milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-05-2017 about Money transfer, virtual currency, or money service (Virtual currency) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TN).
Issue: Fraud or scam

Complaint: I 've reported these fraud transactions to IRS. Because fraud payments were made to someone by IRS. I 've reported my drivers license being stolen to XXXX Police Department. The Department of Motor Vehicle in Tennessee, & my social security card stolen. There was an Ace employee that changed the last digit on my driver license to a four with a XXXX XXXX check. Check number XXXX in the amount of {$400.00} do not belong to me. I never made that transaction. Check number XXXX in the amount of {$650.00} was not a payment received by me. These payments was paid by IRS to someone that have an account with Ace. I do n't have an account with Ace & never had one. I 've cashed checks with Ace, that 's all. Ace Aceid is XXXX the maker was USTreasury ABA for the US Treasury is XXXX. Both was done in XXXX. As I 've mentioned XXXX XXXX XXXX XXXX amended & restated my tax returns & made themselves my conservator. All of my former employers have been changed with XXXX. A seven year alert have been placed on my credit report. The XXXX Family was also given my XXXX XXXX information by Attorney XXXX XXXX. After I filed bankruptcy in XXXX. XXXX XXXX the broker with XXXX XXXX XXXX set up the fraud account with XXXX XXXX. After she & XXXX XXXX stole my retirement check from Principle. They all need to be investigated, especially the attorney. He conspired with The XXXX Family to steal from the bankruptcy courts. He helped them to delete my history & take my home. Someone is receiving social security benefits through Ace using my identity. Ace is allowing a lot of Federal Government fraudulent activity go on through their company. I am shouting from the roof top. I did n't work hard all my life for someone else to reap my benefits. XXXX XXXX is another person that had access to my information. This woman once lived with my late father. She 's using his social security number & he have been deceased since XXXX. His name is XXXX XXXX. She 's working with the XXXX Family. The FBI told me its an inside job.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: APR or interest rate

Complaint: I maintain several credit card accounts with Capital One. On my XXXX Business Credit Card, they apparently have the option to charge a XXXX XXXX of 29.65 % if you are late for an indefinite period of time. Prior to the penalty, I was paying 12.99 %. I have a great payment history with on-time payments, but when I changed banks due to a move, I was late by 4 days, resulting in the increased interest rate. I find it egregious and unfair and would like to submit my complete dissatisfaction with this policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Son ( who is XXXX ) lived at a different address during 2013. I am XXXX, but we have similar names. 
XXXX is looking for money from him and turned it over to a debt collector. ( XXXX in 2 years, although XXXX ) For the last XXXX 9 months, they call twice a day and never say anything and just hang-up. They sent letter but figured it was a scam as I have Excellent Credit. Looked at my credit report today and sure enough, Stellar Recovery dinged my credit! I called their XXXX number and explained that this debt is not mine, that i have lived at same address for XXXX years and the address they are trying to collect for is not even in this town. My XXXX Account is current and on Auto-pay! Once again I have filed a complaint with the XXXX will also file with XXXX office for fraudulent reporting to a credit agency. Last year it was XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX @ XXXX. Took 6 months to clean up. Now this year it is Stellar Recovery, XXXX XXXX XXXX, XXXX, XXXX XXXX phone XXXX or XXXX ... Also show a XXXX address : Stellar Recovery, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX..Are these XXXX companies in bed with each other and XXXX? Seems odd that XXXX can sell old debt over and over again and XXXX innocent consumers over in the end. Should be a law against!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Student loan (Non-federal student loan) with National Enterprise Systems, Inc. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I co-signed a student loan for a friend and the loan was sold to debt collection agency called National Enterprise Systems in Ohio after default. The Collection agency fraudulently obtained my bank account information and withdrew XXXX withdrawals from my bank account in the amounts of {$1400.00} and {$1100.00}. I did not give the collection agency my banking information or permission to withdraw money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: As I approached my graduation date I called my loan provider to get assistance with consolidating my loans. The person that helped me took me through so many steps that I actually felt good about about the process and felt that the person was actually consolidating my loans. Well a year or two later I get a call saying that I owed all this money to all these different companies regarding my student loans. I explained to the person that that could not be possible because I had consolidated my loans already. The person told me that that was not the case. My loans were not consolidated and had never been consolidated. I began to feel angry and I wanted to cry. So the person on the phone began to yell at me about making a payment. When I explained that I was still trying to process that for nearly two years I thought my loans were consolidated and come to find out that they were not, I was lost for words. So I was told that I could get into some type of repayment plan for nine months and after that period I would be caught up. And my loan would come out of default. Well I participated in the repayment plan, they garnished my checks and withheld my tax refund from me for years. The student loan process is not worth the stress that people go through. Many people aspire to go to college, get a degree, and hope to become a part of society and positively impact the world. Well for many they live with worry about how they are going to make it from day to day. And then when these college graduates get married and have kids of their own they struggle with how will me child pay for college especially if I 'm still trying to pay off a large debit that I owe. I would urge people to save as much as they can to make a better future for their families. It 's much easier said than done. But do we really want our children to suffer the way many are suffering today? Something has to change. You ca n't build up hope and expectations with little kids about going to college if they wo n't be able to afford it or be able to afford to live after they have gone to college and graduated with a large debt chained to their legs. Something has to change. Build a better and brighter future, PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Last year I found out that I had a lot of information on my credit bureaus that wasnt mine such as collection accounts, inquiries and personal information. I found out that my information was mixed was mixed up with a different name than mine with addresses that I never lived at in Alaska, phone numbers that werent mine and several inquiries that werent mine and collection accounts. I have had most of the info removed off my XXXX report, I disputed with Equifax and they removed some personal info but not all of it, they didnt remove fraudulent accounts and or inquiries after the supervisor said they would if I added a fraud report to my bureau. I cant get online to redisoute with Equifax, it keeps saying the information Im entering to verify myself doesnt match their records thats because they might have some of the wrong info. XXXX Im having problems with the inquiries and again its impossibke to get ahold of any live representatives and or online with them. These issues have caused my scores to drop over 130 points in the past year.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I DISPUTED THIS WITH  XXXX  CREDIT BUREAU REGARDING CREDIT MANAGEMENT LP DUE TO THE FACT THAT THIS COLLECTION AGENCY IS STILL REPORTING THAT I HAVE AN OPEN ACCOUNT UNPAID. THE CREDIT BUREAUS INVESTIGATION WAS VERY POOR. I HAVE A RECEIPT LETTER AND I HAVE A BANK ACCOUNT SHOWING THAT THIS WAS PAID IN FULL. I DISPUTED THAT I WAS NO LONGER LIABLE AND THAT IT WAS CLOSED. I WILL BE FILLING A COMPLAINT TO  XXXX  AS WELL FOR NOT DOING THERE DUE DILIGENCE. THIS COLLECTION AGENCY IS STILL LYING AS YOU WILL SEE BY THERE RESPONSE TO THE CREDIT BUREAU.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting a judgment : XXXX/XXXX/2010 XXXX XXXX XXXX XXXX {$19000.00} This does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (Medical) with Credit Financial Services, lnc (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have sent letters to this collection agency to respond and send me proof of my debt, I have had the mortgage lending company to reach out to this company and no one responded at all. If it is in fact my debt, I will pay it but if I can not get proof it was my debt it should not be on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: 9 months ago I received a credit card to start building credit and 3 months ago I checked my credit and I had 'No score available '. I went into my bank only to find out that none of the credit accumulated from that credit card had been reported. I have waited for 2-4 months and have not heard back from anyone and still have no score.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Delinquent account

Complaint: I applied online for a Barclay Bank Visa card as part of a program through XXXX to finance a new computer. They have never sent me so much as an invoice, let alone the actual card. I 've not been able to make any payments online because you need the card number to set up online payments. The only thing I know is the last XXXX digits of the card, because that was in the first email they sent me. When the account is in arrears enough, I get an offer of a payment plan, and can sign in using the last XXXX digits of the account to make a payment. Once you make a payment, you can no longer sign in that way and have to wait to be in arrears again. I have been able to make XXXX payments, and my credit score is plummeting because of this. The only way to contact them is over the phone ( I have XXXX and ca n't use the phone ) or at a mailing address. I wrote them a letter XX/XX/XXXX asking for their help and received no response of any kind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Debt Mediation, Inc. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: A representative for PDM ( Professional Debt Mediation ) by the name of XXXX XXXX used intimidation and bullying practices to collect a debt from my spouse and myself. XXXX XXXX spoke in a very condescending tone and also raised her voice in a scolding way as well, on more than XXXX occasion. XXXX example, on XXXX/XXXX/15 I contacted the office to arrange a payment schedule for the remaining debts to be paid. I was advised by the original creditor, a XXXX XXXX XXXX representative " XXXX '' to ask for XXXX XXXX 's supervisor, due to a recent conversation XXXX XXXX had with my husband XXXX XXXX that did not go well at all. I called, asked for her supervisor, and was placed on hold in which seconds later XXXX XXXX was on the line. I told her who I was, and I requested to speak with XXXX XXXX ( supervisor ). XXXX XXXX immediately in a hostile tone proceeded to inform me of what needed to be paid. I waited for her to finish and then stated that I was advised to speak with her supervisor, she raised her tone and said " Look I 'm not playing these games with you! '' I at that time hung up and called the original creditor. XXXX ( original creditor ) called XXXX, and was able to speak with XXXX XXXX immediately. XXXX returned my call to give me XXXX XXXX 's extension, and advised me ( again ) to call XXXX XXXX. I was able to speak with XXXX XXXX, he scheduled the payments to come out on the dates I specified, and stated that he would look into the incidents. I would like to add that XXXX also left intimidating voice messages for both my husband and myself. Though XXXX XXXX ( very polite ) is now handling our account because of XXXX XXXX 's collection practices, I thought it was extremely important to file a complaint. I would not want anyone else to experience the verbal abuse that my husband and I have experienced, at the hands of XXXX XXXX of Professional Debt Mediation. These debt collectors need to always respect others, just because a person has a debt does not mean that you are free to speak to them in a disrespectful, demeaning, and abusive way. Professionalism should always be first and foremost, at all times. Hostility is unacceptable and should not be allowed, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I refinanced a vehicle wi th    XXXX   XXXX   XXXX   in  XXXX , GA  in    XX/XX/XXXX  while  resident of the state of Maryland. The refinance document was executed in th e State o  f Maryland.       XXXX  repossessed the vehicle i n  XX/XX/XXXX  of t he same year in the  Sate of   Maryland.  Due to a single late payment.     They never gave me access to the vehicle to recover personal items from the vehicle. I had a computer with multiple monitors, prescription glasses and clothes in the vehicle.      XXXX  never sent me a discretionary notice, which is required in the  state of   Maryland to rec over repossession fees.      XXXX  never sent me a 5 day notice of my right to redeem which is required by Maryla nd State Law. Whic h prevents them from collecting any type of deficiency balance in the  State o  f Maryland.       XXXX  never advised me of the location, date or time of the public auction that is required for them to collect any type of deficiency balance in th e State of G eorgia.      XXXX  has reported a deficiency balance since   XX/XX/XXXX  to my credit report showing that I owe them {$5600.00}.      They continue to update this reporting with the credit bureaus. Last update wa s  XX/XX/XXXX .      The fail to report a date of last activity to the credit reporting agencies.     Any alleged debt to     XXXX   XXXX   XXXX   would not be enforceable in the State of Maryland or in the State of Georgia due to them not following applicable state laws.      XXXX  continues to participate in an illegal scheme to poison my credit report by stating that I owe them a non legitimate debt.        XXXX   XXXX   li belous acts have caused me to pay interest rates higher than I should on a recent car loan or to be denied credit.     I have initiated disputes with the credit bureaus and directly with  XXXX   XXXX   XXXX  and they continue to verify that I owe them a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On or aroundXX/XX/XXXX I received a letter from TRANSWORLD SYSTEMS INC. a collections letter from XX/XX/XXXX. I have never entered into a contract with either company. According to the FTC site, the parent company and owner are under permanent in injunction. And it also appears Transworld operated under a different parent company in XXXX and was permanently injunction from operations regarding debt collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt TRANSWORLD purport I owe. PLEASE produce a signed contract or signature legally binding me to contract for business with either of these two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Late fee

