milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2015 about Money transfers (Domestic (US) money transfer) with Blackhawk Network Holdings Inc. (TX).
Issue: Money was not available when promised

Complaint: My sister in Iowa purchased a reload it money pack in the amount of {$150.00} to be transferred to my XXXX card. Reloadit.com requires customers to establish what they call a " safe '' for fast secure money transfers. It has now been 48 hrs and I have yet to receive access to my funds. I have rudely been advised by reloadit.com 's customer service that they are experiencing technical difficulties with no ETA of when it will be resolved. This was an emergent situation and my family has had to suffer without food and now possibly electricity because of not receiving timely funding.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 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: Reporting company used your report improperly

Complaint: Equifax exposed my social security number and personal information and waited a month to announce the leak. I was not notified in any form that my information had been compromised and had to find out from the news.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax is showing is a collection account from  XXXX   XXXX  on my credit that continues to be a hindrance to credit health. The account is incorrect and a violation of my rights under th e HIPPA laws. I have no idea who this company is, nor have I ever had a contract with them. I am concerned about this being on my credit rating. I feel that this is incorrect and needs to be addressed in such a way as to not allow these items to be on a persons credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been requesting verification of the following account that Equifax continues to report on my credit file : Wage Earner Plan/Bankruptcy # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Thursday, XXXX XXXX, XXXX I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with agent and she informed me that a security freeze was placed on my consumer file # XXXX as of XXXX XXXX, XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On Thursday, XXXX XXXX, XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with an agent and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. She also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX. 
I demand that this public record Wage Earner Plan/Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax so-called " verification '' on XXXX XXXX, XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE IN PLACE DATED XXXX/XXXX/XXXX. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : Wage Earner Plan # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 
I demand and request this public record : Wage Earner Plan/Bankruptcy # XXXX is removed/DELETED PERMANENTLY due to lack of verification and INACCURATE REPORTING OF VERIFICATION DATE. XXXX XXXX XXXX agents assured me that Equifax 's XXXX XXXX, XXXX " reported date '' and " verification date '' DID NOT come from Lexis Nexis because they DO NOT disclose information on accounts with a security freeze placed on them. Please help! 
_______________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Billing disputes

Complaint: My American Express card was charged by a merchant in XXXX. This charge was unauthorized and when I contacted the merchant, the unauthorized charged was reversed. However, the original charge and the refund posted by American Express was on different days and therefore, I was responsible for the difference in the XXXX denominated charges. This inaccurate charge is costing me {$49.00} and American Express is unwilling to correct this error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We originally had a loan with XXXX. It was serviced by Greentree for a while and now Ditech. We 've had a terrible experience with both Greentree and Ditech. 
In the past I submitted complaints about Greentree with the Department of Business Oversight.Therefore, I 'll limit this complaint to my experience with Ditech. We were making biweekly payments with XXXX and have continued making biweekly payments all along. Ditech apparently ca n't handle biweekly payments. I have spent countless hours trying to figure out what they are doing. There were a couple of months where my balance went up instead of down and they were charging late fees for electronic payments that were deducted directly from our account. As a matter of fact, they should have had excess money, as I recently started making additional payments to reduce the principal balance. Having the extra payment be applied directly to principal reduction is also a challenge. They hold the money in an unapplied funds account. I have to call to make sure they apply the funds towards principal reduction. Every time I call I get different explanations. 
Regarding the late fee, they said that the payment for XXXX XXXX, 2016 was returned. We checked our XXXX XXXX account and the funds were withdrawn. When I called back the new customer rep said that the funds for XXXX were there. Now he says the the XXXX XXXX statement was returned. This was not the first time they claimed a payment was returned and charged a late fee when, in fact, the money was withdrawn from our bank account. 
It is impossible to know how they are applying our payments as they misapply funds and they go back and reallocate the money. On the website you ca n't see the details unless you click on it. Which makes it extremely hard to see the full picture. 
I have requested numerous times an amortization schedule based on biweekly payments, and every time they send me an amortization schedule based on monthly payments. 
At this point I have XXXX confidence on ditech being able to service my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Debt collection (Payday loan) with First Recovery Solutions, Inc. (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My family and I keep getting calls from XXXX. 1st recovery, they are collecting on a supposed debt from 2011. I have asked them not to contact myself or my family and they keep calling my family members anyway.

