milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: These companies make it so you ca n't dispute anything on your report. Everyone should know how crooked this is and its setup so you ca n't dispute. The whole credit score and identity theft is a joke and people need to quit buying into this whole farce.

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 08/22/2017 about Debt collection (Other debt) with GULF COAST COLLECTION BUREAU, INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Patient XXXX XXXX Dental Provider XXXX XXXX Collection Agency Golf Coast Collections XXXX of 2015 our Dental Insurance Provider told me I owe {$500.00} XXXX XXXX sent the account to Golf Coast Collections and said I owe over {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: NCB management services is showing on my credit report for the amount of XXXX. I contacted the company and they say my account is closed and they have no information regarding account. Would like to dispute but company is unable to verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am a   XXXX   XXXX    XXXX  patient currently undergoing several  XXXX  and  XXXX   XXXX . I have been off work o n disability a nd received some funds from taxes and offered to pay 40 % of this debt as I have obviously a lot of bills with  XXXX . The debt was way below this and I 'm sure this agency paid very little for the debt. They refuse to help me with my hardship. I do n't believe they should be able to continue to add fees, harass or collect on a debt of such a sick person. I am hoping you can help intervene so I can stop worrying about being sued and harassed. I wish they would accept an amicable agreement

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 08/24/2017 about Mortgage (Conventional home mortgage) with SECURITY NATIONAL FINANCIAL CORP (NJ).
Issue: Trouble during payment process

Complaint: I have paid in full my loan to XXXX XXXX XXXX. They stated that the check for the remaining escrow would be mailed in 20 days after XXXX XXXX 2017. It is being mailed out from the office in new jersey. I live in jersey. I have not received the check. The customer service agent didnt seem to know when it would be mailed out and when pressed she said it was mailed out today. i do n't believe them and there dragging there feet. Ita not there money. They do n't care. But it means alot to us.this is the email. 

Loan No. : XXXX XXXX XXXX : We reviewed your file and see that you spoke with a customer service representative earlier in the day. 

Your escrow refund check will be mailed to you 20 business days after XXXX XXXX, 2017. 

If you are refinancing, the escrow refund will need to be deposited with your new financial institution in order to avoid having a shortage in your new escrow account. 

XXXX PLEASE BE SURE TO INCLUDE YOUR LOAN NUMBER ON ALL DOCUMENTS AND PAYMENTS SENT. *** If you have any further questions, please log in to your account and send us an email through the " Message Center '' link. 

Thank you for providing us with the opportunity to assist you. 

Kind regards, XXXX XXXX Email Support Representative

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Focus Holding Company (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was receiving countless calls to XXXX ( my cell phone ) throughout the day and when I answered the person would either hangup or say hello and then hangup. I called back and every time I ask them to send me proof they hangup on me and I can't get through to anyone to resolve it. 
There is a {$410.00} charge I want removed and I want to be removed from their call list!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A XXXX XXXX account was opened in my name that I did not open. I received a letter in the mail from Diversified Consultants who is the debt collector in the matter on XX/XX/XXXX. The letter states I owed XXXX XXXX {$1200.00} for services I did not purchase. 

I proceeded to call the collections company who said I have to file a police report. I filed a police report on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have previously notified the credit bureaus this is a result of fraud and sent the police report. I am very upset this is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Billing disputes

Complaint: My credit card payment of {$250.00} via XXXX from XXXX to XXXX/Barclay Bank on XX/XX/2016 was " lost '' during transition from XXXX to Barclay after the account was bought by Barclay. Over the past XXXX ( yes, XXXX ) MONTHS I have called Barclay, XXXX, and XXXX no less than XXXX times, verified the XXXX XXXX times to Barclay via XXXX XXXX see attached ), spoken to XXXX managers at Barclay who each assured me it would be fixed, conducted XXXX conference calls between XXXX, Barclay, and myself, and spent countless hours on the phone and on hold with Barclay with no correction thus far. Over this time period, I have been charged late fees and additional interest fees several times. This error has also negatively impacted by credit scores. XXXX has done everything asked of them to verify this payment. Barclay bank has wasted countless hours of my time, overcharged me late fees and interest, negatively impacted by credit scores, and has yet to credit me the thrice verified payment. Barclay bank 's customer service department is unprofessional, unethical, and generally worthless at the managerial level. I am currently a XXXX XXXX XXXX submitting this form and now trying to correct this issue from 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 monetary relief
Consumer complaint received 05-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: WEST ASSET MANAGEMENt is continuing to report on my credit report for a debt I believe not to be mine.XX/XX/2014 is the date showing to been opened and original creditor of XXXX with a balance of {$560.00}. 