Complaint: My daughter has been paying my credit card every month on the same date. Now all of sudden Capital One post on my online account this Noticed " Oops! Looks like your account is behind. You can easily make a payment now or learn about missed payments. If you recently made a payment, you can check the status. Thanks! " I have call them and ask why all of sudden my payment is so call late when we pay every month the same date. The agent was rude and telling me that I have n't made a payment. But I can show payment are done every month on between date of XX/XX/XXXX to XX/XX/XXXX. We even pay online through their website the so call {$100.00} I was so call late on. Still that Alert on my capital one account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/26/2016 about Consumer Loan (Vehicle lease) with VW Credit (GA).
Issue: Managing the loan or lease

Complaint: The VW company does not provide a set date for payment. They change the date monthly on due date. I thought my payment was due on the XXXX of each month. I paid it 29 days late I thought so it would not affect my credit. I was told later, oh it was XX/XX/XXXX. 
this is not something people have time to do check monthly payment dates. 
they dinked my credit, even though they didnt have to. they do this in order to jack up the rate per month on your credit and to stop you from buying a car, making it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Advertising and marketing

Complaint: Citicard runs a earned points system called " Citi Easy Deals ''. The points earned are based on money spent on the their credit cards, then the cardholder is supposed to go in and use the points to buy in the online store or bid in auctions or daily deals. 

The scam begins whenever they list something in their daily deal, the customer goes in the very second it lists and they always say it 's already sold out. The auction system is equally questionable. 
Citicard Easy Deals should be investigated on this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 punishing me because I am reporting them to you all. They just put my daughter, and my son negative information on my credit file. They know very well that is not my information. My son is the third generation, XXXX. I just got off the telephone with Equifax, and I explained to them that this is not my information. I told her I am reporting them, and she said, they are not going to remove it, and no one will make them remove that negative information. Why is this company getting a get out of jail free card? They are openly rebuking me since I filed this complaint. This proves another point, I tried to convey to them, and they do not care if I am Veteran, XXXX XXXX XXXX, or not. Why does this company have that much power? I am nervous writing this complaint, they will be coming at me again because I filed the complaint against them less than 24 hours ago, it is no way they could possibly investigate this matter so quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX did not take my payment as they claimed they would. When I called them XXXX immediately ) they told me they had a computer " glitch ''. By the time they eventually took the payment they had reported me to the credit bureaus as late. They refunded me the late charges etc, further proving that the error was theirs but in spite of my calling them they have not corrected my credit report. 
Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation