milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Other transaction issues

Complaint: On XXXX/XXXX/15 I sent a {$500.00} transfer to my sister in Texas. When she attempted to retrieve the money she was told that the funds were not available. I contacted customer service and was told that my transaction was under review because my name, XXXX XXXX XXXX, was similar to a name they have identified as a person who ca n't use their services. However, when I made the transaction I was not notified that there would be any problem. This is not the XXXX time I 've used this service. Each attempt to either retrieve my money back or make it available for the recipient has resulted in hours on hold and lastly transferred to the Dispute resolution department which automatically sends me to voicemail. I have never been able to reach a live person in that department. I have left XXXX messages with the Dispute Resolution Department and they have not contacted me. 

My {$500.00} were taken from Money Gram and neither I nor the receiver can retrieve my money. 

I have taken the following action to resolve the complaint:1. I have contacted Money Gram via telephone every day since XXXX/XXXX/15 and each time the customer service agents keep me on hold for hours ( not figuratively speaking, I have been on hold literally for hours ) while they say they are transferring me to the appropriate department. I get transferred from one agent to another over a span of approximately XXXX hours while on hold for about XXXX minutes in between each representative. XXXX representatives were extremely rude and hung up on me telling me they could not resolve my issue. 

2. I have also left XXXX messages for the Dispute resolution department and I have not been contacted. 

I have not been contacted by Money Gram at all. I need a resolution to this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My credit score- according to Equifax- dropped from XXXX ( on XX/XX/XXXX ) to XXXX ( on XX/XX/XXXX ). There is n't any legitimate cause for this score drop. In fact, I have paid down my student loans by approx {$4000.00} per month for the last 4 months ( as of XX/XX/XXXX, Equifax reports I owe {$100000.00} in loans, while XXXX ( loan servicer reports {$98000.00} ). I alos recently paid off 2- tax liens. I 'm extremely frustrated because my credit score consistenly is increasing with XXXX and XXXX but Equifax has me stuck in a tar pit. Screenshot attached regarding discrepancy between XXXX ( 1st screen ) and Equifax ( 2nd screen ) reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (I do not know) with The Law Offices of Mitchell D. Bluhm & Associates (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection company is currently reporting XXXX inaccurate and false information on my credit reports. The credit reports state that I owe XXXX hospital {$270.00} and {$350.00} which i do not owe and have never received notification of any collection account activity. This information was disputed with XXXX and XXXX credit bureaus. XXXX accurately deleted the inaccurate account, but XXXX updated the accounts to show that it is closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My father and i have the same name, he is XXXX and i am the XXXX. His credit card is showing up on my credit report.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hello to whom it concern I have asked Barclays to validate this date multiple times. They keep saying this so called debt is verfied but they havent sent me documnetation of this debt and its on credit report. The law states they must provide proof to these debt. They havent provided no documentation at all.

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 Debt collection (Payday loan) with LDF Holdings, LLC (AL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I lost my job in XXXX. I paid XXXX and XXXX and the first payment for XXXX but was unable to pay the second installment for XXXX. I received an email notice of the missed payment on XXXX, which I responded to and received a very cordial response. The day after the email conversation, the phone calls began, up to XXXX calls a day. I have tno is explaining to them even sending a second email stating that I would pay no later than XXXX XXXX, as I have gotten another job with a start date of XXXX/XXXX/17. I finally sent a Cease and Desist email XXXX and another on XXXX after the calls continued. The calls have began this morning again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: UNFURTUNALLY ON XXXX/XXXX/2018 COLLECTION AGENCY GOLD KEY WANTS TO COLLECT AMOUNT THAT I DONT OWN AND THEY DONT WANT, TOTALLY REFUSED AND OMITING TO PROVIDE PROOF OF THAT DEBT ALL WAHT THEY SEND IS A BILL FROM THE XXXX AND A BILL FROM THEM. 
IS INCREDIBLE THAT THEY DONT PROVIDED PROOF OF ANYTHING AND THEY TRYING TO COLLECT MONEY FROM NOTHING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
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: This is the fourth complaint against my bank on a XXXX XXXX mortgage which payments started being made XXXX XXXX. This is my fourth complaint against XXXX in failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my VA mortgage loan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull's-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my XXXX XXXX loan submitted to the appropriate credit bureaus. Each time, I call XXXX they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX is not reporting nor showing all of my payments that have been made on my XXXX XXXX XXXXoan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
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: Designed XXXX account with XXXX XXXX XXXX Hospital is reappearing and reporting a collection account of {$89.00} that was previously disputed in 2014. All credit reporting investigate along with the receipt for payment to XXXX XXXX XXXX hospital as paid in full and remove from all credit bureaus. Now designed receivables is still reappearing on all credit bureaus reporting lowering my credit scores. Along with them is the PayPal credit cards that received their payment and reporting as late pay on all credit bureaus reporting, my credit scores. Please investigate and correct my reports. Thank you. 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 03/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Settlement process and costs

