milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX, I purchased a chair from XXXX XXXX for {$3900.00} plus tax and fees. The chair was delivered on XX/XX/XXXX, but was broken. I contacted the seller, sellers agent and home office and nothing was done, they refused to replace the chair for a new one according to their policy. I wrote, called, emailed and sent a letter by USPS. With no response I sent both and email and a letter cancelling the {$540.00} I paid for warranty, as well as informed I would report the charges of {$600.00} as fraudulent in my credit cards. I advised both the store and the home office I 'd dispute the charges and accounts as I requested them closed. Finally a technician was scheduled to fix the chair XX/XX/XXXXbetween the hours of XXXX and XXXX, I advised Conns in writing on XX/XX/XXXX that I would pay 1/2 the retail value on the base of the chair if they fixed it mi us the warranty I 'd written to cancel, I 'd begin payment 45 days after the chair was repaired. At XXXX XX/XX/XXXX the repair center called and said they would not make it and could n't reschedule. I contacted Conns again resending my prior offer as the chair is not repaired and I requested they come get it and allow me to speak to their arbitrator XXXX XXXX. They refuse stating my attorney has to call, however my contract says either myself or someone representing me could speak with them. 

In addition, the total amount owed on the chair is about {$2700.00}, not {$5200.00}. Conns has refused to follow their policies in regards to purchases and exchanges. I 've informed them that the debt would be disputed and received messages in return noting they understand.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Incorrect/missing disclosures or info

Complaint: I sent money transfer around XXXX XXXX. I always send Money transfer without Id. I have doing it for years for family members. I also have received money transfers. Agent states as long as its {$100.00} or less, you can send without ID. There is no change in sending funds regarding Id, unless funds go over a certain amount. Receiver was unable to pick up money transfer, and was told by agent it is being HELD. The receiver was asked for ID. Receiver does not have Id. We requested to have Money Transfer name change so money transfer funds can be picked up. Numerous calls were made, along with emails, and faxes to change info without success. I sent another money transfer in person that has id, due to the long time it was taking to have info changed. The XXXX transfer was sent XX/XX/XXXX. two - three weeks later. The original transfer funds are not being released back to me, ( sender ). Western Union requested to have a letter of explanation. I have sent that also. I continue to call, Western Union reps state the same info each time did you send Id. I explain I have already sent another transfer. This transaction needs to be cancelled. Western Union is now requesting additional info. I am requesting money transfer to be cancelled and refunded. it has been over 45 days that original transaction was done, it will soon be 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Credit card () with COMMERCE BANK (MO).
Issue: Cash advance fee

Complaint: The complaint is in regards to a full payment that was made on the same posting day of the amount charged to a credit card account that incurred a debiting transaction initiated by overdraft protection tied to that account. The initial charge was {$100.00} plus a {$10.00} fee for utilizing the overdraft service. The {$100.00} charge was paid back to the credit card account on the same posting day it was debited via direct wire transfer from an account housed at the same institution. As a result the credit card/bank has applied an outstanding finance charge although the balance was not carried over to the next day or accrued in a " daily '' manner. The result of a small finance change appearing on the statement illustrates an interest charge that accrues by the " minute '' pursuant to a cash advance and not one that accrues daily per their Terms of Service. The institution was not without the funds for a period of 24 hours so daily accrual is non-applicable in this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Disputed inaccurate information & infomation is still on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XX/XX/XXXX a {$500.00}. was withdrawn from my account at TD bank at the XXXX XXXX branch. 
I was not the person who withdrew this money, it was fraud. I went to the bank on XX/XX/XXXX to report this and I was told they would look into it. As I was told by XXXX XXXX customer service was I had to file a compliant with the notary from the bank. Her name is XXXX XXXX. I did this on XX/XX/XXXX and was told they would XXXX XXXX the complaint immediately and I would hear from them within the next few weeks. I continued to follow up and I was told these things take time when claiming XXXX. 
I think I have been more than patient with them and I would like my {$500.00}. plus fees for bounced checks and other expenses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am writing about Navient Corporation. I applied for discharge due to XXXX in 2012. I was approved and my loans were discharged. I have also now completed the 3 year monitoring period successfully. The people at the Department of Education as well as XXXX have been fantastic. The communication was great. So now I see on my credit reports that these loans who were serviced by XXXX and Navient originally are showing late and have ruined my credit score. I have contacted Navient and have also disputed the details with the credit bureaus. Nothing has changed. Navient refuses to make any changes to my bureau. So basically I can not buy a home, car, or anything else. I would like to own my own home in the last years of my life. XXXX. Navient refuses to help me. I have never dealt with such a terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage : First it was with a modification loan that ultimately resulted in a fail. I was then told that my only option was to file for a deed-in-lieu of foreclosure. I was told that I would be able to A. stay in the house for 3 months without paying rent and then I 'd receive XXXX for my moving expenses. B. Stay in the house for 12 months and pay a fair market value for rent and receive XXXX for my moving expenses. I choose the option to stay 12 months. I 've been asking for what the rent amount would be but nobody is able to give that to me. Apparently, I 'm finding out that there was a lien placed on the home from an ambulance company in my husbands name ( XXXX ). The house is in my name and my soon to be ex-husband does not live there or have any claim to the house. I may have to find the money myself to pay the lien. I 've been trying to call my representative, XXXX XXXX, to find out how much the rent will be before I pay my ex-husbands outstanding debt, but it 's nearly impossible to talk to him. Dates that I 've called : XX/XX/2016, XX/XX/2016, XXXX on XX/XX/2016, XX/XX/2016. I need to find out how much the rent will be before I pay off other peoples bills and I would also like to find out the chances of this being approved. The money used to payoff the lien could be used for another rental deposit if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: My mother and I had linked accounts with Chase Bank, her acct got hacked and they froze both of ours. Then they ( Chase ) emptied out her account and most of mine to hold her liable for the fraud that happened. She and I have tried numerous times to contact the fraud department to find out what the status is and no one is giving us any answers. This has been going on for 2.5 weeks and there is still no update on anything. The woman who 's information I was given seemed to be the one who would know something about this but she has not answered the phone once in the two weeks I have been calling. The bank is supposed to let us know something within 10 business days and I have heard nothing. My paycheck got sent to Chase, instead of my new account at a different bank, and now I ca n't access my paycheck for my upcoming bills.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We received a collection notice with my son 's name on it, saying their client had made several attempts to collect an unpaid balance ( untrue ) and that they were given the account to collect. None of this is true.

