milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NJ).
Issue: Wrong amount charged or received

Complaint: I was trying to send some money to an individual XXXX trough western union. The problem was that I need it immediately because was an emergency at the moment. However, western union asked me for a photo identification, so they will make the money available to the receiver, otherwise western union would not be able to continue with the transaction. I did send the photo id to western union after a couple days and western union said they approved and money was available to the receiver.I did not want the money to be received by the receiver anymore because I send the money already in some other way, so I want it to get my money back as it should be and I did get my money back, but they charge me for the transfer of money which I never send because I received the money myself. I called them 2 times and they told me me that they would not charge me any fees for doing that, but they did and that is my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: Related to Equifax 's latest breach of consumer data, Equifax is either unwilling or unable to provide information as to whether and how much of my personal data was affected by the data breach. Their website www.equifaxsecurity2017.com only tries to sign us up for their credit monitoring service, which, coincidentally enough, then waves our right to sue. I have also tried calling their contracted company via the telephone provided on this website and they referred me back to the malfunctioning/nonfunctioning website. They are unwilling to connect me directly with Equifax corporate for more information. This is an inadequate and negligent reaction to their data breach in my opinion. 

Are they not required to advise whether or not our personal data was compromised? 

In a likely related scenario, I have been struggling with Identity Theft since late-XXXX ( just one or two weeks after this data breach ). I find it VERY hard to believe that this is a coincidence. We have a right to know if our data has been breached.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Managing the loan or lease

Complaint: The financial institution that is financing a vehicle I have had put me on a do not contact list without my approval, which resulted in me not being contacted for four months while delinquencies were happening without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have recently discovered some collections on my credit report that do not belong to me. Someone has used my name and now I am repeatedly being harassed and threatened for bills that do not belong to me. These agencies use XXXX attempts and the US Govt. should stop this. These collection agencies are relentless and they continue to call my place of business, my home, my friends and my relatives, all hours of the day or night seven days a week. They are trying to force me to pay for services and/or bills that are not mine. Also the collections are from a state I have never resided in. I have tried to resolve this on my own to no avail and I refuse to pay or settle on a bill that is not mine. Looking through my investigative notes it seems that the ( XXXX ) medical collection 's on my credit report are connected to XXXX visit to a NC doctor visit. It seems my name has now been sold to yet another batch of piranhas because I am now being harassed from new telephone numbers from a different state.

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 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My graduation conferral date presented to me by my university ( XXXX XXXX University ) was XX/XX/XXXX. I knew that a grace period is granted after graduation to being repayment of the loan. On XX/XX/XXXX I logged on to the XXXX portal to make the first payment on my student loans only to find that it said my account was past due {$370.00}. I immediately made payment of this amount, then XXXX reported to my credit report that I was 90-119 past due on my payment. I wanted to dispute this late payment report from 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 explanation
Consumer complaint received 06-05-2016 about Debt collection (Medical) with R & B Corporation of Virginia (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I contacted Credit Control Corporation about a recent medical bill that is being handled by insurance. I also called regarding an old erroneous debt that a lender stated that I needed to pay even if the debt is disputed & not valid. After contacting the company, they read notes in the account to show that I contacted them in XXXX regarding this debt which validated what I told the representative which is that this should not be a debt on my credit report because a money order was mailed to pay for this debt even though I am not responsible for this debt. I was advised that this debt ( $ XXXX {$67.00} XXXX XXXX ) would not be reported because it was being disputed, etc. However, months later it was reported & I called back regarding the debt and no supervisor, etc followed up with me to remove the debt as it was stated would be done. Fast forward 4 years, I contacted them to get this resolved because it is still lingering on my credit report, and I have been hung up on, advised no one can assist me there, advised I can not dispute this debt, and advised that it would not be removed even though I was told twice in XXXX it would be & there are notes in this " account '' there to show this. Shortly after a conversation with an employee who stated that she was a supervisor turned negative, a debt from XXXX XXXX popped on my credit report. This was never reported prior to the conversation with this rude individual. In addition, I was never notified on this debt ; I was never advised that this can be disputed, and I have no knowledge of this debt. I became aware of it through a credit monitoring service in which I subscribe. Through the credit report from my credit monitoring service, I saw that the " original creditor '' is XXXX XXXX. I did not authorized the services or treatment of XXXX XXXX during the time it was stated that this debt was delinquent. In XXXX, all my medical appointments were provided through military-affiliated services XXXX This debt all of a sudden reports on my credit report due to retaliation by employee ( s ) at this company who hung up on me as well as stated that she can not help me. This is in violation of my rights, and reporting this invalid, erroneous, and inaccurate date is damaging to me which is what the individual ( s ) who did this was trying to accomplish. I am not responsible for this debt. This debt is not valid, has not be validated, and I have never been made aware of this XXXX debt so I can exercise my rights as an XXXX citizen to dispute it. The timing is impeccable - 2 years after it was stated that it was delinquent. A year in which I never utilized or authorized the services of this group. Please investigate XXXX erroneous medical collections with this company & assist me. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Mortgage (FHA mortgage) with BROKER SOLUTIONS, INC. (GA).
Issue: Trouble during payment process

