milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (IL).
Issue: Other transaction issues

Complaint: Hi There, Thanks for the giving an opportunity to represent the issueI transfer money through the WESTERN UNION on XXXX/XXXX/2015 to my family in XXXX. 
It was direct to bank transfer. 
The receiver did n't received money and i request for the refund, even they did n't refund my money. I provide them all the evidences they wanted e.g. banks statement of receiver 's which does n't show that money was credit. 
Humbly Request your office to look into it, hoping for the justice on the issue

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have owned my land line phone number since XXXX 2015. In that time from XXXX 2015 to the present time, I receive up to six calls from Portfolio Recovery Service every week and sometimes four calls in one day. I block the number on my telephone but they have so many different numbers they call from, it is not possible to keep all the blocked numbers in my phone. I absolutely have no debt owing, and have never been delinquent in terms of financial monies owing. The first few times when I did answer the call, they were very aggressive and would not even provide their personal details, except to tell me I owe them something. 

Following is a small list of some of the phone numbers they are calling from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Please help me stop these harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: i have a home loan with ocwen in XXXX ocwen started to sand bag my payments not telling as the year goes on i get a notice stating i am behind {$2500.00} buy there attorny i sent the law firm proof i am not behind while waiting to hear back i get another notice saying i oue {$4000.00} i cantacted the lawfirm and sent the proof again come to find out the law firm was fired do to them telling ocwen there wrong now few days lettter i find out XXXX and XXXX payments was sent back to me saying refused by payee now i get another notice says we now owe {$5000.00} and states our payment is over {$850.00} the payment is {$650.00} there and i still sent them there own paper work show we paid they moved the payment there rude on the phone help

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Remit Corporation (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: When I tried to apply to our credit union for a car loan, I was turned down due to XXXX outstanding debts on my credit report. Both were from XXXX XXXX XXXX XXXX ; XXXX in the amount of {$450.00}, the other {$170.00}. Both were dated XXXX/XXXX/11. I called XXXX to see how to pay these, and they said since they were so old, they could find no record of them. I even told them what my last name was at that time and gave them the address of where I was living at that time. I explained that on the credit report a company named Remit Corporation was listed as the debt collector, but they said they did n't know what company that was. They gave me the number of the company they use for debt collection, so I called them. That company is also telling me they have no record, using both my name or my social security number. So, if there is no record of these so I can pay them and get them off of my credit report, I would like to know why they are still there and PLEASE GET THEM OFF OF MY CREDIT REPORT! Thank you for your assistance.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX, account number XXXX ; 3. ) XXXX, account number XXXX 4. ) XXXX, account number XXXX 5. ) XXXX XXXX, account number XXXX 6. ) XXXX XXXX XXXX XXXX XXXX, account number XXXX ; 7. ) XXXX   XXXX, account number XXXX ; 8. )  XXXX XXXX XXXX, account number XXXX ; 9. ) XXXX, account number XXXX ; 10. ) Bankruptcy, case number XXXX ; 11. ) Bankruptcy, case number XXXX ; 12. ) Bankruptcy, case number XXXX ; 13. ) Bankruptcy, case number XXXX 14. ) Federal Tax Lien, {$170000.00} Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 06-06-2017 about Debt collection (Private student loan debt) with Capital Management Services, LP (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX sold XXXX XXXX to XXXX XXXX ( loan number XXXX ) also known and reported on my credit as XXXX - in XX/XX/XXXX. This private student loan was charged off in XX/XX/XXXXby XXXX XXXX. Capital management has been the collection agency on this loan : capital management XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The statute of limitation for this debt to remain on my credit in the State of Florida is 5 years. I graduated school XX/XX/XXXX. I did not make payment to this loan and it was first defaulted on XX/XX/XXXX. This loan should have been removed XX/XX/XXXX. XXXX has been fraudulently trying to collect on this loan through capital management, XXXX and XXXX XXXX. This loan appears on my credit report monthly as a defaulted negative loan to date. If the statue according to XXXX XXXX, which stated 7.5 years- this loan should have been removed from my credit as of XX/XX/XXXX. XXXX XXXX stated that a payment was last made XX/XX/XXXX- which would mean under the State of limitation in the state of Florida which the loan was originated and which I reside- this loan should have been removed XX/XX/XXXX. It is still being reported negativity reflecting on my credit adversely. Serving as a detriment to getting further credit approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XX/XX/2017   Reviewing my statement online, from Comenity   XXXX   XXXX   XXXX   XXXX    ;  I noticed fraudulent charges by  XXXX  :   XX/XX/2017  {$23 .00}   XX/XX/2017   {$54.00}   XX/XX/2017  {$54.00}  XX/XX/2017  {$ 43.00} for a total of {$170.00} I called up the credit card company immediately to report the fraudulent charges.    On   XX/XX/2017  I recei ved a form to fill out, asking me to list the dates and amounts of charges ; duplicating what was discussed in a phone call on  XX/XX/2017.     I tried to go online to look this up, and I could n't because the credit card company blocked my access. I call the company, and they claimed I reported a lost or stolen credit card.   I did no such thing and I let them know it.   After filling out their form with what little info I had, I made a rubbing of the credit card on the form I submitted. I asked them to send me copies of those statements in question.   Upon receiving these copie s on  XX/XX/2017 , I re-subm itted a copy their form, writing in the missing info they requested. Even though they had that info when I spoke to them on    XX/XX/2017  ; which they recorded for " training purposes ''.
 XX/XX/2017  I just received a not  ice of my statement available online ; so I proceed to check statement. The fraudulent charges were not removed, no credit was issued.   I called up the credit card company, yet again. It is very difficult to get a person from their phone menu. I spoke to  XXXX  employee ID #  XXXX , and queried her about the discrepancy. She told me it takes them 60 days to review it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Debt collection (Private student loan debt) with Weltman, Weinberg & Reis Co., L.P.A. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Have been trying to resolve a debt with XXXX XXXX XXXX XXXX ( XXXX ) but am unable to get anyone to help me. This debt was settled with Weltman, Weinberg and Reis LPA in XXXX 2017 and I have called XXXX at least 5 times only to be referred to their " legal team '' which then routes the call to Weltman, Weinberg, and Reis LPA who tells me the account is settled. Each time I call XXXX, the person answering the phone refuses to let me speak to any other person besides their " legal department '' which immediate refers to Weltman. The people at Weltman, Weinberg, and Reis have been very nice and accommodating, but they reply that they have marked my account as closed and there is nothing further they can do on their end, and they encourage me to call XXXX XXXX XXXX. I am becoming very frustrated as I have not received any documents in the mail from XXXX saying there is any balance owed, but it is showing an open collections account on my credit report. I have tried for weeks to contact each company and figure out what to do. I have followed up with XXXX, Weltman, XXXX XXXX XXXX, and no one is helping me. There is no contact information for XXXX XXXX XXXX to follow up with them, and I have no received any communication from any of these places to figure out what the steps are to get this debt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I spoke with a repersentive at XXXX to report a numerous amount of hard inquires that Im unaware of. They refuse to remove the inquires and directed me to the creditors in which theyve also denied my request to remove them. It was bacially like a back and forth situation.

