milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a lease with  XXXX . I set up automatic withdrawal for my payments. I sent in the form and voided check to enroll. I was told it would take approximately 30 days to go through. I received a bill later on asking for a double payment. I had thought that the payments were on auto draft. It turns out the company did not withdraw the payment by the due date. I was never called or notified in writing that my account was delinquent until after a 30 day mark appeared on my credit report.     When I called  XXXX  regarding the bill, I paid the full amount due immediately.  XXXX  said that due to the misunderstanding, they would remove the 30 day mark from my credit report if I submitted a request in writing. I submitted this request rough ly 4-5 months ago and have not heard back. I have called multiple times only to be bounced around departments with no one able to give me any information or answers.  I also tried disputing this information from my credit report and they did not remove it. I am requesting this 30 day late mark be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2018 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: About two years ago i purchased a copy of my credit report and noticed there exist a collection account for an unpaid XXXX XXXX XXXX and few other account that was not mine and i did not applied for any of them. After contacting credit bureaus i was informed that i need it to file a police report and also an FTC report which i did and send it to credit bureaus and the original source. They all did removed the fraudulent account from my report and everything was great till when i tried to refinance my home and i got turned down due to this collection account which they reinserted on my credit report and re aged it. Again i sent my dispute letters to credit bureaus and the ERC collection agency and in my letters to them i enclosed a copy of my police report and my FTC report. Not only they have not removed this fraudulent account from my credit report they sent letters to credit bureaus that this account belongs to me and been verified. So far this company caused me a great deal of stress and money and i need your help to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Auto debt) with Monterey Financial Services LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX has assigned your account to Monterey Financial Services, for servicing. As authorized, we have set up your account for debits of {$18.00} from your bank account each month on your due date. If you have any recent changes, or anticipate any changes with your banking relationships please give us at least 2 business days notice prior to your draft date to allow for changes. If you did not authorize automatic payments we will send you a coupon book in approximately two weeks. New Account Number : XXXX Balance : XXXX Late Charges : XXXX Monthly Payment : XXXX Next Payment Due : XX/XX/2016 Amount Currently Due : XXXX Early Payoff Amount : XX/XX/2016 Early Payoff Expiration : XXXX I applied with XXXX XXXX XXXX at XXXX XXXX 's for my daughter 's car repair 's to get her ready for a long trip to Wisconsin she is in the Military, was very important to me. I found out that XXXX stopped using XXXX so I used the XXXX XXXX and I was unaware of the Company called XXXX XXXX was the institution that was in charge of collecting the payments for XXXX XXXX XXXX. XXXX XXXX owns XXXX XXXX XXXX. So when I was the charges coming through by XXXX I thought it was fraud attempt and I put a stop payment so I put a stop. Now they want to charge me double the amount owed it was a ridiculous interest rate they are charging me for this miss understanding, and they have already collected the majority amount that I had originally financed with them which is {$140.00}. I am a single mother and I am on XXXX XXXX XXXX at this time and my income is half of what I would receive if I was working. Please help me with this matter, I am willing to work with them but not by paying double what I originally financed with XXXX XXXX  XXXX. <P/>XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Prepaid card (Other special purpose card) with CITIBANK, N.A. (CA).
Issue: Fraud or scam

Complaint: I had been a customer of XXXX for about 20 years. I cancelled my service in XXXX 2016. At that time XXXX notified me that I had a remaining credit of {$26.00}, saying they would refund me that amount of money that I had overpaid for my service. 

Instead, XXXX mailed me a Citi Prepaid Services VISA prepaid debit card that they say has a balance of {$26.00} on it. Citi Prepaid Services then puts limitations on my use of that card, saying that it could not be used for a charge more than {$26.00}, it could not be used in an ATM machine, that I must go online or phone to " register '' my debit card, etc. They did however say that I could go on-line with Citi Prepaid Services to arrange to have the amount transferred to my bank account. 

While clearly an imposition on my time to return my money to me, I tried to comply. I tried to use Citi Prepaid Services web-based function to transfer the money into my account 3 times, but it would fail each time at the end of the transaction and tell me that " you have been logged out ''. 

I then phoned Citi Prepaid Services and told them their website did not work. They " walked me through it '' on their website ; it again did not work. They then refused to help me further, saying I could only get the money transferred to my bank account using the website. They hung up on me. 

My suspicion is that XXXX and Citi Prepaid Services are using this dodge of ( NOT! ) disbursing funds that they owe -- knowing that many consumers will not go through the arduous process they dictate in order to retrieve their funds. I consider this theft, criminal behavior. 

( I then went back to XXXX, escalated my call to a " manager of the manager of the agent '' in their Billing Department, and explained that I wanted my money from them ; I did not want to deal with the obstacles that Citi Prepaid Services put in my way. He refused to help, telling me that " XXXX no longer has your money, we transferred it to Citi Prepaid Services ''.