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 02-09-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX, my rent check for XXXX was mailed. On XXXX XXXX, XXXX, the " Pay to the Order of '' on the XXXX rent check was altered and cashed at a XXXX Bank. On around XXXX XXXX, XXXX, I filed a fraud claim with Chase Bank. Chase Bank said I would receive a refund in a few days. It has been 33 days and my refund still has not been issued. After contacting Chase Bank again, I was told by a supervisor that it could take 90+ days to receive my refund. When I asked to clarify how long the " + '' could be I was not given an answer. 

Chase Bank Contacted XXXX Bank on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX XXXX Bank has not responded to Chase Bank and Chase Bank has made no effort to follow up with their claim to XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Sometime within the last month Midland Credit Management ( Based out of XXXX XXXX, CA ) has  been contacting my best friend and discussing my debt problems with him. The caller has discussed how much I owe and how Ive paid so far.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX, XXXX XXXX XXXX is an address I never lived at and it has been there over 40 years wrong and NOT amended. 
I have another issue with the previous owner of this house I now live in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX as still listed somewhere as still having a business working there I have lived here since XXXX XXXX and I had to sign a waiver when refinancing the house stating there 's no business there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Wilber and Associates, P.C. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX has hired a law firm to collect {$34000.00} from me. They have put a judgment on me and it 's on my title suspending my assets. I believe they are trying to recover costs that they ( XXXX XXXX ) paid to defend XXXX XXXX XXXX XXXX XXXX after I filed a lawsuit for being fired unlawfully. I never received an " order of entry of Judgment '' is what I was told to look for. I was never served, nor was I aware that I was responsible for these charges. I would have disputed these charges right away, but it was a year or more later when I received a bill from Wilbur and Associates naming/ labeling XXXX XXXX as the " client '' for this exact amount. When I received this " bill '', I wrote the very next day disputing these charges but never heard anything back. My lawyer at the time of this lawsuit ( for wrongful termination ) XXXX XXXX, told me that the case was dismissed on XX/XX/2008 and I was never court ordered to pay any fees or costs from this lawsuit. My lawyer told me that the case was " dismissed '' because he filed paperwork " improperly '' It was the UDF ( Undisputed Facts ). PLEASE someone needs to investigate XXXX XXXX, XXXX XXXX AND WILBUR AND ASSOCIATES for the claim they are making, with no corresponding documents, no court order and nothing stating that I owe or need to reimburse these fees of {$34000.00}. If this was court ordered XX/XX/2008, at the time of the dismissal of lawsuit, I would have known about it and my responsibility to pay AND I WOULD HAVE HAD MY LAWYER DISPUTE THESE CHARGES IMMEDIATELY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Medical) with Capio Partners, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Capio Partners just showed up on my Credit Report. I have not received any notification of a Debt owed nor any documentation on the account it is in regards to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (NJ).
Issue: Incorrect information on your report

