milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2017 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT).
Issue: Money was not available when promised

Complaint: hello, I send money from Walmart using money gram, international transfer to XXXX, bank deposit, the receiver never got the money. I call every day to money gram to find out why the money was not deliver, the answer is please wait 24-48 hours we will investigate and we will call you back, the never did, I call again asking for refund, and again please wait 24/48 the say, with no answer where is the money? today I call again and the did n't want to transfer me to escalating department the just told me to wait for the answer .but is 2 weeks since I send the transfer, and the ignoring me over and over the have no answer!!! please help,

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX has attempted to collect the debt of eviction which we do not owe or was discharged in our Bankruptcy. 
Recently, We have received a letter dated XX/XX/XXXX from California, XXXX stated in the paragraph number XXXX : '' The owner 's representative indicated that you were denied tenancy ... On XX/XX/XXXX, XXXX informed the property manager that he was denying your applications due to an eviction. " ( please see attachment, Closure Determination and Request for Additional Information. RE : XXXX ). 
In contrast, we recently requested the credit report from Trans Union and the credit report showed that we have very good credit and no eviction record. 
On or about XX/XX/XXXX, we contacted the XXXX about the inaccurate information from the letter dated XX/XX/XXXX from California, XXXX in which they disputed in the housing discrimination complaint and I was told that they checked our credit reports from Trans-Union Credit Report on XX/XX/XXXX and the credit report showed the inaccurate information that we have bad credit and eviction record ( according to the words of XXXX ). 
The XXXX also told me that they could not show us the report because the report from Trans Union showed differently between landlords ' and tenants '. The Trans Union only showed the inaccurate information to landlords ' requests. the XXXX also told me that they were informed the eviction record from the XXXX. 
On or about XX/XX/XXXX and XX/XX/XXXX, I contact XXXX regarding the inaccurate information in the letter dated XX/XX/XXXX from California, XXXX, XXXX, manager told me that the XXXX reported the incorrect information of eviction for our family to Trans Union, Tenants Screening Companies, and other Credit Report Bureaus. Also, The XXXX demanded that we have to pay the debt of eviction which we do not owe or was discharged in bankruptcy, if not they will continuously report us to Credit Report Bureaus and Tenants Screening Companies until we pay. 
The XXXX and XXXX also demanded us to pay the debt we do not owe or was discharged in bankruptcy for the XXXX because both of them told us that they are friends and because we filed housing discrimination charges to HUD against both of them XXXX and XXXX. 
The Trans Union reports inaccurate information of eviction which we do not owe or was discharge in bankruptcy. 
We filed bankruptcy chapter XXXX in XX/XX/XXXX and got discharged all debts.

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 10/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Falls Collection Service Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Upon receiving an alert that there was a collection that was added to my credit report, I discovered that Falls Collection has placed an account without informing me that they had purchased an account, and without giving me a chance to dispute the debt. They were sneaky and deceptive and broke the law by not notifying me about XXXX different accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I sent a certified letter dated XX/XX/XXXX, requesting verification of debt, for my XXXX son, per the Fair Debt Collection Practices Act. A copy of my Power-of-Attorney was enclosed. They received the certified letter on XX/XX/XXXX. They have not responded to the request. I do not believe this debt to be legitimate. I have also sent a dispute to the XXXX major credit reporting bureaus. They have stated that they believe the debt to be his and have not removed the debt from his credit report. I have since talked with XXXX further, in regards to this debt, he stated that he did receive a call from them one day stating that he had to be on the debt. Due to his XXXX, he felt pressured and unsure of how to handle the call. This call was made XX/XX/XXXX, after they received the request for verification of debt, a copy of my Power-of-Attorney, and my contact information. They have never sent him anything to sign or any disclosures in regards to the debt. The debt had already been incurred at the time in which they had contacted him, as it originated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (NC).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a new BMO Harris account on XX/XX/XXXX using a promotion to receive a {$200.00} bonus after making at least 2 direct deposits of {$300.00}. 

I had payroll deposits from my employer ( XXXX XXXX ) three times for {$500.00} each. 

After waiting the 120 days required, I never received the promotional sign up bonus.

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 05-10-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a previous complaint approximately 2 weeks ago against Bank of America and there unethical tactics. 
After I filed a complaint # XXXX, I received a Certified letter ( the following week ) from Bank of America on XXXX/XXXX/2016 stating my mortgage was 2 months behind, and that is a lie!!!! Currently, I 'm seeking legal advice from an attorney against Bank of America. This is unprofessional, unethical and morally wrong against someone that pays there mortgage every month!! This seems like retaliation.

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 10-10-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: report shows my address as XXXX XXXX XXXX. I have never lived there. My correct address is XXXX XXXX XXXX. Equifax refuses to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (OK).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I made a purchase in XX/XX/XXXX at Best Buy in the amount of {$1200.00}. {$720.00} was returned within a few days. Balance owing was {$510.00}. There is a charge of {$210.00}, {$42.00}, {$87.00}, {$93.00} that are not mine. The only other charge I have made were {$140.00} and {$150.00}. Total is {$1000.00}. To date I have made payments in the amount of {$1100.00}. Interest charges {$620.00}. Late fees in the amount of {$370.00}. 

I did not sign up for interest free or deferred payments. Since interest charges have been charged each month, this would not apply. 

What I would like Best Buy or XXXX to do is adjust my account and let me know what is the exact amount I owe. 

And, I do not appreciate XXXX to send threatening remarks in a letter that was sent to me on XX/XX/XXXX by XXXX XXXX, Executive Response Unit. 

I am sure XXXX will do the right thing and adjust these charges, interest and late fees.

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 12/21/2017 about Student loan (Private student loan) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XXXX of XXXX, I spoke with American Education Services about a forebarance on my loan. This was granted from XXXX - XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, a collection agency calls me because my loans are 37 days late. 

They verify the the status of the loan was forbearance and stated the servicer was attempting to still debit my account. So, while offering me an entitled forbearance, they were also attempting to debit my account, and reporting me to the credit bureau. 

When I spoke with AES via email they stated no, there was not forbearance on the account. Only one that was not yet approved submitted XXXX/XXXX/XXXX. I had faxed for additional time. 

This is just one of many issues with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an XXXX loan with XXXX XXXX XXXX. The loan matured in XXXX of XXXX. I paid loan off in XXXX. Between XXXX thru XXXX they reported me 60 days late. Remind you I paid in XXXX. I was paying on the late fees which was around XXXX The actual XXXX of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XXXX of XXXX and they had advised me that once the actual loan is paid and XXXX I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was XXXX} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL XXXX credit reporting agencies like they agreed to do. They are reporting inacurate information.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Trans Union  are n't aware that you must enforce the permissible purpose provisions of the fair credit reporting act and see to me that the inclusion of these inquiries complies with this federal law or remove it.  <P/>  Tran uni on or the issues did not remove the inquiry and follow through with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am a co-signer on a student loan for my son but he is not able to pay so I 'm making the payments. Wells Fargo failed to send me the statements and refuses to setup online access to the account so I can make the payments. They managed to send me one statement but they have stopped coming. They have damaged my credit and have refused to fix it. I have called them on the phone at least three times. All I want from them is to send me statements, give me online access to the account and fix the unfair credit remark on my credit report.

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 06/20/2015 about Debt collection (Medical) with Consumer Adjustment Company Incorporated (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was n't sure which category this complaint would fall under. I had a debt with XXXX Hospital that I had a payment plan with and fell behind. They sent it to collections. I understand that. The collection agency called me and we negotiated back and forth about a payment plan. The next day ( today ) a hard inquiry is showing on my credit report for an installment loan with the collection agency. I did n't agree to anyone pulling my credit and I absolutely did n't agree to my " payment plan '' being an installment loan. I 'm in the middle of buying a house and I would not have had anyone pull my credit or put an installment loan on my credit. I was never advised I was going into a committed installment loan and did n't authorize my credit to be pulled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Yesterday I was trying to get my credit reports using www.annualcreditreport.com. I was successful getting my reports from XXXX and XXXX and was able to view those reports multiple times on their websites however, while getting my report from TransUnion online I had forgotten to save it before moving on to get my report from XXXX. I had contacted by telephone the customer service line of TransUnion and was rudely told I could not view my report anymore times for free. He told me that I must pay to see it again now or wait another year to see it It is important that I 'm able to view all XXXX of my reports due to me needing to submit documents to my attorneys for an upcoming bankruptcy filing. Is there anyway that I can retrieve it now like I can from XXXX or XXXX?.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I use my annual bonus from my employer as well as my tax returns to prepay a large portion of my student loans ' annual obligation. This allows me to continue to continue to prepay a smaller amount each month so I can stay ahead of the annual obligation. 
Navient 's ( my servicer ) interface, I believe, is intentionally designed to obscure the next date that a payment is actually due. For example, I used a large bonus to prepay {$30000.00} on my private loan, pushing my next due date out to some time in XXXX, but the payment due date still reads XXXX/XXXX/XXXX ( today! ). 
To figure out when my next payment is ACTUALLY due, I have to call Navient. I believe this is intentionally done to confuse customers and extract more payments, for fear of falling behind. 

- XXXX XXXX

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 SYNCHRONY FINANCIAL (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Walmart has not been reporting an account that I'm listed on as an " Authorized User '' to the CRA 's. The primary account holder has on several occasions notified Walmart to start reporting the account yet they have not to date and I have been added to that account at least for 6months.

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 07-02-2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Shopping for a loan or lease

Complaint: I traded my XX/XX/XXXX KIA OPTIMA LEASE for a new XX/XX/XXXX HYBRID OPTIMAon XX/XX/XXXX. I sign all the paperwork and take the car home. Aweek later I receive a call to come in. I get pressured to sign newcontract with a higher payment due to some error. I could not leave thepremises until I signed this paperwork. I later find out it was due to KIA notFUNDING my new loan. It took KIA several months later to FUND thisloan. I put in a previous complaint against KIA and they have nowremoved these lates from my credit. This complaint is for the higherpayment that I was forced to sign for their mistake. Now that the lateshave been removed, I should be able to have the original terms offered.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Consumer Loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Received a loan I didn't apply for

Complaint: In XX/XX/XXXX or XX/XX/XXXX, there was a car title loan taken out in my name. There was also a phone line opened in my name at XXXX. These accounts were n't opened by me. I only found out about these loans when my wife and I applied for a home loan. Our loan officer denied our home loan due to the fraudulent loans and asked that we cleared up these charges right away. We contacted loanmart and reported the fraudulent loan. We then filed a police report, contacted the XXXX credit bureaus, and kept contacting loanmart. I spent weeks and months contacting loanmart to no avail. They refused to believe our claim. Fast forward to last XX/XX/XXXX, our loan officer checks my credit report and the loanmart loan is showing that it is a charge off. We no longer receive calls or letters from loanmart and assume they realized they made a mistake. Fast forward to today, while I am on a XXXX offsite I get a call from my coworker stating that my car is being repossessed by loanmart. I called loanmart today and they do not acknowledge that this loan is fraudulent and keep insisting that I pay them {$8000.00} to get my car back. The car in question is a XXXX that we paid for in cash about 3 years ago. This has been a very stressful and devastating process. We have done everything we possibly can and have run out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian shows a Bankruptcy on my credit report. I do not have ANY Bankruptcy. I disputed the information with Experian. Experian said they had investigated the information via a third party and the information belongs to me. It listed XXXX as that third party. I contacted XXXX to see what information if any they had on me and I filled a disputed with them. The investigation was completed. I received a copy of the investigation and was told " Your recent disputed information with XXXX XXXX XXXX XXXX XXXX. We have completed our investigation and the disputed information in your XXXX XXXX XXXX report has been modified or deleted where applicable. I sent the XXXX XXXX investigation letter to Experian but the negative sill appears on my credit report. Letter was sent XXXX XXXX, 2016 via USPS certified mail. Letter was signed for on XXXX/XXXX/2016 at XXXX XXXX and I am in possession of the return receipt.

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 11/24/2015 about Debt collection (Non-federal student loan) with Mark A. Kirkorsky, PC (OH).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Company contacted my wife and my mother and released information to them in regards to a student loan I have with XXXX XXXX. They contacted me and left me a voicemail as well stating they have contacted my girlfriend and my mother and that they are n't " playing games '' with me and that I needed to contact them as soon as possible before they file legal suit against me. Then my wife sent them an email asking for more time and the email she got back from them was completely out of line. This is what the email said " This is exactly why we do not do voluntary payments arrangements. I gave you a gift to pay {$50.00} per month, and the very first payment, you do not mail it. This is to be paid absolutely, positively ever month. Just like your rent. Your landlord is not concerned with medical bills and everyone with children deals with them being sick. But you still get the payment in no matter what. You owe our client {$3500.00}. I was trying to help you to accept your offer. Shame on me thinking you would do it. '' I am not happy with the way they are communicating with, XXXX and my wife. I do not know what to do. We are willing to pay but the service we are receiving is beyond me and comes off as harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Bank account or service (Savings account) with DISCOVER BANK (WA).
Issue: Account opening, closing, or management

Complaint: I opened a Discover Online Savings account which was offering a Promotional Bonus reward of {$100.00} for depositing {$15000.00}. I fulfilled the requirements, and when I did not receive my bonus, I tried contacting the Discover Bank via secure message and received quite a number of back and forth messages without any resolution to my problem. I noticed that others have also experienced similar distress as shown on the comments section of the link below : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX is a indivivual and has hired a debt collection agency to try and get {$5000.00} from my business and the individuals who work at this business. My auto shop performed some repairs on XXXX 's vehicle for {$810.00} and now has hired Fidelity Information Corporation to collect {$5000.00} from us. No individual can hire a collection company. How can this company try and do this and on what grounds. Its litigation and illegal for this company to do this under the Fair Debt Collection Practices Act. This company has committed many fraudulent acts as you can read all over the XXXX.

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