Complaint: Ocwen is holding my depreciation check for $ XXXXXXXXand I am current on my mortgage they first applied it to my mortgage I call ocwen they told me they would release it but instead I a call from an inspector for ocwen stating he need to make another inspection. This same person had done one inspection and then came out he did another one at that time he stated repairs was 90 % done and no followup would be necessary. A certification of completion was faxed to ocwen by roofer XXXX XXXX. So I want to know if ocwen has the right to hold my funds and take me back through another inspection.I feel ocwen is taking advantage of me. This is not fair to me. owcen has being a thorn in my side.

Company response to consumer: Closed
Consumer complaint received 03-10-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Good Morning, A third party collection agency by the name of XXXX XXXX XXXX is affecting my credit monthly and it has now become so ludicrous that I was advised by XXXX to file a complaint. As of today there are three debts in the amounts of {$1300.00}, {$930.00} and {$950.00} that was placed on my credit back last year which caused my credit score to decrease drastically at that point. Every month XXXX XXXX XXXX has been purposely deleting and then re-adding the debts back which in return causes my credit score to decline even more. XXXX   and XXXX have both looked into this issue and have blocked this Agency for placing anything on my credit all together. XXXX have failed a misuse claim as well. XXXX has performed this tatic on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and once again on XX/XX/XXXX. 

I ask that you look into this a resolve this within a timely manner.

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 09/22/2016 about Student loan (Federal student loan servicing) with ACS Education Services (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I applied for an economic deferment in XXXX of 2016 when my current deferment was ending. they kept requesting more information and I kept sending more information mind you each time took XXXX to 3 weeks for them to process. then they reported me 60 days late even though I had been going through this process the entire time. Finally after over 10 phone calls and XXXX faxes they applied my deferment retroactively. They refused to remove the lates even though I was in deferment. According to section XXXX they need to be reporting accurate information. How could I be late and I 'm deferment at the same time? They have been absolutely awful. This is literally XXXX of the most frustrating experiences I have encountered. Please help! 
.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Collection Accounts identified as ( XXXX XXXX ) on my Transunion Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked TransUnion to delete these accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as of todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the XXXX Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, TransUnion needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports.

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 09/23/2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am a XXXX American Veteran ( XXXX ), and in XX/XX/XXXX the Department of Veteran Affairs ( VA ) erroneously input my Social Security Number ( SSN ) as " Deceased ''. The Dept. of VA corrected their files in XX/XX/XXXX and I went to my local Social Security Administration ( SSA ) office and had my Social Security Number ( SSN ) reaffirmed. All government agencies and credit reporting agencies have removed my SSN from being DECEASED, except for EQUIFAX reporting agency. I have submitted the SSA office reaffirmation letters, my drivers license, social security card and military ID card to Equifax TWICE ; but they still will not reinstate my SSN as active on their files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account is showing up on my XXXX report as negative. Also it is showing up a a foreclosure. This needs to be corrected with XXXX  and XXXX. Please alert them of this reporting negative on my XXXX report. All other agencies have corrected it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (I do not know) with F.H. Cann & Associates, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company F.H. Cann and associates keep calling me about a debt that my brother owes. This has repeatedly called my number even after I told them not too. I just want them to stop calling because I have no idea where he is and to my knowledge my brother never had my cell phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Due to delays processing my refinancing, I overpaid by about ~ {$300.00}. I have contacted XXXX about this issue and have not gotten a response. I would like them to refund me the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My property has been in the Short Sale Process for over 2 years. They refused to accepted an offer that was submitted to them, did not counteroffer and closed the file. I filed a complaint with your department and they agreed to re-open the file. They have just informed me that the new offer we sent which was much higher then the previous one is too low and have closed the file and did not counteroffer us. After serious negotiations with the foreclosure dept. we were able to get my file re-opened and 15 days later they are attempting to close it again. My property is scheduled to be auction off on XX/XX/2016.