Complaint: SunTrust mortgage did willfully and wrongly violate the rights of the Service member and protected spouse after they had invoked SCRA protection. This violation of Federal law by SunTrust has caused irreparable financial harm to the couple. 
Under the SERVICEMEMBERS CIVIL RELIEF ACT ( SCRA ) 50 U.S.C. App. 501-597b1 518. Exercise of rights under Act not to affect certain future financial transactions [ Sec. 108 ] Item 1, Item 3 and Item 5. 
They have also violated FDIC Rules, FDIC Compliance Examination Manual XXXX XXXX Page V11.3, Adverse Action An adverse report relating to the creditworthiness of the servicemember by or to a consumer reporting agency ;. 
SunTrust has reported to the three credit reporting agencies that for three consecutive months the mortgage payments were greater than 30 days late. 
Both documents protect the Service member and covered spouse from adverse actions by the creditor. Filing a report of three consecutive late payments greater than 30 days sends a strong message to future creditors these individuals are horrible credit risk. 
Attached is a brief from XXXX affirming the same, no adverse reports should be made while under SCRA protection. 
It is also very coincidental that this adverse action was posted at the same time a written request was made to remove PMI.

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 03/14/2016 about Mortgage (FHA mortgage) with PLANET HOME LENDING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I experienced water damage to my home XX/XX/2015. My mortgage lender refuses to pay interest on the claim funds held in escrow despite California law ( California Civil Code ( 2954.8. Payment of Interest to Borrower ).

Company response to consumer: Closed
Consumer complaint received 04-07-2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: Credit acceptance refuses to remove the inaccurate account from my credit that they are reporting. This account has been paid and resolved. The remarks reporting are erroneous and devastating to my credit worthiness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NH).
Issue: Deposits and withdrawals

Complaint: I am the power of attorney for my father he opened a bank account at TD Bank a few days later I dropped off my power of attorney they said it was unacceptable and the entire account is blocked my father 's checks are bouncing and they wo n't return the money until XXXX comes in personally he is XXXX. This is been going on for almost 3 weeks and they say they have n't even assign anybody to resolve it yet

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells fargo home mortgage has improperly handled the servicing of my mortgage loan resulting in unnecessary large amounts of fees added to my loan, default of my loqn payments, and forcefully leading to an separate case of active forecosure each year for the past 3 years. Wells fargo has done this by not properly applying the payments i submit, reversing and reapplying payments innapropriately and without my knowledge or consent, refusing to acknowledge my requests for detailed explanation of the questionable acts applying to my mortgage servicing, refusing my payments in person, by phone, and online blocking my access to pay. Also, The very important and private information such as statements, including default related notices, and foreclosure related information was being mailed to an address which was never mine, at any point or never had I been associated wi H this address, resulting in months of valuable and confidential information regarding my banking and mortgage servicing being lost in the mail and never received by me. Additionally, not having a sensible explanation for why my address was changed without my knowledge or consent. Wells fargo also has forced the improper foreclosue status on my loan by not accepting my payments, even the whole defaulted and past due amount they improperly are requiring I pay in order to bring my loan current. There is always a new representative who i have to explain my whole background to, answer all the same questions of updating all my information several times daily as I am transferred from department to department and ultimately getting no resolution except to call back tomorrow, which results in the same behavior of wells fargo putting off my ability to have my account in good standing.

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 12/24/2017 about Debt collection (Medical debt) with CBC Credit Services, Inc. (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Company name : cbc credit services Accounts manager XXXX XXXX XXXX Multiple phone calls a week using different phone numbers Me- Blocked numbers Company- XXXX multiple letters a month then Typed a letter stating and I quote " somebody get ahold of me or we will have to take further collection action!! The choice is yours!!! '' ( Thats Threatening to me ) Me-felt threatened being unsure of what this person is capable of or what she means exactly and feel like pople are going to just come and try to tak my stuff from me for this medical debt Company- Listed 3 debts on the page XXXX XXXX XXXX XXXX :  {$120.00} and {$480.00} Then said " Other '' : XXXX Unprofessional to not add a full list when trying to collect i dont know what " other '' is and where 10,000 + dollars came from This company made me feel unsafe in my own domicile and unsure if my thinga wil just start being taken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a summons mid XXXX to go to court on XXXX/XXXX/XXXX by XXXX XXXX for that from Walmart for {$640.00}. 

I have sent a letter to XXXX XXXX and asked for validation of the debt and received no reply. I have never signed any contract I do n't owe XXXX XXXX any money. 

I am being harassed and what they 're doing is against the 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 explanation