milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and Transunion has not only been equivocal, they have not provided the requested and sanctioned documentation required by law, nor have they amended the information, in reference to the following accounts since last contact. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXPlease be advised that this is not a refusal to pay the debt, but a distinguish sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a specified compulsion, which is binding on me to wage this debt. This is NOT a request for " validation '' via E or evidence of my mailing address, but a mandate for AUTHENTICATION made pursuant to my Clear-cut name Date of Birth Social Security Number and correct address current accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with instantaneous validity. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any mistaken reports of these as mine. Please proof your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this apparent matter. What is your agreement of law for your collecting of intelligence? What is your authorization of law for your collection of this believed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my autograph or authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I called  Navient  after receiving a collection notice. I explained that I was a co-signer and that I was unemployed and that after more than 15 years paying for {$8000.00} they should just wiped it out. I called from the neighbors house and now they are harassing her. I emailed them and included my mailing address and they wrote back saying the following : Hello  XXXX , We are unable to assist you with your request via email. However, we are happy to discuss your account over the phone. Please call us at  XXXX . Were available Monday Friday  XXXX    XXXX   to  XXXX    XXXX  , and Saturday  XXXX    XXXX   to  XXXX   XXXX , ET.     Sincerely,  XXXX   XXXX   Navient This is  an attempt, by a debt collector, to collect a debt and any information obtained will be used for that purpose.     -- Original Message -- From :  XXXX  XXXX  XXXX  Date :  XXXX / XXXX /  XXXX    XXXX    XXXX    To :  XXXX  XXXX  XXXX  Subject :  Re  : Updated Contact Information Needed Dear representative, I hereby request a Cosigner release form. I 've been unemployed for the last 6 months and my unemployment is about to cease. I will have no income withing the next couple of weeks.     Please send a release form to :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  I want them to send me a release form. Please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (CA).
Issue: Trouble during payment process

Complaint: Notified my servicer on  XXXX   XXXX  that my property taxes where showing delinquent on the   XXXX   XXXX     county  tax assessors portal and I was receiving past due notices from the tax collector as well.     My servicer figured out that they had been paying my property taxes to the wrong property. On  XXXX   XXXX  I was told that they would fix this and make sure the proper account was accredited. It is now ov er one  month later and I have contacted the  XXXX   XXXX   County Tax Collector and they have no record of my servicer ever calling to fix the error or apply the funds to the correct property address or request a refund from the other homeowner that the taxes where in paid in error to.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Money transfer, virtual currency, or money service (Money order) with WESTERN UNION COMPANY, THE (CA).
Issue: Lost or stolen money order

Complaint: Ok western union money order was stolen nd cash in which wasnt the person my mom pays rent to .. when i made a claim nd did process which im at the last step .. so waiting for my refund. Its still be pending since last year XX/XX/XXXX i recentlly contact them on XX/XX/XXXX and its still pending i noe thats does not take that long they are so unprofesstional ..please can u help me

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Medical debt) with Rash Curtis and Associates (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: i had to pay {$750.00} to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX in XX/XX/XXXX.They transfered it to Rash Curtis & AssociatesXXXX XXXX XXXX XXXX, XXXX, CA XXXX i paid Rash & curtis {$750.00} on XX/XX/XXXX.after paying bill also they did n't send me a receipt and did not provide me a bill for it, still they sent this as negavtive item to XXXX credit baurau.

i requested XXXX to remove it from my credit report they said they ca
n't do it though it is paid, Rash & curtis associates and XXXX XXXX XXXX XXXX XXXX said same

