milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2017 about Money transfer, virtual currency, or money service (International money transfer) with XOOM CORPORATION (FL).
Issue: Fraud or scam

Complaint: Starting the week of XXXX XXXX I 've been trying to send money to XXXX through Xoom a company affiliated to Paypal but I have n't been able to do it because all of my attempts get canceled. 

I 've never opened an account directly with xoom but I was able to send money with my XXXX account -XXXX until recently that I had to create a xoom account because the other one it  is a paypal account and not a xoom account and I was't able to use it on the mobile app of xoom.

I called the verification department of xoom several times asking for their help including supervisor  XXXX and over several hour long calls up to this date they have n't been able to help me with this situation because they say there 's another account open that I can not remember or I did n't created. I 'm aware of the risks that this situation brings to me, like for example the possibility of a money laundering scheme or problems with the IRS out of an identity theft for me. 

I believe the company might not be compliying completely and correctly with some U.S. Federal  Regulations including the Dodd Frank Wall Street Reform and Consumer Protection Act to detect fraud and other illegitimate uses of the service.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Debt collection (Medical debt) with BC SERVICES, INC. (WY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The Debt Collector served me and I am now in the process of defending myself in the XXXX XXXX XXXX XXXX. The first contact I received was through the process service. Since then I have requested documentation and they have not provided and are now filed a motion for Judgement. 

I was not afforded the opportunity to request debt validation nor did I receive any outreach whatsoever in regards to the alleged debt.

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 07/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar mortgage servicer is incorrectly reporting that my XXXX, 2015 mortgage payment was never received. This is not the first time Nationstar has made this type of accounting errors with my account.Attached is proof of my XXXX payment, which was timely XXXX on XXXX XXXX, 2015 by ACH electronic payment through XXXX XXXX XXXX Bank with a Nationstar telephone representative.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: *****NOT A DUPLICATE***** Recently I disputed this account on my credit report, and I noticed accounts from your company are still being reported on my credit. I am highly upset about the information that you are reporting about me. I DO NOT OWE your company any money. Additonally, I know it is illegal for a collection agency to collect on behalf o  f another one. How can a collection agency extend credit to consumers? They simply CA N'T. Since you ca n't produce a contract between me and LVNV Funding this account need to be deleted from my credit report. You are in violation of bothe the FDCPA and the FCRA. If these listings are not removed from all   XXXX    credit reports, I will report you to the proper agencies and possibly seek monetary damages for violating my consumers rights.
**In the US law encyclopedia, American Jurisprudence , 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. T   hus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My husband of 25 years has passed away recently. I am XXXX and mostly XXXX, and I am in XXXX and can not think clearly most of the time. For the past 3 years my husband was taking care of all our finances, so I was lead to believe, well now I find that none of our finances were being taken care of and I see where I am in default in all my loans. I do not want to lose my home and would like the opportunity to fix this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Someone is using my name, social security number, and date of birth to apply for credit cards.I do not know why anyone would do this, but I have contacted the police to file a police report and I have also placed a fraud alert on my credit report. I have never applied for credit with the banks - I have listed the inquiries. 

Transunion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 01-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BMO HARRIS BANK NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage with XXXX was sold to BMO Harris Bank in XXXX of XXXX. I have never had an escrow account as part of my loan agreement as I originally paid 20 % against the sale value of my house. After my mortgage was transferred I continued to pay my monthly payments as usual until I received a statement in XXXX of XXXX where it indicated that BMO Harris paid my year end property taxes and Homeowners insurance. On top of that they paid XXXX dollars more against my property taxes then the actual cost. All property taxes were current and on top of all this I had paid my property taxes and Homeowners insurance as well. BMO Harris never told me nor should they have ever paid my taxes or homeowners insurance. As a result of BMO Harris paying my taxes and insurance they have now issued me an adjusted statement stating that my escrow account is {$26000.00} in arrears and that they are adjusting my monthly mortgage payment to address the escrow shortfall. My new monthly payment would now be in excess of {$6700.00} per month. I have been in contact with both their customer service department and Escrow department continuously for the last two months. They have freely admitted that when they took over the mortgage account that they set it up in their system incorrectly which resulted in their paying out of an escrow that does not exist. They keep telling me that they are going to fix it and get their money back from both the XXXX and insurance company. My mortgage payment is out withdrawn from my bank account around the XXXX of each month and as of XXXX XXXX, XXXX they started withdrawing the {$6700.00} from my account which now has created serious financial difficulties for me. The bank is in breach of their fiduciary responsibilities and perhaps other laws that I am not privy to however I need this remedied. BMO Harris has been woefully non responsive in trying to resolve this and it would appear they just keep putting me off. Next step is legal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A default judgment is appearing as a collection account on EXPERIAN, XXXX, AND XXXX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL  THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, XXXX XXXX acct. no. 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 10/28/2015 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Making/receiving payments, sending money

Complaint: I use BBVA Compass Bank to send an International Transfer to XXXX. 