Complaint: I purchased my home XX/XX/2016 and my lender was New American Funding. At that time I knew my escrow was going to have an overage at the end of the year based on the current taxes in my subdivision. Once my year was up I called New American Funding and they explained what month they do their review of my escrow account and if there was an overage they would refund me the difference. I understand that they must keep a cushion and wasn't expecting all of it. When they reviewed my escrow I indeed had an overage and was refunded a check. Now that they have seen my bill and know they are taking out too much, they refuse to reduce my payment accordingly. This means at the end of the year I will have another overage and they will need to send me another check. I have asked them to reduce my payment so I would not have an overage. That is what they are required to do by law!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Vehicle loan or lease (Loan) with Westlake Services, LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: The company XXXX XXXX XXXX. ( XXXX ) has been incorrectly posting my payments. They have no ideal on how principal, and interest payments work on auto loans. Also, they have no ideal how the daily per deim works on auto loans. XXXX XXXX XXXX. are missing applying my payments, and are consistently reporting incorrect payoff amounts for my vehicle. Every time I make payment ... XXXX  XXXX XXXX. calculates obscured amounts on how the payment is applied on the loan. Even with the late charges, etc. Please, assist ASAP. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
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: There were 2 Transactions i did not approve back a couple of months. I only use this card when i rent rental cars and onstar. I thought i was paying off a rental car i got, but then all of the suddent i got 2 charges from a pet hospital. I do not even own a pet ....
I have tried to reach out to Citi multiple times but they are not letting me know what the status is. I just want my account credited while the look into this.
Date : XX/XX/XXXX andXX/XX/XXXX Amounts of {$1700.00} and {$870.00}.

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 04-10-2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a loan with J.P. Morgan ( Chase ). After we filed for bankruptcy Chase stopped sending our loan payments so we contacted them several times and they did not respond. XXXX XXXX, 2014 we received a letter from Chase that stated we are behind in our mortgage payment and we have to come up with {$6800.00} the total amount needed to reinstate or bring the account current. The amount of the principal obligation under the mortgage is {$71000.00}. I filled out all of the papers they requested and they keep telling me it is in Escrow and it will take a few months. I am at their mercy because they continue to fine me every day and they said their is nothing I can do. If you can let me know what I can do to protect my self J.P. Morgan? 
Thank you, XXXX XXXX : XXXXXXXXXXXXMy cell number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BB&T CORPORATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: The Homeowner fell behind on her mortgage and tried to work out loss mitigation options with her servicer, BB & T. The Homeowner and BB & T participated in a state administered mediation session that concluded without an agreement. As a result of the mediation, The Homeowner knew what documents BB & T needed to continue their loss mitigation review. She submitted those items on XXXX XXXX, 2015. BB & T 's attorney confirmed that he had received the workout package, he forwarded it on to BB & T, and he also confirmed that the Homeowner had submitted a complete package. 