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company continues to call me throughout the entire day from different numbers. I have asked them to stop previously through the CFPB and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have received debt collection letter from "  American Express   XXXX   XXXX  '' regarding Credit Card account that has been opened on my identity but I never actually opened it.     As American express detailed account number have last  XXXX  digit "  XXXX  '' and balance of {$4500.00} In my further inquiry about subjected account, I 've found out that a credit account has been opened on my name on   XXXX   XXXX   and closed on   XXXX   XXXX  . However I never opened such account and do not recognize any transaction from that account. Hence someone else must have opened a fraudulent credit card account on my stolen identity.     My name is  XXXX   XXXX  and I am a resident of   XXXX   XXXX   XXXX  , NY- XXXX . My appeal is to investigate this fraudulent account and fraudulent charges on my account as soon as possible. Also please advice me how to deal with this fraudulent debt collectors.     I 'm attaching copy of debt collection letter for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was purchased as part of a package by Ditech Financial LLC. 
Every month since the purchase of my loan by Ditech I have made my payments online with extra money added to be applied directly to principle. I do not have any outstanding fees or charges on my loan and my loan is and has been UP TO DATE since it 's inception in 2004. Ditech continually pays my loan forward to ongoing months and DOES NOT APPLY the extra funds to principle as intended. I have called every month since I started to make payments to have these payment reapplied. 
I believe that my mortgage account is being grossly mishandled by Ditech and feel that I have not had the proper amount of principle applied. I just got off the phone with Ditech and once again have requested that my monthly mortgage payment plus extra be applied correctly. I have not been assured that the proper amounts I have been paying extra has been applied correctly and the interest billed is incorrect.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Credit card debt) with Alliance Data Card Services (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated phone calls, like one every hour. I have asked them to stop calling with no resolution. Also have filed complaint before, which helped a while. Also got calls on Sunday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: I made a wire transfer of {$150.00} to Coinbase, Inc on XXXX/XXXX/2017. However, until now, the fund is still not available. I tried to contact Coinbase Customer Support, but my ticket has not been replied.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been attempting to repair my credit for 2.5 years now, I am not joking. I am only going to present XXXX issue at a time. I can not ever get answers to my questions, from anyone, not the creditors, credit reporting agencies, hired " credit repair '' This attachment is an example of the outrageous inconstancies, and what appears to be random, and arbitrary application. This is XXXX alert from over XXXX similar I have received from " MYFICO '' monthly, ( XXXX of many monthly subscriptions I pay for ) PLEASE HELP! Where do I even begin to deal, fight this? I am under time constraint, I will lose my house & future if I do n't resolve my credit issues! I need to get a HELOC & CAN NOT WITH MY SCORE & REPORTS. 
Thanks 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 07/25/2016 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (CA).
Issue: Managing the loan or lease

Complaint: since XX/XX/XXXX i have submitted a higher monthly payment that my monthly payment due and requested that the difference be applied to the full principle amount that would leave me with an even amount due the loan company continues to apply interest dispite my requests. i have spoken to XXXX quote un-quote mangers who stated that would remove the interest amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PRESTIGE FINANCIAL SERVICES INC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Prestige Financial stopped reporting positive payment history. Payments made under 30 days, went unreported to XXXX for several consecutive months in XXXX. During my attempt at rebuilding decent credit, Prestige failed to update XXXX with payments made in good standing. When I fell behind XXXX days XXXX, Prestige quickly updated my account and listed the account as currently past due on the same day the agreed upon payment arrangement cleared. Post payment, I am left with a currently past due account on my credit report. Presitige Financial chooses when to report your credit activity and its not when your account is positve or timely. Prestige also updated the same account XXXX as currently past due to XXXX, after years of reporting the account was closed in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I contacted Equifax numerous times about a fraudulent account on my credit report. The account was 5-6 years old and not opened by me. Several Equifax supervisors stated to me that they would be able to remove the item after receiving a FTC report and a Police Report. They stated this would be removed within 48 hours. Two weeks later, I have not received a call back and the information is still on my report. I 'm frustrated because they promised to follow up with me and have not, I 've spent approximately 2-3 hours a day trying to resolve this issue for the past 2 weeks. The other credit reporting agencies have already removed the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Struggling to pay mortgage

Complaint: I HAVE APPLIED FOR HARDSHIP ASSISTANCE AND HAVE BEEN DENIED TWICE. THE REASON FOR DENIAL IS DUE TO INCOME, WHEN I GO OVER INCOME WITH MY SERVICER CHASE THEY INFORM ME THAT THE ONLY HOUSEHOLD INCOME IS MY INCOME. I HAVE A FIANCE THAT LIVES IN THE PROPERTY AND CONTRIBUTES WHICH I HAVE PROVIDED PROOF OF HIS INCOME AND A CONTRIBUTION FORM. CHASE HAS NO CLUE OF GUIDELINES BECAUSE THEY ARE STATING THAT FHA HAS A NEW GUIDELINE THAT DOESNT ALLOW FOR CONTRIBUTION, THIS IS OUTRAGEOUS. I HAVE RESEARCH MY LOANS GUIDELINES AND FOUND THAT THEY DO IN FACT USE CONTRIBUTORS.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed XXXX on my Experian credit report several times. The debt was cancelled by XXXX and I received a XXXX form, stating the debt was cancelled. I paid taxes on the cancelled debt. Experian continues to incorrectly report the debt as delinquent and past due. I was recently turned down for a mortgage loan due to incorrect credit reporting by Experian. This is my final attempt to have Experian correct this error, before I sue them. I am attaching the latest document from Experian dated XXXX 2015 showing the result of their investigation. This error is after I submitted a copy of the XXXX C form that I am attaching to this complaint. I have been injured by Experian 's inaccurate reporting, and if the error is not correcting this time, I intend to sue them for for actual and punitive damages. Experian continues to ignore my requests to correct the error, even though I supply the documentation that I am attaching today to this complaint. This official complaint, if not corrected, will be used as additional proof of the malicious behavior Experian is subjecting me to. The account is paid in full and not past due. The debt has been cancelled, as the document states. Note the account numbers on XXXX the credit report and the XXXX are identical.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-01-2017 about Debt collection (Auto debt) with MarkOne Holdings, LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/2017 I have been getting repeated calls all day long from MarkOne Financial. I was at work all day and was not able to pick up my phone. They have also contacted other friends and family members of mine and I know that it 's against the law to get repeated calls back to back from a debt collector and I 'm really upset at this point. This has not been the first attempt they call back to back all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Payday loan () with CHECK INTO CASH INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX XXXX president XXXX XXXX, and manager XXXX XXXX, have been ongoing threats and selling my private info from these debt collector agencies, stealing identity and started services in my name. Coercing & extortion of government funds after filings of XXXX, then selling info out to criminals. Ongoing harassment some of XXXX nature threw internet & out in front of my rental places. After XXXX move to rental units next door to me, threats & XXXX harassment begains, inflicting moving cost on me time n time again. Lying to court judges & stealing money orders n checks made out to me cashing them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2016 about Debt collection (Medical) with Phoenix Financial Services LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the fifth time I must dispute this same bad debt. Upon attempting to dispute on this occasion Phoenix Financial Services has made it increasingly difficult for me to dispute this debt as they have three times over confirmed to XXXX that the debt they claim I owe is current, active, and legitimate. This is not true. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file. The same debt continues to appear on my report from different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are dishonest practices. This has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports. Attached to my precious complaint against XXXX you will find a picture of a communication from the original creditor evidencing that I in fact owe {$XXXX} associated with this original debt that incorrectly keeps reappearing on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Pressler and Pressler Collection Agency has been collecting monies on a debt way longer than they should. They received the debt plus plenty of interest to date. This case should be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Best Service Co.,Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt in question was paid in XXXX 2014 and is still being reported to the national credit gathering agencies as an open collection account. Proof of payment has been provided to the agency and they have failed to respond or correct the reporting. The accounts being reported as a balance owed to XXXX XXXX XXXX XXXX but the balance was paid to XXXX, who XXXX XXXX XXXX XXXX referred the matter to as well, meaning the same account was referred to XXXX ( XXXX ) separate agencies for collections, which I believe is defined as overshadowing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Other service issues

Complaint: It took XXXX different phone operators at XXXX more than 20 minutes to complete my opt out request to limit the sharing of my information. It felt predatory and like they were just reading a script to get me to just opt out of emails from their company instead of limiting my sharing with affiliates and non-affiliates. The operator kept promising me that they do n't share my information with affiliates and non-affiliates when the privacy policy that I agreed to when signing up, clearly sates that they do. Their privacy policy can be found here XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I was unemployed so I contacted Ocwen about an unemployment forbearance. I paid every one of my forbearance payments every month. After the forbearance period ended, Ocwen declared that I was 5 months behind on my regular payment amount, placing me in an impossible position and attempting to force me into foreclosure. They are demanding many thousands of dollars at once in order to " reinstate '' my account, which I had been paying my payments on every month until then.

Company response to consumer: Closed with explanation