They take the money for my account, but never deliver that money. I contact them, and after an apologize, the say will send the money, and never happen. 

I call and call, with the same results. 1 ) Do n't send the money, 2 ) Do n't return the money to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: Order of events:1 ) I was notified of Bank Branch closing ; I recognized no other branch was convenient. 
2 ) I entered Branch and asked to have my accounts closed immediately ; They stated completed. 
3 ) Fast forward to yesterday. Attempted to add my name to newly married wife 's bank account in a different state ; Told by bank that I owed money on old XXXX bank account due to auto pay against the account after my closure of it ... 
4 ) I was willing to pay the amount though I should not have to. They say account debt sold to XXXX XXXX. 
5 ) XXXX XXXX states 5/3 bank took back debt on XX/XX/2014. 
6 ) XXXX Bank says no such debt for me to pay them but refuse to do a document to me stating I owe them nothing. They state it is with XXXX XXXX now and XXXX Bank. 
7 ) Called and transferred around XXXX Bank about XXXX times including hangups with XXXX resolution from anyone including supervisors. 
8 ) Basically I now have an outstanding debt of $ XXXX to be paid to??? no one but it is a negative on my record that it is impossible for me to resolve. 
I would like to have this cleared from XXXX XXXX as no one can tell me who I owe this money to. XXXX XXXX swears that I owe them XXXX ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2016 about Debt collection (Mortgage) with Ditech Financial LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: DiTech Financial continues to claim I am responsible for the mortgage on my ex-husband 's property even though I signed a Quit Claim Deed that was filed with XXXX County on XXXX XXXX, 2011. I corresponded directly with DiTech and included a copy of that Quit Claim Deed but they completely ignored it. They referenced a note I signed in XXXX 2011 ( which was clearly prior to the filing of the Quit Claim Deed in XXXX 2011 ) for my ex-husband 's property and stated a divorce did not release me from the debt. Note, they did not once mention the Quit Claim Deed in their correspondence to me, i.e., they intend to continue to perpetuate this fraud. It needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: About 6 or 7 months ago i purchased my first copy of my credit report and noticed that some one unknown to me had used my personal information to get few credit cards from XXXX XXXX under my name. I immediately contacted the credit bureaus and notified them about these accounts was opened up under my name fraudulently and right after i had filled a police report with the local police department. After i sent my dispute letters to all three major credit report agencies, XXXX had removed these fraudulent account from my credit report and i been going back and forth with Experian and XXXX. which i decided to report this to you for help, please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Yesterday I received a notice from Chase ( dated XX/XX/XXXX ) XX/XX/XXXXin regards of the XX/XX/XXXX charge from XXXX XXXX merchant. The dispute arises from the XXXX XXXX was not willing to issue a refund deposit of XXXX XXXX at its XXXX, XXXX location when the card was returned on XX/XX/XXXX. The dispute was initiated the same day and I requested the card to be closed to prevent other unauthorized charges being conducted by the merchant. The merchant attempted to also charge me with alleged damage to the car dispute purchasing a valid XXXX coverage for the duration of the car rental. 
Subsequently the card was closed and all remaining balance paid. Chase also de-listed the card from the electronic menu so getting the letter dated onXX/XX/XXXX comes as great surprise. 
I would like Chase to provide its own internal chronology of events as pertaining to the cards use starting XX/XX/XXXX and all applicable credit card statements showing the transaction sequences including all activities on the card. 

