milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-04-2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other transaction issues

Complaint: I went to CVS to send money via MoneyGram Payments Systems , Inc. on XXXX XXXX, 2015. I paid {$300.00} cash, of which {$9.00} was transaction fee, reference # XXXX. The money was intended for my mother, XXXX XXXX, in XXXX. When she went XXXX XXXX to the designated bank in XXXX, they informed her that the money was never transmitted. She tried again on XXXX XXXX with the same result. That same day, XXXX XXXX, I contacted MoneyGram about the problem. They told me that my name was incorrect, even though my receipt shows my name accurately. Then they transferred me from XXXX person to the next. I spoke with XXXX people that day. The names I have are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ( XXXX did not provide a name ). The call lasted over XXXX hours. The last person, XXXX, opened a case, provided case # XXXX. She said she would give me a call after they investigate. They also said that " someone '' had requested a refund, but refused to explain what they meant, who it was, when it was, or any detail. At this point I was highly suspecting FRAUD. 

After 5 days, I had not received any call, so I called MoneyGram again on XXXX XXXX and spoke with several people, once again being transferred repeatedly. They ended out telling me that I would have to wait up to 3 weeks for resolution. They still have never called, not once. When I called again various dates they were unable to provide any information. They said they would assign a single agent to investigate, but they did not provide a name or contact or any confirmation. Later, they increased the time for resolution to 90 days! During my calls with MoneyGram, customer service was downright terrible and unprofessional. Repeatedly being transferred to persons that could not help, and long hold times was very frustrating. The last agent, XXXX, to whom I spoke with would not transfer me to the escalation department even though I had a case number. Instead I had to re-explain my whole situation again. Then I was transferred to a supervisor named XXXX, who did not offer any kind of apology, provided the same canned responses, and then suddenly hung up on me when I said I was not satisfied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2018 about Debt collection (Credit card debt) with Ballybunion Enterprises, Inc (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I have a debt I am working with the original creditor on and am receiving calls from XXXX XXXX XXXX XXXX. XXXX XXXX with XXXX XXXX XXXX XXXX contacted me at my place of work and I informed him to delete the number from my account and add my personal number. The next day I received a call back from him and again told him to delete the number and that I am not authorized personal calls of any type at my place of work. During this phone call I also spoke to XXXX XXXX supervisor and reiterated 2 times that I am not authorized personal calls of any type at work. On XX/XX/2018 at approximately XXXX XXXX  EST I received a third call from XXXX XXXX at my place of work. I informed him for a third time that I am not authorized personal calls of any type at work. XXXX XXXX stated that there " was no note on my account stating that I am unable to receive calls at work. '' As stated by XXXX XXXX and his supervisor at XXXX XXXX XXXX XXXX all calls are recorded. Review of phone call recordings will reveal that I informed both XXXX XXXX and his supervisor that I am not authorized to receive phone calls at work. With the insistent calling to my place of work after being informed I am not authorized calls at work is in direct violation of law.

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 12-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX/XXXX/2015 I faxed Trans Union a dispute letter of a Federal Tax Lien that they are reporting against me. With that dispute I showed them a letter from the IRS that said the lien was withdrawn. That means it does n't exist anymore. On XXXX XXXX, 2015 I received a letter from Trans Union saying " verified, no change ''. It 's obvious to me that no resonable investigation was made as the facts are CLEAR. This lien has been withdrawn by the IRS and needs to be removed immediately from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (I do not know) with The CBE Group, Inc. (MN).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have sent a cease letter, twice. They continue to call. I have also asked for validation of debt in writing ( over a month ago ). I have heard nothing. Just non stop calls at my work. Then it goes to my cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: National Credit system is attempting to collect a debt that I never establised a contract with them XX/XX/2001 of a balance of XXXX and a balance of XXXX. They placed the negative item onto my XXXX credit report file which is a false witness to my name. They are violating the FCRA law and the status of limitation to collect a debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Deposits and withdrawals

Complaint: After I returned merchandise and did n't get my funds back, I opened dispute with US bank. A month later I was debited funds which were credited back to me previously. I even provided tracking number when I opened the dispute. When I called the customer services was rude and di n't listen to my concerns.

