milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2016 about Debt collection (Medical) with Senex Services Corp. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello. Back in 2013 I visited the XXXX XXXX XXXX XXXX. I have insurance, but the hospital never ran my insurance and they sent my account to collections ( Senex Services ). I received a letter from the collections company and paid the bill in full immediately. At the time I made my payment, I was told by the representative that the insurance was not an option at that point and I was responsible for making the payment and that was the only way to get the bill out of collections and off my credit report. I paid the bill in full at that time. The representative said the derogatory remark would be removed and my account would be noted in full detail as to why I was even sent to collections in the first place. They never removed the account. I have called three times to talk to a supervisor and was told they would remove the account but that has still not happened. This account is not legitimate and should be removed from my reports immediately. I was told by the rep who took my payment that by me paying directly to Senex and not through the insurance, that this would be removed from my credit report. I was told a lie. I expect this record to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX at approx XXXX. I made a cash deposit of {$200.00}, I had XXXX XXXX dollar bills. The atm at XXXX XXXX, for this PNC bank was not working right!!. It spit out {$140.00}, it ate my {$60.00}!!!!!!!!! And I called their ridiculous customer service number, they had me on hold for over 15 minutes, I never got through to a manager in the retail escalations dept. So I called 2 more times to see what " bad customer service rep '' would say. They all said NO, we are not crediting your account the {$60.00} that our ATM ate! I could very well have checks bounce tomorrow because OF THEIR SEVERE NEGLIGENCE, THEY RARELY HAVE THESE HORRIBLE ATM 'S SERVICED! And now they literally STOLE MY MONEY!! I certainly hoped they get severely fined for this! I want that {$60.00} crediting NOW! Not only do they have horrible customer service, the hold times were horrid, they used all my cell minutes, I have a pre-paid phone. And they never have a manger working, they give wrong info of what department I needed to speak to! I called at XXXX XXXX, later after XXXX XXXX when I called again, that rep told me that I should have been able to speak to the right department before XXXX!! I am so mad right now at PNC I am having XXXX XXXX! My rent check could bounce because of thier horrid atms!! And if it does, I am getting an attorney after PNC! Thier reps told me this could take two weeks!! Fine PNC!

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Since I have submitted numerous disputes, since this is a paid collection that keep being refused to be removed from my credit report, as I have made the PAYMENT IN FULL for my XXXX XXXX account ending in XXXX. Transunion still has the payment status reporting as " in collectiosns/charge off. THIS ACCOUUNT IS CURRENTLY NOT IN COLLECECTION, THIS ACCOUNT HAS BEEN PAID, SO THERE FOR THE PAYMENT STATUS SHOULD REFLECT ACCORDINGLY. I WOULD LIKE TO SEE THE PAYMENT STATUS AS EITHER PAID CHARGE OFF, PAID AS AGREED. 

PLEASE AND THANK YOU

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Equifax is allowing XXXX to report falsely..I have disputed numerous times with them. I have two XXXX accounts which were sold to another collection company called XXXX. The balance should be {$0.00} on both accounts. I have the paper trail of every dispute

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit card () with TD BANK US HOLDING COMPANY (MN).
Issue: Late fee

