milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with GOLD KEY CREDIT, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX GOLD KEY CREDIT, INC. {$1300.00} GOLD KEY CREDIT, INC. {$250.00} GOLD KEY CREDIT, INC. {$66.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious GOLD KEY CREDIT, INC. {$1300.00} GOLD KEY CREDIT, INC. {$250.00} GOLD KEY CREDIT, INC. {$66.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the XXXX District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

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 06/14/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: My account was charged with several fraud charges out of state, I realized this when i tried to use my debit card. I filed a claim with the bank, I was given wrong information about how my automatic payments would be paid, I was told I would receive a form by mail, 3 times I was told that my claim was misfiled, so I went into the branch and explained to the manager and 2 days later she called me in to sign a document. This started on the XXXX and my money is just now being released.

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 10-10-2016 about Debt collection (Mortgage) with Professional Debt Mediation, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: .I filed dispute with XXXX XXXX XXXX XX/XX/2016 And they replied that debit was reported correctly. I 've researched and spoke with threatening debit collector and now submit documents, reciepts, photos of there claim that last month rent unpaid and damage to apt . Made up this fictitious debit. I was in Hospital XXXX and family paid my portion of Section 8 subsidised rent. They stayed in contact with management concerning my status.When I returned home there were no doors to my apt . XXXX. Management informed me they had removed doors because of my not answering them. I was XXXX ill and now homeless no clothing all was lost ( antique furniture, family photos, jewelry, electronics, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Went through refinance process with XXXX and elected to pay off XXXX of my XXXX federal student loans, the XXXX with the highest interest rates. Instead of applying the nearly {$6000.00} to those XXXX loans specifically and closing them, Fedloan spread out the nearly {$6000.00} across all XXXX of my student loans even though I have explicit correspondence with my refinance company about which loans are to be paid off with the funds. Fedloan has not resolved the issue and I continue to gain interest on the loans that should be closed due to error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Sir or Madam, how are you, i am attaching a packet of inquiries and many attempts of my inquiries that have been ignored and inquiries that have been inquired multiple times, which i wrote notes in sides. i even added which Bureau deleted and which did n't. XXXX is the worst to deal with and i have been dealing with these headaches for over 6 months now and not to mention time and money spent on priority mails. i hope to get this resolved soon so i can move on with my life. i am looking to refi my home and do not want to be homeless with my XXXX babies. please CPFB do as much as you can to remove this and i believe this will raise my score a bit and if not then atleast make me look presentable to my future lenders. i really appreciate your help. Thank You. PS.. please get back to me as soon as you can, i want to refi soon before the rates go up again.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this account belong to someone else please removed it from my credit report. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated - Credit Limit - Past Due Amount {$1200.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1200.00} Comments - Payment History

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 04/16/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other service issues

