milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Recently, my credit report had an unpaid collections report from Hunter Warfield Inc. XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. They state that I owed XXXX. I have told them and the XXXX that they bought the account from ( XXXX XXXX ) that I have never had any business interactions with XXXX XXXX. I invited XXXX XXXX to send the information to me by mail and they refused to do so. I also invited Hunter Warfield to send the information to me by mail and they also have failed to do so. Because of Consumer Fraud risk, I do n't give out personal information on the phone nor do I pay a bill just because someone thinks that I owe it. Engaging one in a conversation about a nonexistent bill is a perfect way to get personal information from one who is unsuspecting. I told XXXX XXXX to send the information to me in the mail approx. 10 times. To date I have received no information. To my knowledge I have never interacted with them for any purpose let alone a business purpose. If they or Hunter Warfield, Inc have sent information to you indicating that I owe them money, I fear that this is fraudulent since I have never been sent documentation showing that I owe them money. Please have this item removed from my credit report ASAP. Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Bank account or service (Checking account) with BOK FINANCIAL CORP (NM).
Issue: Problems caused by my funds being low

Complaint: I left one of my bank accounts with Bank of Albuquerque unattended. I overdrafted and was not notified and got an overdraft fee. I checked my account 2 months later and accrued more than XXXX $ in extended overdraft fees. I am not currently in a financially stable position and can not close the account. It has been over a month since then and the debt gets worse. 

Naturally I am to blame for not checking on my account routinely, but I almost never used it. I should have received a warning. Furthermore, I have checked and it seems extended overdraft fees exist in a legal grey area, and there seems to be a lot of class action lawsuits for this sort of thing. Argument being that it is not a fee for a service, and so it must count as a insane amount of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: Case # XXXX I asked to disable my GDAX ( Coinbase ) access because I was robbed of my phone. I requested via email to reactivate my account on XX/XX/2018. They sent me system generated email without a ETA. 
I called via phone on XX/XX/2018. It took me an hour to reach the customer representative. She sent me an email asking me a few questions and told me a specialist would work on it. Again, an ETA is not given. I responded right after I received the email. 
Until now ( XX/XX/2018 ), I have not heard back from GDAX. And I have {$5000.00} on my account that I'm not able to access or cash out.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with Innovis (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I went into the bank to get a loan on the credit report serviced by cbc innovis it shows that I have over {$56000.00} all on student loans on the balance, I have a duplicate student loan account XXXXXXXXXXXX x2 and XXXX separate smaller accounts which affected my credit score as well as not showing my payment history making it basically look like I have not been paying on my loans, and that the duplicate account from the same company ( XXXX ) was reported on the same dates with the same last activity, also including the same high credit/balance along with same information regarding both a past due amount on both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with Rash Curtis and Associates (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: rash Curtis & associate tel XXXX address XXXX XXXX I run my credit report in find out they had put me on collections explained the it was n't me they still keep saying it was me they had used somebody else information it linked with my I had a police report mailed to them and I had also disputed on XX/XX/2017 I had ask rash Curtis to send me all ER bills and you can see this person it is not me and they know that so I wanted to make a complained for this company run my identity not having enough proof they just because this person had the same name I did this is totally against the law my name is XXXX can you please help I could send the police report XXXX already has the dispute and I also have a copy so I dont't know what to do this people are not understanding I 'm been a victim a identity theft I have the police report and dispute but I need to scanned if you need it could be available for you as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Bank account or service (Other bank product/service) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: This is a complaint about Regions Bank and a warning to everyone out there about this banks on-going promotional frauds and consumer abuse. They advertise numerous promotional bonus offers to consumers to open a new bank or credit card account - offers which specifically offer dollars bonuses ( {$100.00} ) - but BEWARE - after you sign up - getting the actual bonus will be an outrageous hassle. This bank appears to have an organized scheme to delay and deny ACTUAL PAYMENT OF THE BONUSES by stalling hassling and denying consumers under the guise of " confirming '' or verifying '' whatever comes to mind to frustrate the attempt to collect the bonus. Even letters to the president and CEO wo n't work. All you will get is more hassles. This bank is crooked in this regard so I would advise anyone and everyone to avoid opening ANY accounts with them. I am making Consumer Protection complaints and publishing notices everywhere in an effort to combat Consumer Fraud and Abuse by Regions bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: The paragraph below in quotes, taken from your response to our complaint is not fully accurate and if you look farther back on the account your representative should have made a note of the call in which they called our credit union.One of your customer service representatives did call our bank while we waited to be conferenced in, but she returned to the line and told us that our credit union does n't validate accounts over the phone. So, when we were asked again to do this on    XXXX   XXXX   XXXX      we provided the information that was provided to us previously by your customer service rep.     PARAGRAPH FROM YOUR RESPONSE " You mentioned in your complaint that you would like an alternative solution because you are unable to provide the previously requested documentation. On    XXXX   XXXX   XXXX     , during a phone conversation, we offered to do a conference call with the bank to verify ownership of the bank account used for payments. At this time, you declined our offer by advising your bank will not verify information over the phone. '' It has also already been explained to you that the following items are not something we can provide and if you reference previous letters from us, it explains why. So, you are still not providing a solution that is anything that we can provide, because we are n't given those things to provide! If you do n't believe it, then call the credit union and ask them!!!     Items you are requiring to validate account.   A bank statement, voided check or deposit slip from  XXXX   XXXX   XXXX   XXXX  that includes the full account number and name