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 11/14/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: When on XXXX XXXX I repeatedly tried to submit an online dispute on Citi 's Searscard website, it kept deleting the information XXXX TIMES. The seventh time it SEEMINGLY accepted my complaint. But, SearsCard has not recorded the complaint on my account, nor responded to me. Again, earlier today, I tried to resubmit my dispute, but XXXX times the bank 's website deleted my information. On the fifth try, it SEEMINGLY accepted it. But, still nothing shows up on my account. nor has the Bank acknowledged my dispute. I suspect that Cit SearsCard intentionally sets its software to reject disputes for a certain percentage of accounts. My dispute is " '' Missing XXXX items ( coffee mugs ) listed in the description ... .Basket has sharp edges.The merchant admitted that the shipment did not include the missing items. The merchant blames the mistake on its supplier in XXXX. The merchant keeps lying over each of the past four days, saying that a new shipment was sent, then saying that it was not sent, then saying that the XXXX supplier would contact me, then telling me to contact the XXXX supplier - I have no idea who the hell is the merchant 's supplier. The merchant promised to issue a full refund. Now, it wont. This is big FRAUD by SEARS. ". But, being blocked and or ignored by the bank, my dispute is not handled by the Bank. This is against the public interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On a past mortgage account I had with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, there was a delinquency that was reported in XX/XX/XXXX that is incorrect. For the month of XX/XX/XXXX my payment was sent around the XX/XX/XXXX. My checks were being sent to XXXX XXXX, VA XXXX as it was stated on the only document I had received since the start of the loan. I had not received any payment books or monthly statements either. A credit monitoring company emailed me saying my account was delinquent. I called XXXX XXXX and was told that my payments were going to the wrong place and that I was using the wrong loan account number. They were supposed to be sent to XXXX, PA XXXX. I was told that my payments were being re sent to PA and that the correct loan number that was not on my original document was being changed and that it would take up to two weeks to reach the correct XXXX XXXX. During that process it made my payment 30 days late. It is an error on XXXX XXXX due to the only document I received until I personally called and got all the correct information that i was never given. This error is drastically effecting my credit and possible future credit applications. I would like this error to be corrected since it was an error on XXXX XXXX and their guidelines state that they will correct any errors that occur on their behalf.

