milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (GA).
Issue: Other transaction problem

Complaint: I purchased a wig from this company called XXXX. One the website it clearly states it will be shipped out in one day then delivered in two. My wig was never shipped the next day so I contacted them. I have attached photos off all the emails below. I badgered them on XXXX for some sort of reply and got nothing and I even called over and over again. Eventually I escalated this to my bank by filing a claim. Wells Fargo told me they cant get my money back because I sent the payment through XXXX. This is the company XXXX XXXX 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 02-06-2017 about Money transfers (Domestic (US) money transfer) with RIA FINANCIAL (CA).
Issue: Other transaction issues

Complaint: I sent through the RIA financial services branch located in XXXX XXXX Ca. with the amount of {$780.00}, cahrges/taxes {$39.00}, TOTAL {$810.00} on XX/XX/2017 but the transaction was n't done and was canceled on XX/XX/2017 and when I go to that branch location, the agent there does't give me my money back because she has n't received the order from her manager or supervisor. Then when I call to check if my money is ready to pick up, the agent is telling me that until she gets the confirmation or approval, she will call me but the time period of 10 days in overdue with no answer 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 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Debt collection (I do not know) with Professional Bureau of Collections of Maryland, Inc. (MN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This number XXXX has called me. Once they left a message to call them back about a debt. When you return their call you get a recording that says you call cant be completed because this mailbox you called it full. I do n't know if this a legit company or a scam. If I have a debt but unable to all you back, I better not get sued!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a phone call back in XXXX from First Credit Services about a debt to the XXXX XXXX XXXX XXXX XXXX. I had requested a letter stating the amount owed, reason for collection, and what my options are. To date, I have yet to receive this letter. Today ( XXXX/XXXX/2015 ) I received a phone call from First Credit Services attempting to collect this debt. I told the individual on the other line that I would not pay anything until I receive the letter stating what I asked in a previous phone conversation with the company. The individual immediately hung up the line.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We received a letter in the mail regarding a debt with HSBC Bank from XXXX XXXX XXXX XXXX. That debt was paid last year, however since we did n't realize about it and we " trusted '' the letter, we accesed the online payment option which was only able to be paid with debit card or check. " The debt '' was paid with debit card just to avoid any issues, however we realized something was wrong. We called this company, they couldnt provide ANY information about it, their verification procedure was none, they said their system was down and will call back whenever the system gets back. There is only one guy answering the phone ( from a collections company, pretty strange ). Several calls after they got me to a " supervisor '' that could n't tell us ANYTHING about the debt. They did not want to return the payment and said that we should call the card to dispute the charge, but since it is debit, the money is already gone. 
We are furious. We wish that someone goes after them and uncovers the truth. There are many people reviewing the company fake online as a scam. Looks like that company also violated many collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX, I found a negative account for XXXX XXXX on my credit report in XXXX. I never authorized anyone to use my name and social security number to open a wireless account. I made a report to the police department for identity theft. Afterwards, I contacted XXXX XXXX and informed them of the identity theft. In XXXX, I received a phone call from a collection agency and I informed them of the identity theft. The phone calls stopped. I sent XXXX XXXX a copy of the police report this year and no one contacted me to follow up. I contacted XXXX XXXX and one of the agents said the account was flagged fraud and it will be removed from credit report in 6 weeks. He also sent me an email and said " Its good that the person who stole your identity did not use your address too. '' I saw Pinnacle Credit Services on my credit report for XXXX XXXX. I contacted XXXX XXXX and they told me to contact XXXX XXXX XXXX because they handle all of their debt collections. I faxed a copy of my credit report to XXXX and they did not clarify if this debt collection will be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Problem when making payments

Complaint: XXXX XXXX has called my phone 4 times a day for 2 months stalking my residence threatened my daughter if she did n't give them XXXX they would call the cops and I 'm tired of the harassment