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 10/22/2016 about Mortgage (Home equity loan or line of credit) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: When my mom passed in XXXX 2016, I discovered that she had taken out a XXXX mortgage loan with CitiMortgage that was referred to Bayview Loan Servicing. As her heir and administrator of her property, I contacted them about the loan and required documentation about the loan process from the initial loan. As of today, I have n't received any documentation or cooperation from the lender. Three months ago, I have spoke with a representative about negotiating a payoff and she stated that she would initiate the process and assign a case manager to the case. I was told not to submit any payments until I hear back from them through a certified letter. After a month pasted and no certified letter received, I called the lender and expressed concern about the request. I was informed that no such request had been submitted. The rep assured me that he would submit the necessary documentation to initiate my request. After weeks had pasted and numerous attempts to reach Bayview by telephone for a response, I finally got a representative to answer my request. I was told that Bayview would not negotiate a payoff because the value of the home, if foreclosed, would cover the loan amount. Though disappointed, I asked about the passed 3 months payments and learned that late fees had been asset to the account. On XXXX/XXXX/16, I made a telephone payment in the amount of {$410.00} dollars ( confirmation # XXXX ). A week later, the amount still has n't been deducted from my account. Therefore, I called the lender no less than 10 times totaling hours of my time seeking an answer. I finally got a live representative that explained my payment was rejected for insufficient funds. I stated that there must be a misstate because my account has more than sufficient funds to cover the charges. The rep stated that I can resubmit the payment through XXXX XXXX, which I stated was unacceptable because my checking account has over {$8000.00} dollars in it and that the representative had to have keyed in the wrong information. The representative hung-up the telephone. He was the second representative to do that such action when I requested to speak with a manager. I called back and was told that I 'm not authorized to receive information on the account. I am absolutely dumfounded by Bayview 's representatives actions. This is unprofessional and down right deplorable. All I want to do is make a payment and this is being rejected. XXXX 's statement depicts the attempted payment of {$410.00} dollars suspended. Can I please get some assistance in this matter. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is repeatedly and harassingly calling employers, family, friends and anyone who may have ever met me at all hours regarding an alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am tired of being threatened by these dishonest, and deceitful collection companies. They keep calling me and sending mail stating they have sold my accounts. I do not have an account with these companies. Please help! They have the wrong XXXX. XXXX XXXX. Please help me. I am a Veteran, and XXXX XXXX XXXX XXXX. They have caused me to be disqualified with my V. A. Loan that I rightly deserve, please help.

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 05/14/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (VA).
Issue: Trouble during payment process

Complaint: Loan Care LLc .  XXXX   XXXX   XXXX   XXXX . This company purchase my mortgage from   XXXX   XXXX   XXXX   about one year ago. Since the purchase I have had problems with payments crediting in a timely manner and not  XXXX   XXXX    XXXX   my  Home Owners insura nce company called me to advise I they have not received my insurance payment for the new year. The payment was due  XXXX   XXXX    XXXX  . The bill was sent out by the insurance company to  XXXX   XXXX  servicing  XXXX   XXXX   XXXX   XXXX , SC  XXXX  30 days in advance. My policy will be cancelled  XXXX   XXXX    XXXX   if payment is not received from the Loan company. After I was advised of this situation I signed into the Loan company web site and saw a debit was removed from my escrow that same day. This is 13 days after the due date. As of today the 13 my insurance company has nor received the payment. I hope they will receive it next week because I do not have the funds to cover that and once cancelled I will never be able to purchase that same policy. This is unacceptable and this company has hundreds of such complains on the internet. The is also a complaint page that seems to be run by the company itself which of course gets no action just to make customers believe the government will see the complaint.

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 11-07-2016 about Debt collection (I do not know) with Midwest Recovery Systems (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They put on my credit report I owed XXXX I dont know these people I was never contacted it took me along time to build my credit score up and now they have damaged it I had a score of 763 but now with this it makes me so anrgy. On the XXXX site it also talks of other people that dont have these bills and they have reported to credit bureau. These people are trying to scam old people plus XXXX knows who else. something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have several medical bills that I am trying to get paid off by XXXX 2017. My home equity will balloon at that time and I stand a chance of losing my home because I ca n't paid the loan off in 8 months and I need help to forgive as much of the medical amounts. I am trying to get them paid but I am having problems. How do I get help with this? Thanks so much if anyway I can get Help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2016 about Credit card () with PAYPAL HOLDINGS INC. (TN).
Issue: Late fee

Complaint: Apparently Paypal issued me a credit card at some point ... I honestly have no idea if I applied for it or not. In XXXX I made a transaction for the amount of XXXX via Paypal as I always do and expected the money to be withdrawn from my bank account as it always for over 10 years. For reasons beyond my understanding this particular transaction went on the credit account unbeknownst to me. Late fees and charges totaling over {$60.00} were assessed in XXXX and XXXX of 2016. Paypal was sending me emails but since I had never used Paypal Credit before I had no whitelisted that email address and those were going into my Spam folder so I never saw any of them. Today I got a call finally from them and had no idea what the lady was talking about. She said I had to pay the full amount, which I did, but I argued I had never received actual notification and that a letter or a call earlier would have avoided me having been assessed the late fees. I feel like the delay in contacting me served only to benefit Paypal and I think their policy and procedure regarding cases like this should be changed as it is predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquirer Name : CAP ONE XXXX  Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX My identity was stolen about 14 years ago but still till this day they try to apply for credit cards and loans under my name, they even stole my mail from my house, they even made payments on some credit cards, i never applied for capital one credit card in 14 years because i don't even use my credit anymore because of this issue, i can't make it better they always apply under my name, they ruin my life because of this but for last time I'm trying to fix my credit, i have never applied for any of this, i never authorize any of this inquires even if you do investigation and everything matches still doesn't mean i did it, please remove this 6 inquiry from my credit report. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (NY).
Issue: Unexpected or other fees