Complaint: Used a phone at a CVS on XXXX and XXXX XXXX, XXXX XXXX, CA and it did n't work after XXXX times of trying. XXXX I put in all the info and was waiting to be transferred to a representative it would discount. I went to another location ( XXXX XXXX ) which was a few doors down from the CVS. The manager of the store said he could n't do it with the paperwork because he had already closed it even though the store was still open but told me I could use a Kiosk that XXXX had set up there XXXX XXXX XXXX. I told him I would need to ask XXXX a question before starting and he informed me there was a phone there at the kiosk that he was told worked XXXX. It did not. It had a recording that said Monday through Friday and I do n't remember the hours. At any rate, I was there on a Saturday evening ( XXXX XXXX, 2015 ). I used the kiosk, put in the money and waited for the opportunity to put in a security question as the receiver did n't have ID. It did n't give me the option of putting in a security question put took my money. It took me over three hours from starting at a few minutes before XXXX XXXX at the CVS and then phone call after phone call to remedy the problem until after XXXX which put it into XXXX XXXX, 2015 ( California time ). When I called XXXX and explained the situation and that if their phone was not available with a representative at the kiosk XXXX and no instructions on the machine especially indicating that if the receiver did not have ID you could not use the machine as it would not let you put in a security questions it took several hours and supervisors, etc. and continually calling back before a kind female representative listened to what was going on and said she would put the security question in. As you can see on the paperwork attached it was only a matter of my giving them all the information from the receipt with the Reference number for them to put the security question in so the receiver could get the money. I was continually told, even by supervisors they could n't do anything because I used the kiosk. THEN THE KOSK SHOUILD HAVE INSTRUCTIONS AS TO WHAT IT CAN OR CAN NOT DO BEFORE A SENDER USES IT. And if not, then it is the responsibility of XXXX to make it right. If the rep I spoke to did n't finally take care of it for me so my son could get his money ( a day late and he needed it for food since he wallet was stolen ) I would have been out the {$25.00} and then had to send again a day later more money to my son. THIS IS NOT RIGHT!!! Their phones should be continually checked so that they are always working and the kiosk should have instructions before a sender uses it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-05-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: A couple years ago I was loosing my house I had a first and a second. I did a modification with a young man i cant remember his name. I was verbally told that the first would be modified and that the bank erased my second. I have not paid on the second for years, I 100 % thought that the second was erased because I have not received ANY paper or call or anything about that second ever since the modification. Well recently i got my self in trouble again and I was working with a Real estate agent, he told me we needed to do shortsale so I submitted my paperwork. After a few months XXXX came back and responded that they denied the shortsale because the property had equity and that the balance was XXXX Just like the modification had mentioned. So I decided to sell the house like a normal person would. Well when escrow was looking into the file they asked XXXX regarding the XXXX. XXXX took days and even couldnt find the loan. Finally they gave me payoff for the first and then gave me a payoff for the second. I could n't believe it, I have not heard a peep about the second at all and now XXXX comes out stating that they found the XXXX. I think its odd since the attached modification paperwork states my new loan balance and I was told by the lender that my second was wiped out. Evidence that they have not made contact in years regarding the second and it doesnt even show up in my credit report! Well I didnt know who to contact since XXXX sounds lost when i call them they couldnt even find the second on their system until days later or weeks in the case of the short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSWORLD SYSTEMS INC (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transworld Systems creditors has put a {$68.00} debt on my credit report including and left derogatory remarks on my XXXX XXXX credit history for a company I never heard of called XXXX XXXX and never received a bill from this source. I called Transworld Systems twice. They couldn't find anything on me through my name, ssn, address, nor phone numbers and refuse to clear that off my credit report. They told me to call XXXX XXXX for an account number and to call them back with the number. How XXXX must I be if they couldn't find me anywhere in their system. They need to be reported to XXXX. I am highly upset.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: This is my third report towards XXXX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of XXXX and XXXX as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that XXXX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as XXXX refused to help during the time they held my money without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: It has been years since I have been even a day late on my student loan payments but when I was informed that my husband was entering a training program that would significantly reduce our household income, I called Navient to see if I could receive a one month delay on my payments. I was told that they could not do that ; they may be able to lower my payments if I was interested in entering some kind of program but skipping a payment was not possible. I explained that a lower payment would n't help me because I just could n't afford it. They asserted that there was nothing that they could do. It has been less than 30 days since I missed my payment and I am receiving over 20 phone calls per day across 3 phone numbers ; two of which I have repeatedly asked them not to call. I am receiving calls before XXXX and after XXXX which is beyond harassing. During my last call with a representative this morning, I was told that not only would the calls not stop but they are going to continue to call the numbers that I asked them not to because they do n't think it is against the law. She then threatened that she was just going to call my cosigner next to tell her of the delinquency as if that was supposed to instill some kind of fear in me. I 'm going to continue my payments as planned on XXXX but since I was unable to make the payment in XXXX, I will remain ~28 days past due each month because I ca n't make " extra '' payments to make up for the ONE I missed. My concern is that these harassing phone calls will never end. There has to be a limit to how often they can call people. This is no way to treat consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm writing in regards to a response received for a dispute filed with TransUnion. I have been disputing since XX/XX/2016 information on my credit report regarding XXXX creditors - XXXX, XXXX/XXXX and XXXX. TransUnion has responded saying " XXXX-CONSUMER DISAGREES. '' They did not address the specific question I asked about. I was not asking for verification or accuracy of the accounts. My specific issue stated I consolidated XXXX loans, per the loan consolidation features, the loans that were consolidated should show a XXXX balance ( which it does ) and payment history removed. This has not happened, and was not addressed by TransUnion. Secondly, 1 of the creditors ( XXXX/XXXX ) is incorrect. The lender for that account is not XXXX. I even contacted XXXX, provided my SSN and they are unable to locate anything in my name with them. On this alone, this should be removed, but this was completely ignored by TransUnion. 
In summary, XXXX/XXXX is incorrect, and this fact was ignored by TransUnion. The other accounts were addressed but my letter and specific points were not, nor was any proof of documentation provided. 
I have attached a copy of my letter sent to TransUnion as well as their response. Also included is my identity verification. 
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 explanation
Consumer complaint received 01/23/2016 about Other financial service (Debt settlement) with ClearOne Advantage, LLC (LA).
Issue: Disclosures

Complaint: I sign on with ClearOne Advantage debt settlement program, XXXX. 2015. When I signed on with a rep name XXXX XXXX, I asked several questions about this program. In the conversation the questions asked several times if there will be a fee link to this service, 3 times I was told " we never charge a fee ''. Now I am being charge a XXXX % fee each time a creditor is paid. Then she indicated do no worry we will handle everything, contact creditors sure they are taken care of. They did not explain that in order for the creditors to be paid/settled that I had to " reverse '' money in order to start working with them. 
Now I am face with a creditor wanting to send me to collection because of their " false '' information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: On XX/XX/XXXX, I received a letter from XXXX requesting removal from my tradeline. Equifax refuses to remove account from files. Letter enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my condo in XXXX XXXX. When I refinanced, I had to show proof of hazard insurance XXXX home insurance ). I did that, that 's how I got to closing with the loan. When the escrow account rebalanced in XXXX, somehow, they forced their hazard insurance into my escrow account ( now mind you, I pay out of my own pocket for home insurance every year ). I called to complain about it, and it took several months to resolve. Once resolved in XXXX, there was an overpayment applied to my principal ( the overage was the insurance payment ). When my escrow rebalanced in XXXX, they did the same exact thing. I have complained to them several times. They have even done another escrow analysis and this time, they are charging me too much for my taxes. My taxes were {$1100.00} last year, this year they were reduced to {$1000.00} XXXX for some reason, the bank gave me the run around about how they were still assessing my escrow at the XXXX taxes XXXX. I informed them that my taxes had gone down, and it took me another XXXX phone calls to get it resolved. During this process, my mortgage payment should be less than {$1000.00}. Because of their inability to perform simple tasks, my mortgage payment were {$1000.00} for 2 months, then {$1000.00}. This is unacceptable that I have to pay for their lack of doing their jobs. I am now in the process of cancelling my escrow account, but I have been jerked around with this process also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Credit reporting () with Equidata, Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I, XXXX XXXX AND XXXX XXXX, HAVE DISPUTED OUR XXXX CREDIT REPORTS MANY TIMES, WITH LANDLORD TAKING US TO COURT, OBTAINING A JUDGEMENT, COURT CASE XXXX AND NON SUITING, XXXX COURT CASE XXXX SHOWING THEM THEY DIDNT SIGN THE LEASE, PURSUANT TO XXXX CREDIT FILE NUMBERS MENTIONED ABOVE THEY WERE NOT REPORTING, TURNING DEBT OVER TO EQUIDATA, WHOSE ACCOUNT # IS NOT MATCHING XXXX CREDIT FILES, AFTER DISPUTING DEBT AGAIN, CERTIFIED MAIL ON XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) ON XX/XX/XXXX XXXX CREDIT FILE # XXXX EQUIDATA SAID THE DEBT WAS PAID IN FULL ON XX/XX/XXXX A NOTICE OF SATISFACTION WAS GIVEN FOR DEBT, DATED BEFORE WE MOVED IN, XXXX CREDIT CONFIRMATION # XXXX ( XXXX XXXX, AND XXXX CONFIRMS THE JUDGEMENT WAS PAID ON XX/XX/XXXX WHILE EQUIDATA CONTINUES TO SAY WE OWE DEBT, SENDING A XXXX CERTIFIED LETTER ( XXXX XXXX XXXX XXXX XXXX ) TO XXXX, SHOWING THEM THEY NEVER SIGNED LEASE!!! 
OUR ADDRESS IS XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with IBERIABANK (RI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Iberia Bank Credit Card was cancelled online and via mail with XXXX balance due, and prior to annual fee being due. Card was then charged annual fee, then late payments were charged also. XX/XX/XXXX online contacted to remove fee, XX/XX/XXXX, Iberia email says dispute resolved, approved. XX/XX/XXXX balance of XXXX not credited, contacted again using their online service to ask why charges have not been removed, asked that they be removed immediately. XX/XX/XXXX Iberia email says transaction dispute approved. 
However, charges still appear. I also received a late payment notice dated XX/XX/XXXX. Obviously they did not clear it onXX/XX/XXXX as stated in their email message to me.

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