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 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: A debt I owe to XXXX was mailed to me. I was given information as to how to pay for it but the registration code does n't work so I ca n't log in to pay for anything! The website does n't work half the time so I wont even be able to figure it out. Now I have no way to pay for this even if I tried. It will effect my credit which is not fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I had a bankruptcy discharged in XX/XX/XXXX at which time the judge would not reaffirm my mtg. I continued paying mtg. even after I relocated from XXXX to XXXX for a job on XX/XX/XXXX. I paid mtg until XX/XX/XXXX at which time I called mtg co. many times asking to give deed to mtg. co. in lieu of pymt. The mtg. co. took months and many calls before they finally mailed me paperwork. They then took many months to process the paperwork I submitted, and, in the meantime they kept reporting to the credit agencies that the mortgage was reaffirmed after bankruptcy ( and outright lie by the mortgage company ) and that I was not paying, It was not until XX/XX/XXXX, after almost a year in trying to resolve the issue with this home I was not living in, did they deny my request to provide deed in lieu of payment on the grounds that my credit score was too low ( 587 ). The mtg. company and their delay in sending me the paperwork and then processing the paperwork is the reason my credit score is so low. The only options they are giving me are Reinstatement, Repayment, or Modification. I live 1700 miles away, and renting the home is not an option under the Affordable Housing guidelines. I am trying to now sell the house, though the maximum price I 'm allowed to sell it for is less than the mortgage amount. At least I think it is, but I have been asking for over 4 weeks for the mortgage company to provide me a payoff amount, and I keep calling them but they will not provide the payoff amount to me. They keep making excuses as to why they can not provide the payoff amount and keep extending the date when I will receive the payoff amount. I was first told I would receive it in 5 days. I called them after 2 weeks and was told in another 4 days I would receive the payoff amount. That was over 2 weeks ago. They are holding me hostage or punishing me and in the meantime continuing to destroy my credit for a mortgage that a bankruptcy judge told me I was not legally responsible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: After continuing a dialogue with NationsStar/Mr Cooper as well as opening several complaints, reading and receiving their response, I have received the attached statement from this mortgage company. According to this statement, we owe {$10000.00} which is not what has been reported to CFPB. The last correspondence explains we have made 3 completed trial payments and our payments, afterwards, are modified payments of {$1400.00}? Which is financially unacceptable. For several reasons, we were TOLD, how this modification would work in our favor because payments would be smaller than the trial payments. Secondly, this mortgage company totally ignored tax payments are under a deferral and were sent back to the mortgage company several times because of this. One of the homeowners is XXXX and receives XXXX income making it nearly impossible to meet the payment of greater than {$1000.00}. A representative over the phone called and said our financials are not factored in when a modification is being considered. Please tell us how is this possible? Also, doing this time, our city suffered a flooding disaster ( XXXX, 2017 ) and this representative called attempting to collect a payment from us! Finally, we should have been offered a much better modification due to the disaster in our area recently. This is the fourth complaint on the same issue with this company and while the POC continues to deny Nations Star did nothing wrong, please share with consumers, state and government housing authorities why Nation Star would choose to exclaim its representatives did nothing wrong. Is that even the point? Previous submission ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello  . ARS collection agency. First appeared on my credit report monitoring as an alert, many listings for the same amount. Never received notice in the mail. Sent them a request for validation. Never received an answer. Sent that information to   XXXX   XXXX   XXXX   XXXX  . All  XXXX  agencies removed the listings.
Fast forward two years later, again I get a notice from credit monitoring saying these have AGAIN appeared on my credit report. Disputed with   XXXX   XXXX   XXXX   XXXX  . Again sent request to validate the debt - tracked of course though the USPS. They again failed to validate the debt. Still not removed from   XXXX   XXXX   XXXX   XXXX  . I do n't recognize the account and they did not se  nd validation of the debt. Not sure what to do at this point.

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TransUnion : 1. XXXX 2. XXXX 3. XXXX XXXX XXXX : 1. XXXX 2. XXXX 3. XXXX XXXX It has been an on going issue this year alone with TransUnion & XXXX. I was told that the credit bureaus are working on this issue but it has been more than 60 days and these mysterious inquiries pops up on my credit report out of no where, I have never given any companies or personnel no authorizations to open any accounts on my credit and they remain on my credit. I recently received a credit report less than a week ago and they remain on my credit. I have patiently waited for the investigation process and I feel that I 'm wasting my time because it has been more than 60 days and no one at any of the bureaus are making this situation no better. I am at the point of filing a civil lawsuit soon if the mysterious inquiries remain on my credit.