I have never had XXXX and I also have had issues with mistakes on my credit report as myself my XXXX also share the same first and last name. We all have different middle names .when I first noticed this I called the company right away and as with all credit collection agencys or anyplace that says you may owe money you have to be careful when calling.i explained that this account is not mine and if they could please fix it.Before the woman even said a word to help she started with the '' this is an attmpt to collect a debt '' ''this call will be recorded '' its a good thing I also record my calls as well. 
As she was explained that this is an attempt to collect a debt ( Even though I called them to fix the issue ) I kept interrupting to let her know that this debt I believe is not mine. 

suffice to say I got nowhere she repeated she could not help me.Ibelieve this debt is not mine. She even wanted my ssn to look me up this was my first attempt to solve problems by myself and I got nowhere with them.if they have proof like a contract my signature or even what day or and address please let me know.i can provide documentation where I work and live for last couple years. 

I have even sent a certified letter of validation and have yet to hear back from this address that is on my reports : west asset management XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: TD Bank debited my account {$50.00} for check # XXXX that was written for {$20.00} I have contacted customer service three times since XX/XX/XXXX and was advised it was going to be taken care of and to date it still has not been taken care of

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am unaware of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Other debt) with DataMax Corporation (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX  , 2017   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX , NC   XXXX   Interstate Credit Collections   XXXX   XXXX   XXXX   XXXX    XXXX , NC  XXXX  Re : Acct #   XXXX   To Whom It May Concern : This letter is regarding account #  XXXX , which you claim I owe {$750.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    XXXX , NC  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I sent this same letter on   XXXX   XXXX  , 2017 certified with return signature, with no response

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There was an error on my employer 's behalf with submitting tax documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (SC).
Issue: Problems when you are unable to pay

Complaint: I had a car loan with Citizen Bank the issue started when i got behind on my payments from starting a new job. Well they repo it and i was told that i had 21 days to get the vehicle back if i catch up all the payments. Well they gave me the wrong location first where the vehicle were located so i find out by myself that it was located in XXXX. So i waited to receive a letter or call to what i needed to do. So i shows up at the repo place to find out that my vehicle was already moved with some of my stuff left in it. ( which some stuff is still missing ) They informed me not the Bank that the vehicle was already gone. The bank at first did not know the truck was sold until i told them. So then after i call the bank back and they finally told me it was gone. The repo people let me know the name and number to call for the auction. So i called the auction and with in the 21 days the bank said i had to retain the vehicle was not true the vehicle was already sold before the 21 days and my issue was i received no call or letter with no information on how much it was sold or what afterwards that i have to take care of. As my friend told me he said watch when you pay that money they be done sold your truck and you be lost for your money and the truck. And just as he said i were glad i did not pay it because the truck was already sold. I contacted the auction people as i were told by the bank that they would have to give me that information and the lady listen to my story and told me i might need to follow through on this issue with someone professional.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This account is reporting beyond the 7 year FCRA rules from the first day of delinquency. The first day of delinquency dates back in  XXXX  of   XXXX  . This account is obsolete and should no longer be reporting on my credit file. I have requested this item to be removed. This account was opened  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 04-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When I do try to pay my student loans, I ask for the income driven repayment plan. However, it is still way too high. I have never been given a loan payment I can actually pay without draining my income. The customer reps always say I should just sign a forbearance form. It is not that I am unwilling to pay, it is that the repayment options are n't feasible.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Bank account or service (Checking account) with U.S. BANCORP (WI).
Issue: Account opening, closing, or management

Complaint: I had US Bank for approx. 30 yrs but I wanted to change banks for several reasons but then somebody got ahold of my debit card and purchased an it from XXXX it was not me so I did a fraud charge they returned the money and I closed my account they tried to talk me out of it but I did anyway Then six months I get a statement I had {$370.00} in there that is the amount of the fraud charge so I go down there they reopened my account without my approval I told them I didnt want to owe them or them to owe me again they tried to get me to stay with there bank I talked to the manager and the assisstant manager but they insisted I took it I still closed the account. Now they are insistng I owe them that amount I dont believe They had no authorization to reopen my account. Can you please help me clear this matter up. I would really appreciate it.

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 01-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I started receiving calls from Amsher XX/XX/2016 in regards to an alleged debt owed of {$840.00} to XXXX. I have no idea what was going on so I sent several of disputes in regard to this beginning XX/XX/2016 until now. They were reporting to XXXX and XXXX of this debt. In an attempted request for validation since XX/XX/2016, Amsher has failed to send me any proof of validation notification of this debt. Amsher removed information reported to XXXX in this case but still continued to report to XXXX currently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is listed on my Equifax report as charging off then going positive, and then charging off again, and then once again going positive. This is inacurate information reflected in my payment history that continues to keep my credit rating from improving. There are several accounts that are inacurate with my Equifax file that i have tried and tried to get resolve i have uploaded documentation that supports my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan modification,collection,foreclosure

Complaint: After turning in my loss mitigation application, Ocwen representatives provided me with inconsistent and inaccurate information about the status of the decision on my loss mitigation package. Before my loss mitigation application was denied, I spoke with an Ocwen representative who told me that they successfully received a purchase offer for my property - from my realtor - and had ordered an appraisal/XXXX in order to process a short sale on my property. My realtor confirmed that no such offer had been sent to Ocwen. Upon providing the Ocwen representative with this information via a conference call with my realtor, the Ocwen representative reversed their statement, agreeing with us that there was no offer and no appraisal had been ordered. Ocwen 's inaccurate information caused delays in my understanding of my loss mitigation options. Among many things, Regulation X, Section 1024.38 specifically requires servicers to maintain policies and procedures that are reasonably designed to ( 1 ) access and provide timely and accurate information and ( 2 ) properly evaluate loss mitigation applications. Ocwen demonstrated that they do not have policies or procedures to provide me with timely or accurate information about my loan during and after my loss mitigation application was denied, which leads me to believe they are in breach of Regulation X.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX is reporting incorrect information for XXXX accounts on my credit report. I have attempted to contact them directly on XXXX separate occasions and they refuse to correct it. They are incorrectly reporting the date of XXXX delinquency for XXXX accounts as XXXX XX/XX/XXXX. I have contacted the original creditor XXXX XXXX XXXX XXXX XXXX ) and verified that they date of XXXX delinquency for XXXX accounts is XXXX XX/XX/XXXX. I have also requested that Equifax, XXXX and XXXX correct they information but they have not. The XXXX XXXX account numbers are XXXX ... and XXXX ... The Original creditor is XXXX XXXX XXXX XXXX and the account numbers are XXXX ... and XXXX ... As you can clearly say on my credit reports, XXXX XXXX is reporting the correct date of XXXX delinquency but XXXX is not. At this point I want all the XXXX XXXX accounts removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit reporting () with TOYOTA MOTOR CREDIT CORPORATION (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I traded my XXXX Toyota 4runner in on XXXX/XXXX/XXXX. The payoff check was cut on XXXX/XXXX/XXXX. My last statement shows that my next payment was due on XXXX/XXXX/XXXX. This check was clearly not 30 days past due which is what Toyota is reporting to the credit bureau. I contacted Toyota as soon as I realized that they had not posted the payment to my account. I was told this would not effect my credit report because they did in fact have the payment on time. I called the following 3 months and was told each time that my credit report would be fine as they did have the payment in hand. In XXXX I pulled my report and found they had reported a late payment. I mailed my dispute to the credit dispute research team who never contacted me back. When I called again to follow up I was told there was no one I could talk to, but they would send a note over letting them know that I had never received a letter regarding the investigation even though the investigation was closed and they had determined I was at fault. I have never in my life missed any payments and their representative had no further suggestions for me to be able to get this scar removed from my report. She simply said my payment was late and they were required to report it and that I need not go on and on about it. Given that the balance was paid in full on this account shortly after the " late '' payment I would think that a request to remove this late payment would be granted give then circumstances and evidence provided. I also contacted XXXX during the course of the confusion who also called Toyota and was told this would have no effect on my credit report. Shame on Toyota for your terrible customer service.

Company response to consumer: Closed with explanation