milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: EXPERIAN refuses to comply. Credit reporting laws ensure that bureaus report only XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I have requested this information twice already? XXXX refuses to send verifiable proof and comply with the laws set forth by the FCRA. This is a deliberate violation of a Federal Law and I want these account removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX Telephone : ( XXXX ) XXXX Date of Birth : XXXX/XXXX/XXXX SS # : XXXX DISPUTE LETTERS SENT XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Credit reporting laws ensure that bureaus report only XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX A Account Number : XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

I ALSO HAVE CERTIFIED RETURNED RECEIPTS VERIFYING THAT EXPERIAN HAS RECEIVED MY REQUEST DATED XXXX/XXXX/XXXX AND 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 non-monetary relief
Consumer complaint received 04/23/2015 about Payday loan () with Guidiville Indian Rancheria (IN).
Issue: Can't stop charges to bank account

Complaint: XXXX indiana I borrowed XXXX from multi source payday loan company can not contact anyone from this company they send no email to let me know they are taking more out each month so far I have paid XXXX $ on this XXXX loan

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Money was not available when promised

Complaint: I attempted Western Union money transfer to another country ( XXXX ) using the service they call " WU Pay. '' This is an on-line billpay type transaction which Western Union advertises as allowing for funds to be obtained by receiving party in about 2 days. My account was debited on XXXX/XXXX/15 and as of XXXX/XXXX/15, my father was unable to obtain the funds. Multiple phone calls to Western Union were made with representatives assuring me that it had been cleared and the funds were available but he could not obtain the funds. On other occasions, I was told that there had been a hold on funds which was subsequently cleared but the recipient was still unable to receive the funds. I attempted to speak to supervisors but was told they were unavailable. My money is still being held by Western Union although they state they will refund it " after 5 business days. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Pulled my credit due to trying to buy a house. I found that I had a medical collection from Central Financial. This is a medical debt from XXXX XXXX Hospital. I sent a dispute in on XX/XX/XXXX stating I provided both insurance to the hospital. My XXXX XXXX was already in the system but when I started working and had XXXX added at the time of visit. XXXX XXXX removed my XXXX XXXX and just added XXXX. This was the only insurance billed. The sent notification back stating I verbally gave only 1 insurance information and will not remove the collection nor stop collection. I called back on XXXX XXXX and the agent I spoke to went through the entire account and realized the account went into collection XX/XX/XXXX. I called in on XX/XX/XXXX letting the agent know that I had a secondary insurance that should have been billed. He stated that it was 2 accounts in the system and the agent notated only 1 account and that 's why they are only pursing that 1 account. He told me to send in another dispute stating the information that was given. I called today to see if there was an update on the second dispute. I was told by the agent that I was not allowed to do a second dispute and also they just received the second account in XXXX that also need to be paid. I know this information is not true due to the fact that both accounts was in there office when I sent the first dispute in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (VA).
Issue: Managing the loan or lease

Complaint: Prestige financial constantly uses tactics such as harrasment and providing false information in an attempt to receive vehicle loan payments. I was advised for my XXXX 2015 payment that I owed an additional {$340.00} in fees. I received no advance warning via mail, email, text, or telephone although they constantly use those methods ( excluding mail ) to harras me if I am one day or more late with making a payment. I requested Prestige provide me with breakdown of additional charges on XXXX/XXXX/15 and as of today have not received any documentation, and am still being harrassed to make payment for fees. Prestige has reported multiple inaccuracies regarding car loan, and it has gotten to the point I dont even know my accurate loan balance. The online system reports one amount, and the representatives give you another amount. Prestige financial uses predatory lending practices and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I 've been attempting to enroll my wife in the free Equifax/TrustedID credit monitoring program for the last XXXX weeks. 

After submitting the initial data for the enrollment she received an email with a link to continue her enrollment. When she attempted to use the link it indicated that she 'may ' have already enrolled and to just log in. Login was not possible because a password was never generated and/or received. 

I called the customer service number and the agent enrolled her over the phone and said she would receive an email to sign in and get a password. No email was ever received. I attempted to request a new password with the 'forgot my password ' link but no response was received. 

A second call to customer service confirmed she was enrolled and suggested trying the 'forgot password ' ; when I told her we had tried that several times with no response she gave me another number. I 've been on hold to that number for XXXX now. 