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equif
ax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX. and XXXX residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Bank account or service (Checking account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: we called key bank about opening a new checking account and to see about incentives for opening an account. we were told there was a {$200.00} incentive but we had to do it online and was given no other information. we did the account on line and did n't enter a promotional code because we were not given one. the bank is refusing to honor the word of one of their employees and ca n't go back and get the information from the phone call because they deleted it. we only opened that account with that bank because of the promotion and they are refusing to honor it because they do n't have the information from the phone call we made. XXXX from corporate office told me no and that was the reason. So now we are filing complaints and want what was promised to us. They continually lie to us about this

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (FHA mortgage) with PNC Bank N.A. (CA).
Issue: Struggling to pay mortgage

Complaint: I have an FHA mortgage through PNC bank and have been working with the PNC and our attorney to process a Deed-in-Lieu of foreclosure since XXXX XXXX. 

Four months ago, the final signed documents were submitted to PNC for the final approval for DIL recording. At this time, PNC through communication with our attorney stated everything was complete on their end, and no further documentation was required. PNC stated they were waiting for their law firm to submit the XXXX title to XXXX XXXX for recording. 

Since then, our attorney has called PNC 2x/week to which they have said, they have not received any update from their law firm. Our attorney for the last three months, has reached out to the law firm representing PNC 2x/week and all attempts have gone unanswered. 

To date, there is not county recording of the property being turned over to the bank, even though they said everything was submitted. 

PNC is telling us everything is complete, and deferring the non-processing issue to the law firm, but have not provided any direct feedback on the status of the XXXX submission. 

I believe this is an intentional delay by PNC and they have are providing us bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (I do not know) with USCB, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called several times and will not tell me who the creditor is or what the debt is without my providing them with personal information ( my full home address, SSN ). 

I have not received any postal mail regarding a debt going to collection status.

Company response to consumer: Closed
Consumer complaint received 12-04-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/X/2017 at XXXX CST I received a call from XXXX by someone identifying themselves as " XXXX XXXX '' from " Diversified Consultants ''. He stated that I owed ~ {$450.00} for a delinquent XXXX XXXX bill. I immediately hung up, as I am on auto-pay with my XXXX account and checked while on the call that my balance was {$0.00}. I hung up to call XXXX to validate that they initiated the collection activity, which they denied and stated my account has never been in arrears. 
I called XXXX back and talked to them again. While attempting to verify the account they gave an address that I have never lived at. Apparently they were calling all the " XXXX XXXX '' s in Minnesota trying to find the right one. Either this is fraudulent activity or a highly suspect methodology for attempting to collect a debt. 
I would appreciate the company in question being warned against blanket calling like this. If I receive another call from them I will take legal action, as I 'm sure they are attempting to add someone else 's delinquent bill to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax credit needed to take off XXXX collections items off the credit report that were paid in full showing on credit report dated XXXX/XXXX/2015. XXXX contracting services/XXXX in the amount of {$1300.00} and XXXX hospital in the amount of {$900.00} were paid in full and are still showing on another credit report from Equifax that I paid for on XXXX/XXXX/15 and again another report which purchase on XXXX/XXXX/15. The confirmation numbers are XXXX and XXXX. Not only did Equifax take them off they reduce my credit score nearly XXXX points. So, I pay off a medical bill and they take away from my score. Equifax needs to remove these XXXX items from my credit report right-away. Equifax Credit not only did they not remove the XXXX items from my report they were past thirty days giving me a response in both disputes. Equifax wants to keep XXXX down so they can keep chains on people. They seem to be corrupted as many other companies. Where is your integrity Equifax? The account number for XXXX is XXXX and XXXX is XXXX is also reporting this same information incorrectly and needs be remove from my credit report right away. They did the same exact thing that Equifax. They also brought my score down XXXX points. I ran my XXXX score/ XXXX credit report from the Equifax.com website XXXX times which cost me {$16.00} to {$20.00} every time the report was printed. The reports included Equifax, XXXX and XXXX credit report and scores for all credit reporting agencies. 