Company response to consumer: Untimely response
Consumer complaint received 03/19/2018 about Debt collection (Other debt) with Utah Billing & Recovery Services (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: OnXX/XX/XXXX I received a letter from Utah Billing & Recovery Services on behalf of XXXX XXXX XXXX ( XXXX ) that a claim had been placed with their office against me for {$420.00}. 
In XX/XX/ I had ordered a tshirt from XXXX through their XXXX page for {$39.00}. I was not allowed to select a size. I contacted the seller via email and stated that I had placed an order and that I needed an XXXX and could they please contact me to verify they received my information. Several days went by with no response. I then tried calling the seller and the call would never go through as if the number was disconnected. Thinking I had been the victim of a scam I contacted XXXX since the transaction was through them. I explained the situation and they opened a case. That same day I received an email from the seller berating me for contacting XXXX. The seller threatened to have me charged with bank fraud and have my credit ruined. I responded that I wanted the merchandise and that I just needed to let him know the correct size. I did not hear back from the seller. About a week later I received a shirt in the mail. It was a XXXX not the XXXX I had asked for. The invoice stated " no size specified ''. At this point I was done with the issue and gave the tshirt away. Shortly after receiving the tshirt I was contacted by XXXX. They asked if II had received the item. I explained I had and though it was the wrong size I was done with the matter. On XX/XX/, according to my bank records, the {$39.00} was released to XXXX. XXXX closed the case on XX/XX/XXXX 
On XX/XX/ I received the letter from the above mentioned collection agency. 
I am reporting the collection agency for not verifying any information before taking a case against me. They have a responsibility to not take fraudulent cases from unscrupulous businesses. A quick internet search revealed that this is a common practice for XXXX. The collection agency could easily find this information as well.

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 02-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have never received notice of this debt to my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I filed an dispute with XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-2017. Advised, XXXX XXXX XXXX to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised XXXX XXXX XXXX that they are allotted 30 days to provide disputed results to me. Never received correspondence from 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 explanation
Consumer complaint received 09/28/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX I paid an outstanding debt in the amount XXXX to XXXX collections. The debt was actually with a collection agency by the name of Credit Collection Services ( CCS ) located in XXXX MA XXXX. 

When speaking with XXXX on XXXX XXXX and XXXX XXXX I could not get them to provide me direct proof that the debt was paid after I paid it in full. At that point I spoke with the collection department at XXXX cable directly. They stated that they would report to XXXX within XXXX hours that the debt was paid. I then spoke with CCS to ensure that once they received confirmation from XXXX that the debt was paid that they would provide me in writing the clearance of the debt. They would not do this. 

I also requested the debt was removed completely from my credit report once paid as even if it shows as paid in full it still shows collection activity. They stated that XXXX does not allow them to report to delete the debt from my report. 

I have disputed this debt with all three credit agencies. 

I had dealt with another collection agency, XXXX XXXX receivables in XXXX Maryland, and they provided me with the same information requested from CCS within less than XXXX hours of paying the debt and it will be removed from my credit. XXXX XXXX Receivables WAS EXCELLENT! 

Additionally I was informed by XXXX when I contacted them of a debt from XXXX that was owed. This debt is also placed with XXXX and I am concerned that they will try to reboot it reporting it on my credit, even though the debt is older than 7 years. I made no acknowledgement that this debt was mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (Credit card) with URS Holding, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling repeatadly, without leaving voicemail, calling my work after I asked to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Money transfer, virtual currency, or money service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA).
Issue: Confusing or missing disclosures

Complaint: I would like to trace all Money Gram payments for the tenants located on XXXX XXXX XXXX, XXXX, VA XXXX since XXXX-XXXX-2017. Please reverse all payments of the property via money order as a direct debit to my XXXX XXXX Bank account, routing account number XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (Private student loan debt) with Alliance Data Card Services (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was late on payments and signed up for the hardship program in XXXX of this year. They still are still calling me from blocked numbers and different numbers from different states saying I need to resolve this issue. Tried talking again in XXXX, they kept transferring me to different departments. They call me XXXX times a day, as a XXXX XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX Please make them stop. XXXX XXXX is the name it is a tuition solutions account for when my son was attending XXXX XXXX XXXX for tutoring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Managing the loan or lease

Complaint: I financed a care XX/XX/XXXX for a little over XXXX. It is XX/XX/XXXX and the amount owed on my car is XXXX. I also put down XXXX when I purchased my car. I made payments on time for a year like I was told and that Santander Consumer would report every 27 days and I would then be able to get out of my car which held a high interest rate within a year. That did not happen. I dont understand whats going on. Although I made payments on time for over a year I am not stuck in my car paying money towards a loan that is ultimately not decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I applied for a Gap Credit card while in the store. They opened 2 credit cards in my name ( duplicate ). When I called to get the issue fixed they kept denying that I had 2 accounts open and saying that they did not make a mistake. I used my ID theft service XXXX XXXX and they where able to get them to admit that 2 accounts where opened simply because I had all the proof and paper work and my credit was pulled for 2 different applications. I ended up closing both cards but it still had a negative effect on my credit history. I would like to get those pings off my credit history since Gap was the ones that make the mistake. 

I applied for the credit card in XX/XX/2017.