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 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: It's a company card

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 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: Public record information inaccurate

Complaint: I had a dispute with the IRS for tax year   XXXX   which was successfully ruled in my favor. During the dispute process CA state issued a tax lien against me. They later reversed this lein as it was issued on false information gathered from the IRS. The lien was released less than  two  months later but had already been placed on my credit. This should be removed from my credit report by all  XXXX  credit agencies not just shown as released. Again I never owed this money therefore the lien should never have been filed and the credit agencies are reporting it as if I did and paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (I do not know) with Colony Brands, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midnight Velvet is placed on my credit as a debt and I DO NOT OWN this acct. I have sent a letter asking for what actions we 're taken to prove this debt was mine and nothing has been received within their 30 day frame. This is a mark with all XXXX credit bureaus and making me look unworthy. This is not my debt and I want it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On XX/XX/XXXX representing BANK OF AMERICA, XXXX XXXX XXXX XXXX, sued me in state court for an alleged credit card account that I have never seen before. The debt was disputed from the beginning. Neither Bank of America XXXX XXXX XXXX XXXX XXXX could not validate and verified the debt. In court they filed an affidavit that was prepared and signed on XXXX XXXX, XXXX. The affidavit calls me a " defendant '' 1 year and 3 months before I was sued. This type of affidavit ( bogus ) was penalized by the OCC. Bank of America and FIA Card Services paid XXXX XXXX after a Consent Order XXXX and XXXX dated XX/XX/XXXX. According to this Consent Order, BoA has violated few months later by doing exactly the same thing they promised not to repeat. The plaintiff has not filed any contract or terms and conditions with the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (SC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I booked a vacation home with a vendor and the vendor request payment via  XXXX . So, I used my  XXXX  account to make the payment directly from my bank account. Unbeknownst to me,  XXXX  automatically created a credit account without my consent. I did not want a credit card account with  XXXX . This scam has been widely reported. I thought I was paying with my bank account and then a few weeks later I got a credit card wiith a bill. I immediately paid it off and never used the credit card. I few weeks ago, I had another vendor for a cleaning service request payment via  XXXX . Again, this went on the credit account that I never wanted to use and I got another bill.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Activehours (NC).
Issue: Loan payment wasn't credited to your account

Complaint: Bank account balance is still wrong

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX ( likely XX/XX/XXXX ), I called XXXX XXXX XXXX, told them I wanted to pay off my mortgage loan, and asked them how much money I should send in and whether I should send it to them or send it to PNC Mortgage ( the company taking over the loans on XXXX XXXX ). They said I should send in {$18000.00} and said if I send it before XX/XX/XXXX, I could send it to them, or after XX/XX/XXXX I should send it to PNC Mortgage. On XX/XX/XXXX, I wrote a check for the amount they said I should send and sent it to XXXX XXXX XXXX. Although they had given me the impression that they would process the pay-off, they sent it to PNC Mortgage. PNC called on XXXX XXXX and said I did not send enough money and please call their Pay-off Department. On XXXX XXXX, I called to complain. On XXXX XXXX, they called to say that XXXX XXXX gave me the wrong amount, and I still owe {$130.00}. 
On XXXX XXXX, I received a statement saying I owe a recording fee and interest on the loan from XXXX XXXX to when I paid it off and that they are continuing to charge me interest even now. XXXX XXXX had told me nothing about these extra costs, so I called and told PNC ( on XXXX XXXX ) that I will be filing a complaint.

Company response to consumer: Closed with explanation