Complaint: Credit card company stopped sending bills monthly but instead sent bills out sporadically and after payment was due so that we had fees and interest charged on multiple occasions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have reached out to all the companies on my credit bureau that is showing an inquiry that has been made and they have stated its a matter of record. I explained to them that I have been a victim of identity theft and that I have not requested credit from there company. I was told that they would not really affect me to there is nothing they can do to help me. I have contacted the credit bureaus and they have told me that they can not help me although I have a fraud alert and have explained to them that someone has try to obtain credit in my name. I have cell phone bills on my report that I am fighting to get off now. I am very upset about these inquiries and that the creditor nor the credit bureau is willing to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Child is XXXX XXXX XXXX my child support payments have never went delinquent in fact it is paid current up to date the payments that are being made right now is interest only not late fees and is invalid reporting to credit bureaus I have called and written letters for over 4 yrs to get this account removed off my credit ; because payments have always been current and onetime also because there were no services or contracted services nor product to have this account appaering on my credit report. Was made aware that new child support law from XX/XX/2017 enforces bureaus to remove child support from being reported to credit bureaus. Also the Federal Tax Lien is not my debt its reporting on wrong credit file, showing paid so why would it be reported so all information is invalid the account, account type, date, amount and mismatch personal information for this is not my account. As far as collection account I have not received medical treatment from company that has recently posted on my credit report : XXXX XXXX spoke with company trying to see how they got my information the information in their system does not match me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My daughter had an existing balance of {$2200.00} after her freshman year of college at XXXX College. We had everybody intention of paying the balance prior to her returning for summer session, however the financial sent the outstanding amount to credit collection company. We never received any information from the school that they were sending the outstanding balance to collection and are n't disputing that we owe the money and will/want to make arrangements to make the payments. My issue is we contacted the collection company to make payments arrangements and they 're charging us a fee of {$1100.00} for the account going to collections. I find this fee to be absurd and quite honestly its borderline criminal extortion! We have ZERO issues paying the balance owed but a 50-60 % fee charge has to be illegal. I spoke with the collections company management and attempted to resolve the situation and make payment arrangements however they refused to work with us, saying their fees are what they are and we 'll have to pay them the {$1100.00} extra in order to get the collection ls account settled. Any information or assurance would be greatly appreciated..

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Basically I called the credit company, and they gave me the run around, about what actions and processes had to be done. Did not help whatsoever, made it sound like they were reading the response from a script. Was not satisfied and did not get my problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Other debt) with Sentry Recovery and Collections, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX   XXXX ,  2015 {$6 70.00} Money and a whole lot of stuff was stolen from me at this address. Put my 30 day notice in and was on a month to month rental agreement. Charges are ridiculous as I went to   XXXX   XXXX   and repaired part of the same thing and was only  XXXX  dollars. The carpets were not changed out. As I have experienced putting in carpet before. They said the carpet would be put in, a lot more day 's and hours than needed. What, the company did or is trying to do. Is charge and fee me for the new carpet to be put in. For another tenant. I never got the new carpet put in when first moving in. As, I know this could and can be done in one hour. The company has put this, matter into collections and has damaged my  credit score and  credit scores. A free country my opinion, a slum lord.

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 07-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a number of student loans that initially were with XXXX XXXX. They are now with Navient. Although some of the loans are being paid on time I was having issues with XXXX other outstanding loans in that different people at Navient kept giving us different information on the interest rates and possible monthly payback options. A deal was struck with Navient in XXXX this year ( 2015 ) and then that deal was changed. I filled out numerous budget reports to XXXX/Navient ( which were required ) over the phone and explained over and over again what we could afford, this was all to no avail. In XXXX of our last phone conference calls with my Dad helping me out, they were insisting on a lump sum settlement which we were not able to do. The phone calls were coming in to us at a rate of over 5 to 7 per day and they got nasty and negative. No one was willing to work with us given our financial situation. We told them over and over again what we could afford and it was never good enough, it always had to go to a VP at the company for review and some reps told us to expect a call from the VP and other reps and supervisors told us we were crazy that the VP 's never spoke with the consumer. The highest level person we got was a supervisor and it was always someone different and equally as nasty. At some point in XXXX 2015 we received a call from XXXX XXXX XXXX ( the company that Navient has us in collection with ). After a couple of conversations with XXXX they are telling us that the only way to resolve this is by a lump sum fee and there is no way to work out monthly payments. The supervisor at XXXX yelled and hung up on my Father during the last phone call insisting that a lump some arrangement be made. No one will work with us or offer us payments that we can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (KY).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I had a vehicle loan with Santander since XXXX, the vehicle was repossessed in XX/XX/XXXX with no notice sent to me before or after. When I contacted the company I was told there was nothing I could do and the said they couldnt allow me to retrieve my personal property out of the vehicle due to state law. Ive sent several letters asking them to sent me a copy of the notices and validate the information they have because they say I still owe XXXX when the car was purchased for XXXX and Ive paid around XXXX on the vehicle, Santander will not respond to the letters and when I call they say they no longer have the info