Complaint: I received a {$50.00} prepaid Visa card ( managed through myprepaidcenter.com ) as a gift. I received the card in XX/XX/XXXX and the card 's expiration date was XXXX. I called MyPrePaid 's visa line to request a new card or receive a check, but I was told that they could only issue a new card and it would cost {$15.00}. The card states " funds to not expire, '' suggesting that I should have access to all my funds. Moreover, I discovered that they have been charging me a " Post-Expiration Monthly Account Management Fee '' of {$3.00} without alerting me of this since XXXX. This is highly predatory. As I understand it, according to the CFPB website, I am not allowed to be charged a fee ( Link : https : //www.consumerfinance.govXXXX ). Is what they 're doing illegal? Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Auto debt) with NCB MANAGEMENT SERVICES INC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX   XXXX ,  XXXX  I filed a complaint with the BBB and CFPD agains t NCB Management services, Inc. I n their response to my complaint they stated they would send validation of the debt owed. They have not done so. All they have done was state they would send the required information. I am requesting the original contract, complete financial transaction history, and a copy of the letter they stated was sent in  XXXX   XXXX ,  XXXX . With out this information in a timely manne r. NCB Management serv ice is deliberately violating Fair Credit Reporting Ac t, 15 U.S.C & 1681. Under that  act all unverified accounts must be deleted. Without validation of this debt and continue reporting to the  XXXX  credit bureaus, will result in me seeking damages.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Rewards

Complaint: The American Express XXXX XXXX Preferred Card was issued by mail and I did not receive the card. I contacted American Express, advised that I did not receive the card. American Express notified me that they would ship a replacement card via XXXX XXXX Delivery. I did not receive the card. The card was allegedly shipped by for XXXX delivery several more times over the next two weeks. I finally received the card more than a month after I was initially told that I would receive the card. I was contacted by American Express Card Member Services and was advised that I would receive either XXXX points and XXXX credit for the problems with the delivery of the card. I later determined that was a confusing promise by Amex, as the XXXX XXXX Rewards card accumulates a cash credit and not point credits. I never received the XXXX credit or the XXXX point equivalent as promised. When I called Amex Customer Service there were no notes in their system regarding the previous conversations or the issues with the delivery of the card. I was a previous Amex cardholder through XXXX for years and I have come to expect a certain level of customer service from American Express. I am embarrassed that my customer service experience through American Express has not been as pleasurable as my American Express Customer Service experience through XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit bureau reporting inaccurate and unauthorized accounts and inquiries on my consumer credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Medical debt) with Grimley Financial Corporation (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a bill dated XXXX/XXXX/XXXX for {$45.00} from XXXX XXXX XXXX. When I received this bill 6 months ago I immediately contacted XXXX XXXX XXXX regarding the bill to let them know 1 ) that this was a wellness visit to check my XXXX level and should be covered 100 % by insurance and 2 ) to let you know that the invoice states XXXX Uninsured Program on it. I have insurance and I provided my insurance information. A few weeks later I followed up again and then again to figure out what was going on. I was told on the phone that the bill was incorrect and they would resubmit with my insurance information. I said fine and then a month and a half ago I get a collections notice from aptly named XXXX XXXX claiming I owe {$22.00} and Im delinquent. I have never even received a bill for {$22.00}. The bill I received is was for {$45.00}. I am extremely disappointed that after diligently following up on this invoice repeatedly and providing my insurance information I am now in collections. I never even received a bill from XXXX XXXX XXXX for {$22.00} so I couldnt have even paid it. Im assuming that he {$22.00} is the same bill as the {$45.00} since the date of service is the same and I didnt have any other services performed that day. Clearly the {$45.00} bill was wrong as XXXX XXXX XXXX only sent {$22.00} to the collections agency but the problem is they never sent me in an invoice for {$22.00} so how was I supposed to pay this. I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX and they confirmed it was an error and that the invoice was never sent to me. At that time I paid the bill in full for {$22.00} and they told me they would handle with XXXX XXXX and not to worry about anything more. Then the day after XXXX I receive another Collection Notice from XXXX XXXX for {$22.00}. I called them and told them I already paid it in full and they said that 's not what our records show and that XXXX XXXX XXXX would need to tell them that. I told them I can email them proof I paid it a month and half ago but they were not interested in the email. I have always paid my bills on time and to be in collections over a {$22.00} bill that XXXX XXXX XXXX agreed was never sent to me is concerning. Then to be harassed even after it was paid in full is frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Payday loan) with Clearview Resolution Services (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I do not know if this is a legit debtor, I received an aggressive call asking me to pay. It appeared legit and thus I paid the attached charges in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation