net worth is less than {$75000.00} and I understand that they can not collect from me according to Wisconsin law. I do n't think that this should even go to court and I do not deal well with this kind of hassle in my life.  <P/> Th e Law firm  they are using is :  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  #  XXXX ,  XXXX , WI  XXXX  Thank you.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information has been compromised in the Equifax data breach. Hackers now have all my information, including name, social security number, and birth date.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The accounts below are not mines and should have been removed.         XXXX   XXXX   XXXX   Opened  XXXX   XXXX ,  XXXX  {$5900.00} Original creditor :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Closed :  XXXX   XXXX ,  XXXX  {$4100.00} Closed  XXXX   XXXX    XXXX   Closed :  XXXX   XXXX ,  XXXX  {$1400.00} Closed This account below is more tha n 7 years old an d should be deleted.        XXXX   XXXX    XXXX   XXXX   Last reported :  XXXX   XXXX ,  XXXX  {$3000.00}

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 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit reports were hit with collection accounts from Southwest Credit Services with out sending me any letters in the mail or any other communication attempts just as I am in the processes of closing on a mortgage for a newly constructed home in XXXX XXXX, MD. I located their contact information online after receiving an alert on my mobile credit monitoring service to be greeted by rude representatives who were n't even able to located any accounts for me when I gave them my social security number. They can now that I have given it to them, but could n't prior to my first call. I was transferred to their fraud department and was told that I would be mailed a fraud packet that needed to be completed and sent back, but nothing ever arrived in the mail. Also was told that the items would be removed from my credit during the investigation, but that never happened either. I stand to lose XXXX of dollars in a earnest money deposit over a {$250.00} collection account. What kind of country do we live in that something like this can happen?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had an account with XXXX Utilities which was bought by Transworld Systems. Transworld is reporting to XXXX that my account was placed for collection XXXX/XXXX/XXXX. I left Pennsylvania in XXXX XXXX where the account was located due to XXXX XXXX. Therefore the date Transworld is reporting as the " date placed for collection is incorrect. I disputed the date with XXXX that Transworld is reporting and they refuse to update it to the correct date which would be XX/XX/XXXX or XX/XX/XXXX. I need the date corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (IL).
Issue: Application, originator, mortgage broker

Complaint: I am so desperate I hope you truly are able to help me with this matter that has gotten out of control. I have submitted numerous times a complete modification packet to Caliber and I do not get any help. They always use the wrong income in order to denied me. Caliber has schedule many times a sale date even though my file was under review. I am livid because recently I was denied on XXXX XXXX, 2016 and was advice by Caliber that if I wanted to reapply I can always submit a new packet due to my appeal being denied.Therefore, I submitted a complete packet on XXXX XXXX, 2016 to Caliber. But now Caliber refuses to put my sale date on hold for the reason that my packet was not summit 35 days before my sale date which is for XXXX XXXX, 2016. I explained many times to supervisors that how was I suppose to summit a modification application when my appeal was under review. Literally once my appeal was denied on XXXX XXXX, 2016 Caliber schedule a sale date for XXXX XXXX, 2016. This is not fair what Caliber is doing because I spoke with the foreclosing attorneys XXXX XXXX XXXX and they advice me that they will put my sale date on hold or suspended it but Caliber refuses to submit a request. At this point I am really fed up because Caliber refuses to help me and they just keep prolonging my foreclosure. I can not believe that they schedule a sale date less than 30 days and expected a complete packet 37 days before. Clearly I was set up for failure. They schedule the sale date less than 37 days like they request to postpone and review. This needs to stop and I need to be assisted.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with CITIBANK, N.A. (AL).
Issue: Transaction issue

Complaint: I am contacting your agency because I need your help in disputing some charges done on my Citi XXXX XXXX XXXX by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate all charges done on my Citi card by the companies : XXXX XXXX, XXXX XXXX and XXXX charged last year between XX/XX/XXXX and now XX/XX/XXXX. I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.

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 01-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: A fraudulent debt was assigned as an adverse account by TransUnion. A police report was filed an a copy sent to the collection agency used XXXX XXXX XXXX, but TransUnion will not remove the fraudulent address and telephone number that were used for the services or the adverse account, from our personal information in their system. A copy of the police report is attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: I spoke to a very nice supervisor in iowa branch, and her name is very nice lady, wells fargo is charging me a {$320.00} for my escrow account, my loans was sold to them, and I signed agreement, that I 'm not responsible for such dues, then yesterday XXXX XXXX, 2017 I received a letter from them saying I have to pay them XX/XX/XXXX, and those are not legal, when my loans was transferred to them, I 'm not responsible for what ever escrow account bills I will received. This company is taking advantaged of the loans, that they bought it, I 'm asking if this agency will do an investigation, because this amount of money is too much for me. this mortgaged company has practices, of taking advantages, of let say the loans was bought from them, the poor home owner, who do n't know anything, one day they Wells Fargo will just received a letter saying I owed 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 08/20/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX I had my credit pulled for a mortgage. I was informed that my credit score was low because I have an outstanding collection account with Diversified Consultants. They reported the account on my credit on XX/XX/XXXXand the account was opened in XX/XX/XXXX.
In those 3 months, I never received a phone call or a mailing from Diversified Consultants stating that I had an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I had the worst banking experience at Citibank. I signed up for a {$300.00} promotion online on XXXX XXXX, XXXX. I was supposed to receive my account information packet within a week of opening the account, but I did not receive it for about a month. I repeatedly called Citi about it and at first, they told me to keep waiting, but after a month, I called to complain, and they finally sent it to me. 

I then called in multiple times ( at least once in XXXX, XXXX, XXXX, AND XXXX ) to speak with a representative about whether I would receive the promotional credit and was assured multiple times by different representatives that I would receive my promotional credit, but had to wait for some procedures to go through. In XXXX, they told me to call back in XXXX. In XXXX, they told me call back in XXXX. 6 months and more than 6 phone calls later, still no credit, and no accountability from Citibank. I called them a final time in XXXX and told them there was no excuse for them to keep delaying crediting my account with my credit, and they told me that I did not fulfill the original criteria of getting that credit because I did not make a direct deposit within 1 month of opening the account. I was extremely frustrated because I had called in multiple times along the way to ask about this because it was Citibank 's fault that I did not receive my account information until a month after opening my account, and now they were blaming me for not having the account information to make the direct deposit. I am so frustrated with how Citibank stringed me along all this time only to continue to deny me the promotional credit they had promised me. Not only did they continue to lie to me, they also consistently wasted my time and required more than the normal effort to get a response. This is the worst bank I 've ever worked with and I will recommend against it to all of my family and friends, and I hope CFPB will be able to right this wrong.

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 10/16/2015 about Debt collection (Medical) with Concentric Receivables Management, Ltd. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Cocentric Recievables has been reporting a negative account that does not belong to me. I sent in a dispute to them and asked them to investigate this, and delete it from my credit file. They never responded. They also never changed the status of this account to " in dispute '' with the credit bureaus. This was almost 5 months ago! This is unprofessional and unfair!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation