milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Confusing or missing disclosures

Complaint: GMTHIS IS IN REFERENCE TO CASE NUMBER OR CASE XXXX. I have been given nothing but problems with locations within my area to retrieve funds from Western Union due to lack of ID. I have been sent this money by my sister, with the understanding that I would be able to retrieve funds without my ID as long as Security ( Test ) question info was provided to Retailer ( Per Western Union standards ). But Yet your company ( Western Union ), who pay the retailers and we ( customer/consumer ) pay you for the service of money transferallow retailers to BASICALLY OVERRIDE your rules and Advise said customers/consumers they have their own rules and can deny payment for lack of ID.I went to several retailers who advise they will not honor request without ID. So what good is this answer TEST ( security ) question when they still refuse to honor WESTERN UNION customers? To be honest, this seems fraudulent, to drum up business for your company and I am certainly going to have this looked into AND FORWARD THIS INFO TO. And will Make sure to put the word out how unhelpful your company is when honest, hardworking consumer/ customers are led to believed that your service provides all that it says it does.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Student loan (Federal student loan servicing) with ACS Education Services (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My lender will not provide a monthly bill. I am ahead on my payments, therefore my account is in a prepaid status, therefore ACS does n't send out bills while interest accrues on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Vehicle loan or lease (Loan) with GOLDEN 1 CREDIT UNION, THE (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was told I could change the date of my loan payment after the first payment was made so I called the agent as I was directed to and I set it up with a woman sadly to say I do n't remember her name but I 'm sure they would have some kind of record of it I told them I want to move my pay date to the XXXX and unfortunately that did not happen I 've been having problems with this loan company credit union since I bought the car they do n't have my right birthdate my maiden mother 's maiden name is wrong it 's been a complete nightmare so thinking I 'm making my payments on time with the 10-day grace. Actually it looks like I was late on my payments that is ridiculous and I 've talked to several people at the Golden 1 and last time I talked to somebody they said they took care of it obviously not because my credit score drop drastically. Also I had an incident with the water company where my mail was stolen and I had no idea that the bill was due super busy and it 's the last thing I even ever expected the previous tenants went down to the post office and put some kind of vacation hold on our mail and of course being very busy it just weeks went by and sadly to say I was n't keeping track and she was collecting our mail so again another late charge

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 monetary relief
Consumer complaint received 08-07-2016 about Payday loan () with Big Picture Loans, LLC (LA).
Issue: Charged fees or interest I didn't expect

Complaint: I made a loan from the company about a year ago and was not aware of the 800 % interest rate. Just recently i noticed that they are still removing money from my account. I borrow about XXXX and from my bank statements they have not stopped taking payments. I go to the website and they say I still owe XXXX! This place has stolen a lot of money from my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was the victim of identity theft in XX/XX/2014 and had money stolen from my checking account at XXXX XXXX XXXX during the period of XXXX through XXXX 2014 through unauthorized charges. I subsequently was able to launch investigations and with XXXX XXXX XXXX 's help I was able to recoup most of my money. However, I did fall behind on certain bills because of this issue. I incurred XXXX 30 day late payments on XXXX accounts as a result of the identity theft in the period. XXXX 30 day late on my XXXX XXXX XXXX XXXX credit card, XXXX 30 day late on my XXXX account, and XXXX 30 day lates on my XXXX. I have been working with these XXXX creditors and Experian but they do not seem to fully appreciate the issue. I do n't feel like I should penalized on my credit reporting which impacts cost of credit and job opportunities when I am the victim. When I try to discuss the issue with the creditors they tell me to speak to the credit reporting agency. When I speak to the credit reporting agency, they tell me to speak to the creditors. I am the consumer that is stuck in the middle and neither party can explain to me what the process is to resolve. I have also filed a complaint with the Federal Trade Commission and received an identity theft affidavit. I am including copies of the FTC affidavit as well as several claim forms from XXXX XXXX XXXX where I had to have XXXX XXXX XXXX investigate the claims. The claim documents were provided to the creditors and credit reporting agencies but I could not get a response from them on how to address this issue. Please let me know if you can help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL).
Issue: Other transaction issues

Complaint: I bought a money transfer on XX/XX/2016. I called the customer service on XXXX/XXXX/2016 and went to money gram agency located in XXXX XXXX XXXX, XXXX XXXX to request a cancellation and a refund. The lady responded that I have to call their XXXX after several transfer to different individuals I spoke to someone who requested that I sent an email with an explanation of the transaction to XXXX with my reference number XXXX. I did however I did not receive any response. I continue calling the same phone number without success. The agency keep transferring my phone call and I get disconnected every time. Please tell me what else I need to do to obtain a refund of {$150.00} that I paid. I was the sender XXXX XXXX, XXXX, MoneyGram transfer. The person who was to received payment XXXX XXXX XXXX never went to pick up at XXXX while she was there in vacation from XXXX. Since the receptor was not able to pick up I am requesting cancel transaction/refund

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX XXXX sent me a letter saying on XXXX XXXX, 2017, Equifax suffered a data breach. XXXX XXXX XXXX says no data breach were on their end, but my personal information might have been exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I have inherited a  Discover credit card. As I look at my Credit Report, the report says  that I opened this account in    1993 ( which  is not true ). First of all, Discover Bank does not give credit cards to someone th at their credit score  is around  XXXX . Secondly, if I would have opened this account i n 1993, I have  had  XXXX  bankruptcies and the card would have been wiped out. Here is the most important part, this card belongs to  XXXX   XXXX  who passed away several years ago. My wife inherited her estate and I was not a part of that. The estate has be all settle and then I started getting calls about this card a couple of years after  XXXX  passed away.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Card opened between XXXX XXXX XXXX and XXXX XXXX XXXX. 

Company name- CBNA/SEARS I had gotten a notification on my phone that I had a new credit inquiry. I know I have n't applied for anything because I and trying to rebuild my credit! I checked the inquiry and did not recognize the name of the company and know that I do not shop at sears! Looked for a phone number to the company but could not located one via the internet. I just want this off 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 non-monetary relief
Consumer complaint received 07/25/2016 about Debt collection (Non-federal student loan) with J J Marshall & Associates, Inc (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Short and simple. My sister used my social security number to pay for her first month 's rent with out my knowledge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I have gone through the deed in lieu process fully with Seterus 3 times since XX/XX/XXXX. I have had a horrible experience working with Seterus throughout this process and each time the deed in lieu has been denied due to the bank 's lack of communication with me. XXXX XXXX was assigned to handle the deed in lieu of my property and rarely did she return my numerous calls. When I would call customer service, there was always some new document I needed to submit or some new reason as to why the deed in lieu was denied. I have done everything I was supposed to do on my end and submitted all of the necessary documents. Because communications to me from Seterus were minimal, documents for the deed in lieu constantly expired and I had to restart the process at least 3 times. At this point I am frustrated and believe that Seterus is being negligent. The customer service I have been receiving from Seterus has been subpar and my last call on XXXX XXXX, XXXX was completely unacceptable. I learned again that the documentation had expired when the deed in lieu should have gone to closing by this point. No one has been contacting me to keep me updated or to make requests for my assistance when other parties connected to the property were supposedly being unresponsive. Frustrated, I asked to speak with a manager, because at this point I want a solution. He told me I needed to resubmit documents that not one person had asked me to resubmit the entire year I had been working with Seterus. Once again, each time I call there is a new excuse. I requested that one person be able to handle my account, because it seems that there is no standard of communication, and that request was denied. The manager spent much of the call insulting me, telling me that I was " crying over spilled milk '' numerous times and lectured me on my " obligation '' to pay the loan. He was completely unconcerned about my situation and after his rudeness continued I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Have been calling me numerous times on both and cell wo n't leave a message at all I have reached out to them via email telling them to send me documents pertaining to anything they said call us I said no I do n't trust no one to many scams even gave the address of my house not sure if it for me or someone else at this point call  4-5 tim es a day both cell and house

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My experience with this bank on weekends is disappointing, questionable and curious. When I deposit funds on a weekend ( weekend as defined by this bank : Friday afternoon, Saturday, Sunday and Monday  XXXX  the credit does not hit my account until the bank settles it Monday night. But if a debit hits the account during those times the bank debits the account immediately. Specifically on   XXXX   they debited my account for a {$150.00} check. I had insufficient funds so they bounced the check and also charged me a {$36.00} overdraft fee. I was notified of this fee, etc. via an email from the bank I received on morning of  XXXX  and only finally saw when I checked my emails afternoon of  XXXX .! Also on  XXXX  about  XXXX  P.M. I made a cash withdrawal of {$70.00} from an ATM out of this account. Question #  1  : Why did they allow this withdrawal? Why was it not denied. Question #  2 :  Why did n't they wait until they settle weekend credits to also settle weekend debits?! Settling credits this way is disadvantageous to me, and allowing debits this way is advantageous to this bank. It does n't seem right to me. It seems wrong and illegal. In the past I received emails from this bank that a debit hit my account larger than my balance, and I was given a  three or four da y grace period to move funds into my account to cover the debit, and the bank did not charge me an overdraft fee. So why did the bank not send me a warning email and allow me to at least move funds into the account to cover the debit on Saturday, Sunday or Monday so that that credit would take care of the debit when the bank settles everything Monday night for the " weekend '' ( it 's even worse and a longer " weekend '' if Monday is a bank holiday ). Help. 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 12/30/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NY).
Issue: Trouble during payment process

Complaint: I called Ditech Insurance Company about my account and over due payments on XXXX XXXX 2017, to get my account up to date. I called and spoke with a Rep regarding options I may have. my account has been mis-management by this company on several occasions and this time has taken the cake. I told the Rep that I have approximately {$2000.00} in an account labeled unapplied funds. I told the the Rep that I would like these funds back and I would put it together and make up the difference so that it will be a full payment for the month. She said she would put in a request and that I should the funds mailed to me in 3-4 days but that because of the holiday 's it might take a little longer. She also said she does not know if they would honor sending the money back to me because my account is past due. I told her that that 's my money that Ditech is gaining interest from that money in the account and it not even being applied but every month I 'm assessed a penalty which has been going on for 4 years. I told her that I will take legal action regarding this holding of my money and not returning it to me and illegally gaining interest and not applying it to my account. Plus, I am assessed lates fees. If there 's any company that should be investigated it should be this company for the illegally practices they do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Credit card () with DISCOVER BANK (CA).
Issue: Billing disputes

Complaint: My issue relates to the article written by you. 
I was enrolled in Discover 's " payment protection plan '' which I have ZERO recollection of ever enrolling in -- trust me, I do n't have enough money to just randomly hand them over a percentage of my credit card spendings every month. They enrolled me in this program XX/XX/XXXX ( or XX/XX/XXXX ), due to my admittedly poor due dilligence, I did not notice this being charged monthly until last month. I called them IMMEDIATELY to tell them to remove this program, that i never enrolled, that I never WOULD have enrolled, and that if I DID enroll, it 's because of their dishonesty and not properly explaining this program to a kid getting his first ever credit card. 

They simply said they would reimburse me for the past 7 months, but I am essentially screwed for all the previous years and fees for which they have robbed me. I ca n't afford this and I feel so incredibly misled and taken advantage of, so I appeal to you to please help make this right. 

This details of this scam from Discover were covered by you before here : XXXX PLEASE HELP ME GET MY RIGHTFUL MONEY BACK. I was tricked and am already in dire financial straights. THIS IS NOT OKAY AND IS SO DISHONEST.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit card () with CITIBANK, N.A. (RI).
Issue: Other

Complaint: We received a letter from Macys regarding a purchase on our credit card that neither one of us made. Good news is Macy 's declined the purchase so account was not charged. Instructions indicated to call Macy 's which I did and spoke to XXXX who could not or would not provide details about the purchase other than the attempt was made on XX/XX/XXXX but could not be completed. I asked if our account was hacked and the response was yes. I asked if there was an announcement about the hacking and response was no. Thought all hacks had to be reported. Account was closed at my request.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Site : Credit Karma Account : XXXX XXXX- XX/XX/2017 There is no balance to view for this. It is marked as a hard inquiry but I have never applied for any type of credit card. I already called XXXX XXXX and spoke with an employee. They didnt have me in their system and recommend that I try to get ahold of somebody at Credit Karma. My credit is being affected by this and I dont know what to do. Please help me out!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Consumer Loan (Installment loan) with Monterey Financial Services LLC (MA).
Issue: Managing the loan or lease

Complaint: XXXX XXXX represents a " time-share '' company which will not honor its agreement. Have tried numerous time to use their services which we are paying for to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have requested and documented my efforts on numerous occasions the accuracy of my account with Navient, due to the outstanding high balance. So far, I have not received sufficient contractual signed agreements for all the student loans I am being held responsible for & I do not believe I am responsible nor agreed to the amount Navient is stating I owe. Navient has not been able to provide me signed documents showing I agreed to the loan amounts they are holding me responsible for. Instead Navient provided a couple promissory notes some in which are incomplete & do not match the balance I am being held responsible for. After many failed attempts to be gather this information I am hoping the CFPB can assist. I am once again requesting Navient to provide the exact copies of my signed agreement for each student loan I am held responsible & how my balance was figured.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (UT).
Issue: Trouble during payment process

Complaint: Problems have existed in my account since XX/XX/2017. Monies have not been properly credited to my account causing all kinds of problems. Working with the company has resolved some problems, but others still exist with new problems being created. The company has failed to correctly balance my account. 

One new problem is the amounts reported to the IRS on Form XXXX. Even after filing a corrected Form XXXX the amount reported for interest paid on the mortgage is still wrong. It only includes interest paid through XX/XX/2017 and not for the full year.

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 08/18/2015 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Pressler & Pressler sue me for an account I do n't own. I went to my local court to retrieve information about this account only to find out they where sending information to the wrong address to get a judgment. When the judgment was awarded to them they mysteriously had my correct address and employment. As of today estimated {$2000.00} has been garnish from my wagers. The company name on the report does not exist as do the account number. Note garnishment was suppose to occur in XX/XX/XXXX but when I informed them I obtain legal counsel it was put on hold but my wages was garnish in XX/XX/XXXX.

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