Also please note that all applicable dispute took place in XXXX and not in US $ as referred to me in its communications as all transactions in dispute took place not in US but XXXX. 
I would also like to ask CHASE the following : 1 ) Why the issue is now being resurfaced after Chase own attempt to intervene on behalf of the merchant dispute its own stipulated 45 response time. As response to my message it provided records which had its time marks deleted and the follow up call on its behalf refused to present a coherent time frame in which the matter was being investigated and handled? 
2 ) Why the message is being sent 4.5 months after the initial dispute ( XX/XX/XXXX ) took place and the credit card closed? 
3 ) What does it say for Chase own procedures and processes where it issues its own finding on the issue without any supporting evidence and documentation?

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Consumer Loan (Installment loan) with Atlanticus Services Corporation (NY).
Issue: Managing the loan or lease

Complaint: I applied for a line of credit with Fortiva based on the fact that the product I was purchasing qualified for 12 months of interest-free payment. At no time did I receive communication from Fortiva informing me of the conditions of the approval. Nor does XXXX ( XXXX ) website state that not getting the interest-free promotional period is a possibility. XXXX website concentrates on the 12-month interest-free financing, and once you are approved for a line of credit with Fortiva, it automatically goes back to XXXX website at no time showing the terms of the financing nor is written communication sent after approval. First communication received from Fortiva was my statement. 

I became aware that I had not qualified for the promotion of either 6 or 12 months interest-free payments when I contacted Fortiva after receiving my second statement to inform them that they had made an error in charging me interest. Had I been made aware that I would be charged 29.99 % APR, I would have used another form of payment or not gone through with the purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX 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 01/21/2018 about Debt collection (Credit card debt) with Colony Brands, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A recent inquiry into my credit report with all 3 bureaus ( XXXX, XXXX  and XXXX ) made me aware of 2 accounts that report negatively on my credit bureau files. Research revealed that these 2 entities are owned by the parent company known as XXXX XXXX , XXXX . These 2 entities are XXXX XXXX and XXXX XXXX  XXXX. These debts are not mine, yet they appear on my credit bureau file ( s ) as charged off debts. 

The XXXX XXXX account appears with a balance due of {$150.00}. I have never had an account with this organization. The XXXX XXXX XXXX account appears on my credit bureau file ( s ) as an Unsecured loan account with a charged off balance of {$410.00}. I have never obtained a loan from this organization and based on the corporate description, was unaware that they offered such services. 

In correspondence dated XX/XX/XXXX ; I requested proof of my obligation to pay from both of these organizations. They responded with a letter requesting that I send them a police report for identity theft. I responded with a second letter dated XX/XX/XXXX again requesting validation in the form of ANY application for an account for credit or a contract bearing my signature. They both responded on XX/XX/XXXX with a print out of a bill ; which according to an FTC opinion letter is NOT sufficient proof that a debt belongs to a particular individual. 

According to the FCRA these debts have not been proven to belong to me and should therefore be removed from all 3 credit reporting agencies files. Subsequent requests for the same have not been honored by the credit bureas or by either of these organizations. The credit bureaus continue to report these debts as mine and I have also requested thier Method of Verification for these debts which they have yet to provide. A subsequent complaint regarding the actions or inaction of the 3 major credit bureaus is forthcoming. Additionally, I have a filed a complaint with the Better Business Bureau ( BBB ) in Wisconsin and am planning to file a complaint with the Texas Attorney General 's Office.

Company response to consumer: Untimely response
Consumer complaint received 02-04-2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Settlement process and costs

Complaint: Hello. I contacted you about an abandoned property owned by Wells Fargo. Not only have my questions gone unanswered, they have refused to let me speak to a supervisor. I want to speak to a person who can make decisions and supervises account executives so I can get real answers. I feel discriminated against because I am being given vague information, if any at all. I want Wells Fargo to treat me like a human being, not an automated teller machine. I need to speak to someone who supervises the process of even their supervisor, if necessary. This is a public company and I want an answer to my question about the property in question without some type of a run around. 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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FC HoldCo LLC (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have called costumer service because I was a victim of some of the names on my credit report and I would like to remove this hard inquiers on my credit report because customer services did not want to dispute it over the phone!

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent certified letters to Experion start date wasXX/XX/XXXX, then againXX/XX/XXXX, after I seen nothing was done or any response, they didnt even initiate consumer dispute on any inguiries that were done without my knowledge as was said in the letters I sent, I now am done with asking for Experion for help that they are supposed to give me by law, ..Inquiry dates start withXXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XX/XX/XXXX,,, XXXX XX/XX/XXXX,,, XXXX ...XX/XX/XXXX XXXX  XXXX..XX/XX/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