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 04-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended the University XXXX XXXX from XXXX - XXXX. After graduating I had problems finding employment in the XXXX XXXX field. As a result I requested Deferment of my loans due to Unemployment. 

Federal Loan Servicing refuses to modify my credit report where they claim I missed payments on my Federal Student Loans. I wrote to them twice requesting the change. I also opened a dispute with XXXX. The following was sent to Federal Loan Servicing on XXXX XXXX. This was my second request : RE : XXXX I am writing in response to the attached letter where my request to modify credit reporting was denied. Your agency reported my account # XXXX 60 days past due on XXXX, XXXX, and 90 days past due on XXXX. 

The attached documents, which I provided previously, reveal that my account was in Deferment due to Unemployment from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX. Therefore I was not required to make payments on XXXX, XXXX, and XXXX. I again request these erroneous marks be removed per the Fair Credit Reporting Act. 

I routinely submit my payments before they 're due, have not missed a payment, enrolled in XXXX XXXX XXXX XXXX, while my accounts are in good standing. 

Please make these corrections to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with TD BANK US HOLDING COMPANY (TN).
Issue: Late fee

Complaint: I have a Target card, it 's my smallest credit card and I only got it XXXX for the discount they were offering. I have otherwise great credit that HAD 100 % on time payments for 12 years until this little fiasco which has amazingly damaged my credit score. 
I got this card right before Target lost everyone 's bank info to criminals. They later changed their security to where it will never recognize my computer and requires all kinds of extra verification so that I can not ever seem to get into my own card online so I mail my payments as a check when I have a balance. 
Apparently it is taking them more than 10 days to " receive '' and " process '' my payments. I am currently owing them about {$75.00} which is entirely fees, after I already paid about that much in fees once already on a balance that was only like {$63.00} to begin with. ( I let my daughter use it for the discount to spend her birthday money and then forgot about it because I had an XXXX family member. ) So after the funeral I sucked it up and paid {$160.00} ( on an original balance of about {$63.00} ) due before the XXXX of XXXX which is the due date. Now I get a statement thinking this thing is paid off and how and somehow I still have late fees, XXXX actually, so now they want a further {$75.00}. This is ridiculous. I called my bank ( who showed the check had cleared on the XXXX ) and they said it had to have been presented on the XXXX or before to have cleared because it takes one business day. I sent it well ahead of time and they clearly had it in hand before the XXXX. What is it to me how long they take to sort and handle their mail? I consider this a failure to process the payments out of compliance with the Fair Credit Billing Act ( FCBA ) but they will not overturn the charges and close my account even though it consists entirely of fees made up for a payment which was already double the amount, a payment that they had to have in hand on the XXXX for it to be through on the XXXX. Can something not be done about this? They can just take whatever amount of time they desire to sort and process and fee as they please?

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Bank account or service (Other bank product/service) with DISCOVER BANK (AL).
Issue: Account opening, closing, or management

Complaint: Over the past two days, I have received no less than XXXX letters from Discover Bank Customer Service saying " We were unable to verify the identity of all Account holders ; therefore, we were unable to open your new Discover Account. '' I have never tried to open an account with Discover. All the letters say the same thing and are dated XXXX XXXX, 2016. I have called Discover at the number listed on the letter, XXXX and they said to get in touch with the Credit Bureau. They could n't give me any more information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Transaction issue

Complaint: I obtain a car rental in XXXX XXXX from XXXX. I pay for the rental via my Chase credit card. The transaction was processed in US dollars instead of XXXX using XXXX XXXX XXXX. This was done without my approval or knowledge. I did not sign anything authorizing the merchant 's made up inflated exchange rate. I wanted the transaction converted via the XXXX network, as specified in my cardmember agreement with Chase, and I was n't given the change to express my choice. I disputed the charge with Chase, and I 'm being told that because the transaction occured by chip, and not swipe, my signature is not required to uphold the charge. The merchant violated XXXX International rules and Chase refuses to process a chargeback to the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: With the recent XXXX 's breach in security and over 143 million people 's data being compromised due to unprecedented neglect by the company it is ridiculously for the victims to be required to pay to freeze their credit reports. Companies like Transunion and XXXX should be offering a free service to freeze credit even if it 's temporary, especially during these times. Such blatant attempt to profit off the XXXX  breach is deplorable.

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 05-07-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX my mortage with XXXX was transferred to Greentree. Starting late in XX/XX/XXXX I was almost forced on a modification by Greentree. I denied the modification and was harassed and called repeatedly by Greentree servicing agents. I almost lost my home due to the XXXX. I was called XXXX times in XXXX day alone the end of XX/XX/XXXX about a past due payment. I would like to be included in the class action settlement so could you please give me some information about how to go about that. To this day I am paying an additional {$3.00} for a " servicing fee '' on my bill which they have not yet explained.

Company response to consumer: Closed with non-monetary relief