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 09/14/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had deferred payments set up while I was going thru a hardship in XXXX when my loan was with XXXX XXXX, then again in XXXX. When I reviewed my credit report the account posted as late. Those accounts should not have posted negative since I called the company and let them know I was in between jobs and needed to defer my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TCF NATIONAL BANK (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or about XXXX XXXX I was in auto accident that totaled out my vehicle. id recently filed for bankruptcy that previous XXXX 0f XXXX. My case had not been confirmed. XXXX XXXX XXXX refused to issue me the check for the totaled out merchandise. It is now XXXX it 's still reporting on my reports and I never received funds or replacement car. With having Full auto coverage at the time of accident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with REGIONS FINANCIAL CORPORATION (GA).
Issue: Other

Complaint: i received a cold call from a company called XXXX on XX/XX/2016 claiming they could help make my website better for XXXX.when i found out i was being defrauded i turned to my visa card for help.i explained to them that i received no service from this i was told i waited to long.i thought visa could still help me when i was not rendered any service.

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 monetary relief
Consumer complaint received 05/22/2015 about Credit card () with GreenSky Trade Credit, LLC (WI).
Issue: Billing disputes

Complaint: I have been doing business with greenskycredit aka XXXX and have been paying an authorized dealer on a weekly basis by automatic w/d from my account. It has come to my attention when I recieved my bill and late fees and excess interest that this party has not been posting my payments. On the following dates the payments were pulled from my account and on the following dates they were credited to my credit account. 
XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX never posted XXXX/XXXX/15 XXXX never posted This company has also been assessing late fees on this account the most recent one was assessed on XXXX/XXXX/15. This is a direct result of the destributor failing to post payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/21/2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: I OPENED AN ONLINE CHECKING ACCOUNT WITH CAPITAL ONE, I PUT MY SON WHO IS A  XXXX  VET DOWN AS CO-ACCOUNT HOLDER I GAVE CAPITAL ONE HIS ADDRESS SOCIAL SECURITY NUMBER AND ALL ITEMS TO HIS I.D . I DEPOSITED A CHECK FROM NY STATE REFUND THEY ENDORSED THE CHECK. MY SON IS HOSPITALIZED AT A VETERAN HOSPITAL IN NY  .CAPITAL ONE FROZ E MY ACCOUNT AS I AM THE PRIMARY HOLDER. UNTIL THEY CAN SPEAKE WITH MY SON MIND YOU THE CHECK IS IN MY NAME  XXXX   XXXX , I 'VE TALKED TO MANY A CAPITAL REP 'S THE SAME OLD SHUFFLE.I TOLD  XXXX  MY SON IS IN A  VETERANS HOSPITAL WE RE NO PHONES ARE ALOWWED AND THAT I 'M WHELL CHAIRED BOUND THE Y DID NOT CARE .THIS H AS BEEN ON GOING FOR SOME DAY ' S .I TOLD CAPITAL ONE SE ND THE MONEY BACK TO THE STATE OF NY THEY SAID THEY WOULD NOT, SO THEY JUST GOING TO KEEP MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have an alleged medical debt in the amount of {$6300.00} reporting to my credit currently by XXXX XXXX XXXX, in error. I have attempted to dispute this matter with the agencies as well as I have requested validation on this account. This has been falsely reporting to my credit report and has caused major damage to my score. Please note that I was unemployed from XX/XX/XXXX- XX/XX/XXXX of 2016 and did not have any funds for any of my bills at the time. I fell behind on everything from my car payment, which was eventually repossessed, my credit cards went into default ( however XXXX XXXX worked well with me and I am proud to say I was able to get it taken care of ), my insurance lapsed, as well as I was unable to come up with my rent during this time. I was also in school at the time and was having to find ways back and forth to ensure that I would not fall behind on my education. I am doing the very best that I can but do not know what to do at this point. I am attempting to work on my bills but do not find it fair that I would be responsible for things that are not mine. Please help me get this matter resolved. I do not want to result to litigation regarding these types of matters but I do n't know if I have any other choices. Please tell me what I should do????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: To Whom it May concern : I am writing to see if  ACS Education  would make an adjustment to an error in your reporting to the  XXXX  credit agencies. I have  XXXX  late payments on my account that date back to  XXXX ,  XXXX , and  XXXX     2014  when it happen. During that year "  2014  '' I was late 2 months which resulted in  XXXX  being 60 days late. I have an email showing that on  XXXX   XXXX   2014 . I submitted for a short deferment for my situation so I wouldnt get back in the situation I was once in, prior years before. I was also was informed on the phone that it takes 5 to 7 days for processing. Which would have been in range before my next payment on  XX/XX/XXXX   before a late payment would go in effect for the 2nd late payment on my report. I have the email to show as well. This kind of action is wrongful practice to your clients and reporting in error, as if your client never communicated with you and I have been in deferment before without an issue.

Company response to consumer: Closed with explanation