The recorded message suggests logging in to help.equifax.com to 'chat ' with a CSR.  There is no 'chat ' function to be found on that or any other equifax pages.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: My wife and I applied for a refinance in early XX/XX/XXXX of our Florida property and we were consequently denied because Bayview Loan Servicing LLC is now claiming that our loan modification was more than 180 days delinquent. This was not on the credit reports when we got the original mortgage loan in XX/XX/XXXX. Our account with Bayview ( XXXX ) has been paid as agreed since the contract started in XX/XX/XXXX. We have diligently been working with Bayview since XX/XX/XXXX and provided them with the necessary documentation to resolve this issue. We have supporting documents including a payment history from Bayview Loan Servicing showing pay as agreed and that our loan is current. We even filed a dispute with XXXX to have this remove from the credit report. XXXX is in agreement that the loan was paid as agreed. We had made several attempts at communications with Bayview 's customer service department only to get the same response that we need to send over the credit report to us to review and we will get back to you. This is has been happening for the past 2 months with no resolve in sight. Can some one please help us to resolve this as it is ruining out credit standing. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax has already had 60 days, lied on their results according to XXXX Bank, XXXX XXXX XXXX, and XXXX XXXX XXXX since those XXXX banks claim that they never reported anything to Equifax due to ongoing investigations yet I have a copy of the letter that I sent to my lawyer who seems interested in why this has happened. All communications to me will cese as my lawyer is now incharge of communications now and for pending legal issues, I am unable to contact further.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I never use XXXX in my live and i never been. Btw i just get my SSN since 2012 so please please respond me at XXXXXXXXXXXX or call me XXXX to discuss this matter. Ty so much

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 12-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland credit management is attempting to collect on a debt that is not mine. I have started receiving collection letters from them in XXXX of this year stating they are collecting on the bad debt that they purchased from XXXX bank for the amount of {$2200.00} for account # XXXX however, I never had a XXXX bank credit card or any other XXXX bank accounts ... I have contacted XXXX bank who confirmed there was NO bad or any outstanding debt from my to them. THIS IS AN ILLEGAL COLLECTION AND MIDLAND IS NOT WILLING TO DELETE THIS FROM MY CREDIT REPORT EVEN AFTER I SERVED THEM WITH A LETTER FROM XXXX BANK STATING THERE WAS NEVER A BAD DEBT IN MY NAME WITH THEM!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (I do not know) with Credit Management Control, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: received call from " Credit Management Control '' who left a voicemail for someone other than myself. As you can see from the contents, the information provided violates federal law. 

" Hi, we have a message from Credit Management Control. This is a call from a debt collector. Please call XXXX between the office hours of XXXX and XXXX Monday through Wednesday and XXXX to XXXX Thursday and Friday. Thank you. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with EdFinancial Services (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: As a new college grad I found my first job after the economy was at an all time low which made the ideal high paying entry level job a false hope for most of us entering the job market. I struggled to pay my student loans but made the payments on time, utilizing the forbearance option when money was tight. While thinking I was on this program two consecutive months the payments were actually late which would change my life up to this very day. The student loan company Ed Financial broke my loan down to XXXX different loans which they reported to the all the credit bureaus as 22 late payments. My credit dropped instantly and although this was 4 years ago there 's no way to repair credit or creditors to trust you with such a negative payment history even if I made hundreds of on time payments going forward. They refuse to remove them even though it is a complete violation of fair credit reporting since it was two late payments not 22. This is effecting my life my future and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (AZ).
Issue: Billing disputes

Complaint: The account has been open since XXXX. It has been in good standing with no issues. Payment has always been made on time, and well over the minimum payment due. 
In XXXX I traveled the world and did not have a steady mailing address. My credit cards are all set on auto pay, however XXXX never activated the auto pay and I had many issues with this. If my payment was due I would typically pay online, or over the phone. In XXXX XXXX I never received notice that I had an outstanding bill due. Finally, well after the payment was due and after I was reported to the credit bureau I received notice that I had a payment due. The minimum payment was for about {$120.00}, to show good faith and make sure they knew I was not trying to dodge my bills I paid {$1000.00}. I was told my account was in good standing an no further issues.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Trouble during payment process