The only one that is reporting correctly is XXXX. XXXX and Equifax are not being regulated by no one. Help Me XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our previous mortgage loan servicer, Specialized Loan Servicing LLC, has denied receiving our payments during the past ten months. This is despite our continued on time payments. ( We do have bank statements showing receipt of funds, dates and check numbers. ) The new loan servicer is XXXX XXXX XXXX SLS refuses to discuss the status of this loan with XXXX who needs to have the payment record to fund our new mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with CORELOGIC INC (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I had a credit inquiry on XXXX XXXX, 2015 by CREDCO, which I never authorized them to hard pull my credit score. I searched this agency online and it came out this company works with XXXX XXXX. I talked with a mortgage loan specialist from XXXX XXXX that day but he never asked my SSN, and also never asked to run my credit report. But to my surprise, without my permission XXXX XXXX pulled my credit report. I want to see if there are any possibilities to get this inquiry off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (I do not know) with Penn Credit Corporation (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive frequent calls, sometimes multiple times in a day, during non-business hours for the past month. I have never been in debt and owe no debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I sent them a final payment, a restrictive endorsed check for {$25.00} which is legally binding. The terms were that by cashing my check, they are accepting my agreement to delete the account from all XXXX credit bureaus. If they did not agree, they could have simply sent my check back as stated in the letter that was enclosed. I have attached my cashed check and the letter I sent. This was deleted from all XXXX bureaus and have been re-inserted without notification which violates the FCRA 's Notice to consumer, that, " If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ''

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 12/22/2016 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have repeatedly disputed unauthorized inquiries on my credit reports with Experian, XXXX, and XXXX in regards to inquiries by XXXX, XXXX, and XXXX. I even went so far as to send letters to the companies with the dates of the inquiries and requesting they be removed as I did not authorize them. 
From the credit bureau disputes, all I get over and over is " its factual '' and nothing is done. From the letters, I get the same thing. I have been a victim of Identity theft not once but at least 3 times. I have put security freezes on my ss number and still I have all of these inquiries. Not XXXX of these companies can show me a signature proving I authorized these inquiries and I want them removed. 
I know that there is a civil remedy available to me, however I would really rather them just do the right thing and take the inquiries off of all XXXX reports. I am not in the habit of suing people I just want it fixed. 
Please assist if possible.

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 06/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My interest rates changed and monthly payments are now over {$1000.00} per month. I am a XXXX and can not afford this monthly payment. First phone call-XXXX XXXX : I spoke with XXXX and XXXX. I was told that I do not qualify for any repayment plans because of my co-signers. I have no other options but to pay an amount that I simply do not have access to. I have never missed a payment in the past and was told after three incomplete payments they will turn my over to a collections agency. I was later told that I may qualify for the co-signer release program. The woman I was speaking with submitted the paperwork for the co-signer release program and explained that all I would need to do was sign the form and return it. <P/>Second phone call- XXXX XXXX : I spoke with XXXX . I was told that no paperwork had been started for the co-signer release program and was again told that I have no options but to pay $ 1000+ per month.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act XXXX XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Account opening, closing, or management

Complaint: I opened a new checking account with Citizens bank in XXXX 2014 with a promotional offer of {$200.00} that I received in the mail. The requirements in order to receive the offer were to make an initial minimum deposit and then at least five debit card transactions in the following month. About three months after I had completed the above requirements, I had not yet received my promotional credit, so I went into the branch and they told me that I should be seeing the credit by the end of XXXX. Come XXXX, I stopped into the branch office again to bring up the issue. They looked into my account and confirmed that I had met the requirements, but would have to investigate further because they do n't have any information on which teller opened the account for me or the promotional code that she entered for my account. A few days later, they called to tell me that they could n't find my name and address in the record of people that they distributed that specific promotion to. Unfortunately, I did not have this coupon saved from six months ago, so there was no way for me to show them the coupon that I clearly remember receiving in my mail. After speaking to the manager about the situation, he offered to credit {$100.00} to my account and told me there was nothing else they could do because my name did n't show up in their list of " selected individuals '' to receive that promotional credit. I feel like Citizens is using misleading promotional offer as a marketing scam to attract new customers and then hoping they either forget about the actual credit or telling them months later that they are n't eligible to receive the offer after they had already completed the stated requirements.

Company response to consumer: Closed with monetary relief