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 09-09-2016 about Bank account or service ((CD) Certificate of deposit) with SYNCHRONY FINANCIAL (TX).
Issue: Account opening, closing, or management

Complaint: I am NEVER able to login to SYNCHRONY BANK because the EXTRA SECURITY TELEPHONE NUMBERS they show for SENDING A phone call or text message with a Pass Code, are NOT MY CORRECT NUMBERS. I am NEVER ABLE TO LOGIN. Opened CDs with my XXXX Savings and can not Login.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXXtax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I HAD A LIEN PLACED ON MY HOME DUE TO OWING TAXES TO THE STATE OF MICHIGAN, WHICH SINCE HAS BEEN RELEASED XXXX OF THIS YEAR .... PAID IT IN FULL WITH MY REFUND, ALSO RECEIVED A LETTER STATING THE LIEN WAS IN FACT PAID IN FULL IN THE MAIL. 
THE CREDIT BUREAU ( S ) NEED TO UPDATE AND I AM SURE THIS WILL HELP MY CREDIT SCORE. THANK YOU FOR ALL YOUR HELP THIS IS A WONDERFUL VERY HELPFUL SITE, I AM SURE YOU ARE HELPING MANY!! 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WI).
Issue: Account opening, closing, or management

Complaint: I applied for a Citigold checking account in XXXX 2015 with a promotion that if I open the account and use their bill pay feature for 2 months in a row I would get XXXX Thank You Points. I completed all of the requirements and then chatted with a Citi representative to confirm that the bonus had been applied. I was told it had and only had to wait 90 days for the points to post to my account. After waiting, the points never posted and thus I messaged Citi again to see when they would post. I then got an email from Citi stating that no points would be given as no bonus had been applied to my account. After being told I would be given the points, waiting and then finally not being given the points I signed up for, I feel this was not fair and thus wanted to file a 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 non-monetary relief
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I asked for XXXX XXXX to verify or remove account information from my credit profile that I feel is incorrect. The bases for my request is because each of the three credit reports TransUnion, XXXX and XXXX are reporting different and conflicting information. I asked XXXX XXXX for a copy of the signed application. The response I received to that request. " Due to the method of application, there is no application copy available. '' I asked them for a copy of the payment history. Since all 3 credit reporting agencies are reporting no payment history and varying dates of delinquency. the response I received " We do not report a date of last activity. '' that is convenient. " We are not obligated to provide all of the documentation you requested, '' I did n't receive any of the information requested.

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 09/23/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested the removal of Bankruptcy record from my report. The bankruptcy was discharged more than 7 years ago, and by their own words, the record may remain for 7 or up to 10 years.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (FL).
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: In XX/XX/XXXX during the economic downturn, I had a vehicle repossessed by my lender for no apparent reason.  I recovered the vehicle from the bank 2 days later.  A few years after this incident, I decided to pay off the vehicle to save on interest.  For many years the negative credit rating of late payments and the repossession made it hard for me to obtain preferable rates and new loans.  After 7 long years of suffering, the account finally switched over to a positive status.  Nevertheless, the lender {SunTrust Bank} decided to add negative comments to my now positive account stating, “redeem repossession.”  I’ve explained this issue to SunTrust and all three credit agencies on SEVERAL occasions.  However, each entity continues to “yes, yes, yes, I understand” but no changes are being made.  An account can only be negative or positive—it shouldn’t be listed as positive yet have negative comments below it.  There is no middle ground.  I’ve been denied loans and credit card increases do to the negative remarks that continues to display on my reports.  I have disputed this matter many times over, nonetheless, SunTrust continues to abuse their powers without any regard on how this issue is affecting me, my family and my business ability to prosper.  I’ve been told this account status is schedule to remain on my credit report until XX/XX/XXXX.  With that being said—there’s no way any negative reporting including bankruptcies should follow a person for 13 years.  A consumer reporting agency cannot report negative information that is more than seven years old.  The stress and sleepless night have gone on long enough

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 04/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit reporting company Experian is reporting my mortgage payment as late. My mortgage payments has not been late in over 5 years. This is also affecting my credit score. I have been trying to resolve this issue with Experian over the past 2 years to no avail. This information can also be verified with my mortgage company. Calls made to the company have been unsuccessful, due to the fact that it is a constance recording.

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 08/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Other

Complaint: I received a Capital One Business Credit Card that was suppose to be reported only on my business credit reports but to my surprise I was notified by XXXX that the Business card was being reported on my personal credit reports. This is a violation of the FCRA, FCBA and FDCPA. I called an spoke to a Rep. Name XXXX out of XXXX Florida and he said they are required to report it on the personal and business credit and I advised him that I was told that it would only be reported on my business credit report and only on my personal credit report if the business defaults on the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Loan Science, LLC (FL).
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: I PREVIOUSLY COMPLAINED ABOUT XXXX/LOAN SCIENCE REPORTING AN INCORRECT 1ST DATE OF DELINQUENCY WITH RESPECT TO TWO STUDENT LOANS REPORTING ON MY CREDIT FILES. THE INCORRECT DATE OF DELINQUENCY XXXX/LOAN SCIENCE IS REPORTING IS XXXX XXXX. HOWEVER, THE CORRECT DATE OF DELINQUENCY IS XXXX XXXX. AS SUCH THE ACCOUNTS SHOULD NO LONGER APPEAR ON MY CREDIT FILES.

Company response to consumer: Closed with explanation