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I learned that a default judgment, awarded to Midland Funding, and the recent garnishment of my wages, was based on a time barred debt beyond the statute of limitations through a frivolous lawsuit conducted by their attorneys at XXXX XXXX XXXX. Midland Funding and their attorneys were fully aware the debt was beyond the statute of limitations when they manipulated my credit report, by use of " parking '' or re-aging the debt, after it was charged off by the original creditor, to circumvent the statute of limitations on a time barred debt. It was n't until I read the Consent Order dated XXXX 2015 by the CFPB that this was a violation of the FCRA and FDCPA for gross misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom It May Concern  XXXX    XXXX   XXXX   XXXX    XXXX , CA  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX , TX   XXXX   Equifax   XXXX   XXXX   XXXX    XXXX , GA   XXXX    XXXX ,   XXXX   SOC SEC   #   XXXX   DOB    XX/XX/XXXX      XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE   XX/XX/XXXX  H ave enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
 XXXX ,   XXXX    SOC SEC  #   XXXX   DOB   XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (KS).
Issue: Application, originator, mortgage broker

Complaint: I have a XXXX eligible investment property loan thru Wells Fargo. 3 years ago I tried to refinance using XXXX. After 3 months of documentation gathering, they told me I could not refi because I had more than XXXX rental properties. They said it was their " internal '' requirement, not XXXX of XXXX. I just started the process with them again because they said they now waived that requirement. I was eligible in every way except I want my ex-husband 's name off the mortgage because he would not help me refinance it. I was successful getting this done thru XXXX refi on XXXX other properties 3 years ago. Now Wells Fargo says they ca n't because all of my rent money was being deposited into a bank account that had my name and my property management name on the account. They said that is not considered " personal '' funds and I have to show I made the mortgage payment with my " personal '' funds for the last 12 months. I was pretty sure last time I just had to show that my ex-husband 's name was not on the bank account but they said no, that was not the XXXX guidelines. I am paying them 7.25 % interest on the loan. I think they just want to keep getting the higher interest. Can you help? Can you clarify " personal '' funds for the purpose or removing XXXX person 's name from the loan when refinancing?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: HI, my complaint is about a modification that I got back in XX/XX/XXXX, and now that I have put my house on the market and went to closing on XXXX XXXX, XXXX there has been a big problem with the mortgage company the I got the modification with, My realtor and the title company has not been able to get the pay off balance from this company, because they keep coming up with different situation preventing the title company from getting this pay off balance, and this company charges me an additional 10 % of the proceed in which I amto received from the selling of the house, and I received a XXXX from them in XX/XX/XXXX in the amount of {$8800.00} during tax time, this is just a big mess and they are just ripping off innocence people that are in the need of help, I got laid off of my job in XX/XX/XXXX and got more hours to work on my part time job to make ends meet, so now as it goes, I will receive a little of nothing after this loan company takes the proceeds and If I am not mistaken it was 6 % and it has increased to 10 %, I 'm sure that I am not the only one with this problem so please, please help me, because I this that this company taken the advantage of certain races or all, and all the people that are working with this account states that they have never heard of such in all of their working with mortgage /loan companies. Thank you so much for your time

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Bankruptcy

Complaint: discover bank credit card was declared in bankruptcy on XXXXXXXXand discharged on XXXXXXXXand was reporting correctly to XXXX as 0f XXXX but effective XXXX started reporting to XXXX as an open account with outstanding debts. 
account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Consumer Loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (LA).
Issue: Charged fees or interest I didn't expect

Complaint: lender sending my contact info to warranty companies and these companies are trying to swindle me out of money for extended warranties, contacted the local company yesterday and person i spoke with was veryrude and said they would never force me to get a extended warranty but XXXX companies called and i was told by both that i had to have this true auto XXXX and national vehicle head quarters XXXX, now this company said i was refinancing a new vehicle false still have same truck 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MA).
Issue: Money was not available when promised

Complaint: I placed a wire transfer of {$25000.00} at XXXX XX/XX/2017 from my bank, XXXX XXXX XXXX , to Coinbase Inc , who instructed me to transfer it to their account with Metropolitan XXXX XXXX . 

Routing Number : XXXX Account Number : XXXX Recipient Instructions : XXXX As of this moment, the amount has not been credited to my XXXX account with Coinbase. I have opened a ticket with their support team and received no response. I have tried calling their support phone number and the phone was never answered. 

Case # XXXX This appears to have happed to several other people. 
XXXX XXXX  XXXX

Company response to consumer: Closed with explanation