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: For the past 6 months I have tried to communicate with XXXX in regard to the unknown errors they have placed on my credit. I am trying to obtain financing and i have put it off for months in hopes they would correct the errors/discrepancies but they have not .... I cant even get a response. I have even wrote the collection agency and they have ignored me as well. The same unknown collection account appears on my credit twice by the same company. To date the discrepancies remain. I have spoke with an attorney and plan to file a Federal Law Suit by XX/XX/XXXX if the following 3 accounts are not deleted by XX/XX/XXXX. I have already waited 6 months!! XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX ARS ACCOUNT RESOLUTION Account Number  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 03/26/2015 about Debt collection (I do not know) with CCS Financial Services, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other transaction issues

Complaint: I have a complaint against MoneyGram. For years I have been sending money to my wife using MoneyGram. 

On XXXX XXXX, 2015 I drove into a MoneyGram store and paid the fee to have {$990.00} transferred to my wife in XXXX XXXX. 
I then drove back home and called my wife and gave her the reference number I was given. 

My wife drove to the bank in XXXX XXXX, waited in line for 1/2 hour, only to be told the transaction had been blocked and shecould not receive the money. 

I then drove back to MoneyGram store and was told only thing they could do was to cancel the transaction. 
They also gave me a MoneyGram number to call. 

I called the MoneyGram number XXXX and was told that my name had been confused with someone else on a listthat they do n't do business with. The Agent, named XXXX, told me that they had corrected the problem, and that I should have on further trouble. 

On XXXX XXXX, 2015, I again drove into a MoneyGram store and paid the fee to have {$990.00} transferred to my wife in XXXX XXXX. 
I then drove back home and called my wife and again gave her the reference number I was given. 

My wife once again, drove to the bank in XXXX XXXX, waited in line for 1/2 hour, only to be told the transaction had been blocked and shecould not receive the money. 

I have XXXX complaints : ( 1 ) If MoneyGram is not going to honor the transaction, then they should inform you up front and not waste your time and gas money. 

( 2 ) If MoneyGram and the Government compiles " list '' of people they can refuse service, then there should be clear guidelines as to what is required to get off this " list '' ; or you should be given concrete reasons why you must remain on the list. 
There should be a process clearly spelled out for people who do n't belong on this " list '' to get off of it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Trouble during payment process

Complaint: SunTrust  Bank debited my mortgage payment account {$17000.00} on or about  XXXX   XXXX . They reversed mortgage payments that I had made in  XXXX   XXXX ,  XXXX   XXXX  &  XXXX   XXXX  on my loan. All on time and without incident. They took the money without my consent and used to pay a legal settlement they entered involving a bankruptcy trustee that had sued SunTrust for payments they accepted on my loan six years ago. Without my knowledge and without me ever being a party to that lawsuit, they settled the matter and used my money to pay for it. They intern filed a foreclosure suit saying that I was three months past due  (  the payments they reversed ) and would n't accept any future payments. The whole time I was paying timely on my loan. They basically stole three payments from me to resolve a legal matter that I was n't in.     I was forced to hire a lawyer to defend the foreclosure and eventually settled the matter by paying  XXXX  back as settlement for the  XXXX  they paid to the bankruptcy trustee. I also had to make all the payments that were due from  XXXX   XXXX  through  XXXX   XXXX . They received and cashed all the payments that were required in the settlement and yet now they are refusing to accept my  XXXX   XXXX  &  XXXX   XXXX  loan payments that have been sent to them via federal express each month. On  XXXX   XXXX ,  XXXX  I received a notice of default saying that I owe the  XXXX  payment and any subsequent payments, all that I have made to them and confirmed that they received.      Suntrust  has refused to live up to their end of the settlement and is now threatning me again to take my house. I do n't know what else to do. They must be stopped.

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 08/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Bank of America to save my home from foreclosure. I am completely XXXX in that I have XXXX as well as XXXX case that has rendered me unable to work. My husband also recently lost his job and is on unemployment. I recently was approved for XXXX benefits. Bank of America was aware of my situation and not only that, my file was active for short sale. The sale of XXXX/XXXX/16 was to have been postponed due to the active workout status but Bank of America sold the house and they are now refusing to revert it back to me and my husband. They had no right to illegally dual track, on the one hand have me in active work out status and then turn around and sell my house. They are discriminating against me because I told them I have difficulty getting certain documents to them and now, without any notice they sold my home. I have a XXXX year old ion the house and now with this foreclosure, we are going to be homeless, and I do not know what will happen. They have destroyed any possibility of me getting a new place to live and slapping me in the face with a {$2500.00} offer to move out of a home I have been in for 10 years. I also am a XXXX veteran, this war with my lender is not like any other. Bank of America even as of last week sent me a letter requesting that I provide certain documents to them for the work out, so why are they not rescinding the sale so they can actually help me and my family. Please HELP. God Bless you and God Bless America, do n't let these lenders put us out on the streets, I fought for my country.

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 02/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX we were contacted by our Mortgage servicer stating we had missed XXXX mortgage payments XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. We acknowledged missing XXXX of those payments, XXXX XXXX. We submitted our checking account balance activity for the period of time that the missed payments were to have occurred. We also included photocopies of the endorsed checks stamped by the mortgage company showing they were deposited into the mortgage company 's XXXX XXXX account. We submitted a written qualified request XXXX XXXX, XXXX requesting a researched answer to the amount in arrears. We also have paid {$800.00} towards the amount we believe we are behind. Nationstar acknowledged receipt of this letter XXXX XXXX, XXXX and said they had 30 days to respond but most likely would have an answer within 7-10 days. We have yet to receive an answer from their research department. We 've received several other confusing communications from them. XXXX XXXX, XXXX I sent another letter requesting a researched answer. We assert our overdue amount is {$1800.00} of which we have already paid {$800.00} of. Our figure represents XXXX missed payment {$1300.00} for XXXX XXXX and 10 months of late fees {$410.00}. 
The confusing communication from Nationstar has included saying our overdue amount is anywhere from {$5500.00} to {$2900.00}. We received communication saying we have varying amounts in unapplied funds. We 've received communication stating they are returning funds to us- though those amounts have been deposited by Nationstar XXXX Also their communication states we face acceleration and possible foreclosure. It seems like the left hand does n't know what the right hand is doing. As soon as we were made aware of this issue we have researched and done our best to become current. This lack of a researched answer to our dispute has caused distress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had multiple issues with XXXX XXXX and Navient. My loans have been at 16 % +. I have had to make multiple calls to try to get my interest rate reduced. I have been treated very poorly by XXXX XXXX and Navient. The staff there have made comments such as " Its a hard reality to have a student loan '', " maybe you should n't have went to school '', " we will not lower your interest rates, we do n't have that authority ''. There have been multiple other comments made by the company as well. 
When I was going to school there was not clear communication as to what was happening with my loans. I just went to an office on campus and signed some documents and was told everything was fine. When I graduated my initial bill was XXXX a month, I was unable to afford that payment. I had to call and was treated poorly by the company. This also continued as I tried to manage living and eating. I became behind in my payments related to surviving, however, did make some payment every month, I was called relentlessly and made to feel like I was the only person on earth not making payments. Again, I was at least making an effort to pay my loans. I am still paying on my student loans, and desperately need a XXXX XXXX XXXX in which I can not afford as I am still paying on my XXXX XXXX. I can not afford a mortgage payment related to the amount of student loans that I am paying a month. It seems as if there is no end in sight with paying off these loans related to the interest rates, and XXXXNavient has been of no help with having interest rates lowered to be able to pay off these student loans. 
I feel that I have been ripped off by this company when it comes to my student loan rates, and that they have made it impossible to be able to pay off my loans. I can also not consolidate my loans as they are private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I need your help in getting these incorrect address information and unauthorized inquiries removed from my Transunion Credit Report. Please remove addresses : XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX. This information is a result of identity theft.

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 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called these companies to have all my inquiries removed because some one tried to apply for credit cards in my name and was not authorized to do so. Now these are listed as hard inquiries on my credit report with the 3 bureaus. None of the inquiries have been removed yet. XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXXt- Hard Inquiry- XXXX, XXXX AMEX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX XXXX- Hard Inquiry- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I obtained a payday loan in XXXX from XXXX XXXX. My checking account was closed in XXXX due to someone committing fraud on it. As a result XXXX XXXX was unable to collect the debt. A few years went on and I got a call from XXXX XXXX as well as XXXX XXXX XXXX XXXX In XXXX I wanted to pay this old debt so I began communicating with both companies. A representative with Ad Astra as well as XXXX XXXX promised to delete the collection from my account if I paid the debt IN FULL. In early XX/XX/XXXX I paid the account in full at {$310.00}. The debt reflects a XXXX  balance. What Im upset about is that I have called XXXX XXXX 13 times to discuss the removal that was promised. I called Ad Astra 12 Times requesting that they hold their end of the bargain. They deny promising to delete the account and they told me that they will pull up a recording of the conversation to prove that they did not promise me to remove the account. I havent heard back from them. I would have not paid this account if I was not promised this Paid to Delete. Me paying no the {$310.00} didnt do anything to my credit score. Im happy its paid but Im very u happy with their collection practices. Please help. I can be reached at. XXXX

Company response to consumer: Closed with explanation