Complaint: I have several concerns with this preditoral company. the first thing is that this company adjusted my escrow amount and i was never notified concerning that. I had been paying my original amount for mortgage and didnt know that the escrow had increased which caused my payment to increase. Once receiving a copy of my credit report i saw i was being reported late by Ocwen. To find out what they were doing was taking what i was paying holding part and applying the rest to the escrow difference so it looks like that i am not paying my mortgage on time. I tried to do a VA re-finance last month and they had reported me late and i wasnt late so the finance company pulled out. I paid my mortgage on  XXXX / XXXX /   17  and they said I paid it  XXXX /17/ I have the receipt from when i paid this. This company is thief. I need help in this matter. I even asked them since i never knew that the escrow switched before hand wont you just apply the escrow difference to the end of the loan. They keep saying we need to talk with the loan investor. Never got and answer. All these items above have dinged my credit and it has hindered me in doing personal things in my life. if you check my payment history I always paid on time according to what i knew.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Student loan (Non-federal student loan) with ACS Education Services (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am still a student, and have attempted to submit deferment papers to the company unsuccessfully several times. They repeatedly return my forms citing excuses such as " the date is in the incorrect format, we need mm/dd/yyyy and you gave us mm/dd/yy '', " your bill has not yet been paid so we can not accept your deferment '', and " your bill is not yet due so it is not necessary for you to submit a deferment until next period ''. It seems as though nothing will allow them to accept the form. After the most recent return in which they cited " your bill is not yet due so it is not necessary for you to submit a deferment '' which was for my bill due XXXX XXXX of this year, I resubmitted a form at the beginning of this month ( XXXX ) so that I would not be liable to pay for my XXXX bill since I am still a student and it should be in deferment. They have simply ignored this form and I imagine they will wait until after XXXX XXXX to reject my form and tell me to submit another XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been trying to get my loans removed since Ive heard about the XXXX situation not only have Ive been harassed numerous times about the loans but they promised me a job in the medical field and majority of the health facilities I attempted did not take XXXX interns ... its been 8 years and on my credit I have an outstanding balance for student loans thats the only thing hurting my credit score and stopping me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: Before opening the CitiGold checking account, I had spoken with a CitiBank agent over the phone to find out if I qualified for the offer to open a CitiGold checking account and receive XXXX miles as a bonus for opening the account. She assured me I qualified, and to apply online, so I did. Initial contact with CitiBank via chat assured me I had met the qualifications in XXXX 2016 and would receive the miles by early XXXX. 
Today, XXXX XXXX, 2016, I communicated via chat with a CitiBank rep who told me I was n't targeted for the XXXX bonus miles offer to open a CitiGold checking account, therefore would not be receiving the XXXX bonus miles. I even showed the chat log I had saved and was told they could not honor it regardless of previous communications to the contrary.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: According to NY State law, reporting agencies must remove paid charge-off accounts 5 years from the moment the account went first delinquent. Experian does not seem to comply with the NY ruling. Experian recognizes the DOFD and settlements instead of the charge off date and full payment.. <P/>Account # XXXX ( opened on XX/XX/XXXX ) was removed from XXXX and XXXX as per NY state law. Experian is still showing this negative item. <P/>XXXX ( opened on XX/XX/XXXX ) was removed from XXXX and XXXX as per NY state law. Experian is still showing this negative item. <P/><P/><P/>Experian needs to comply with NYS laws and not interpret their own ways of handling this.

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 01/19/2018 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: Exchange Collections Department claims that Transworld Systems Inc has a debt in which it was stated that I owed over {$9000.00}. That is totally impossible. Today I received a statement and the company was unable to pull up an account in my name or by the account number I provided. Something is going on that is not legal. I pay $ XXXXmonth as agreed when I found out about this, but this statement also states, If your debt is submitted to the TOP by either XXXX or the US Treasury ... then you may not receive another notice after this one before funds due you from the federal government are offset under TOP. I called these agencies today to inquire about this since I am making payments as I agreed that I would. I do not have anything to offset from the government, plus the balance changed by over {$6000.00} since I spoke to Transworld. Yet they are unable to find an account in my name. XXXX is the last person I spoke to. I dont know who this company is or what kind of scam they are pulling, but this is unacceptable.

Company response to consumer: Closed with explanation