BB & T 's counsel agreed not to move for a foreclosure sale during the loss mitigation review and agreed that there would be no foreclosure scheduling until at least XXXX XXXX. Despite those assurances the Homeowner received a notice of foreclosure sale date on or about XXXX XXXX, 2015. Currently there is a foreclosure sale date scheduled for XXXX XXXX, 2015 and BB & T has not completed their loss mitigation review. BB & T did not request additional documents for the loss mitigation review until XXXX XXXX, 2015. The Homeowner is in the process of collecting those items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ideal Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/XXXX I became aware of a company by the name of Ideal Collection Services, reporting a debt of {$94.00} on my credit report. I immediately reached out to the company via certified mail to get further details and clear up any errors. The company then responded by sending me a copy of XXXX page from my lease agreement, which still did not justify or prove the debt is owed. After receiving the response letter, I reached out to the company by phone. I informed them that they were in violation of reporting a debt that I did not owe and asked them to provide details on the debt. The representative had no explanation for what the debt was owed for, however kept assisting that I owed it. I requested to have the address that notification was sent to and the representative did not have my current address either. I advised them that I had moved from the property in question XX/XX/XXXX, and satisfied my lease in full. It made no sense that two years later a debt collection company would be reaching out to me regarding charges that can not be validated or explained. I also reached out to the Property via email and received no response. Ideal Collection is still currently reporting the debt even after being notified via certified mail, that I do not owe the debt. The company also has no explanation of what the {$94.00} debt is for and is still requesting a payment. This is violation of the FDCPA, and by reporting it is also a violation as well under the FCRA. I have attached a copy of my communications sent to the company via certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for a Chapter XXXX Bankruptcy which included my home. It was clearly indicated that I was forfeiting the house and not reaffirming the mortgage loan. The BK was discharged in 2010. My attorney advised me to move out of the home promptly which I did. The lender sent me a letter stating that they are going to foreclose on the home, which they still to this date have not done leaving it in limbo with me as the " owner on title '' still. The Home Owner 's Association is now suing me for about {$20000.00} that I was even aware for years. The lender is still reporting the debt and it is reflecting on title work for the property even though it was clearly included in the Bankruptcy.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX, on my way to work, I just found out through XXXX that Equifax has allowed my information to be stolen. If only Equifax has been practicing the best methods and procedures and actions and using the best products to safely and properly guard my personal information, my personal information would still be safe and not stolen by any unauthorized person or entity. This is causing me great and undue distress in addition to my XXXX XXXX telling me that I have indications of XXXX XXXX. Now, I do not know how long will I have to be extra vigilant and more cautious about my personal information being used fraudulently. This is too much. I already have several stressors that bog and worry me, and then Equifax allowed this incident to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted navient to tell them that the " debt '' was fraudulent. They did not respond for over a year and so I thought that this matter was dealt with. During that time they did not send any notification or proof of this " debt ''. According to the law this debt can not be collected because there is a statute of limitations. I have all of the e-mails. I gave them 30 days to respond and they did n't respond for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient is servicing my loans and the balances are getting out of control. I questioning the amounts and practices of Navient. I would like for the XXXX to be verified with my college.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Debt collection (Credit card) with CITIBANK, N.A. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting repeated calls ( XXXX a day ) from Citi Bank over a credit card debt I owe that I am unable to pay at the moment. I have told them to take me off of the calling list and do not call anymore, but they continue to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Credit reporting () with JPMORGAN CHASE & CO. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've only received emails from XXXX different banks. All of them asked me to click on the link provided in the email to verify the accounts. I did not do that because they are not mine. I replied to one of the email accounts with Chase Bank stating I was not the individual associated with the account. There was not a telephone number to call so replying to the email was the only way I knew how I might be able to communicate. I 've received about six emails from Chase Bank since XX/XX/XXXX. 
On XX/XX/XXXX I received an email from XXXX stating the account has been accessed from an unauthorized location. I do not have a XXXX account but there was a phone number to call for this bank. 
XX/XX/XXXX, I received an email from XXXX stating they were contacting me to inform me that their security department identified unusual activity in my account. In this email there was only a link to click on to verify the account but no telephone number. This is again, not my account. 
I am being sued for a debt that I do not believe to be mine as well and inquired about an investigation concerning this as well as placing a fraud alert at the XXXX credit reporting agencies. 
I am not sure how to attach these emails to this website. If you can help me with that I would appreciate it. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Debt collection (I do not know) with Glass Mountain Capital, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling every  30  minutes throughout the day, every day. I have requested they stop. One woman got nasty with me. I do not know who they are. I have no debts and I do not owe them anything. I have told them they have wrong number. They continue to call!

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I CONTACTED TRANSUNION CREDIT BUREAU IN REGARDS TO FRAUD ACTIVITY ON MY CREDIT PROFILE. I HAVE CONTACTED THE COMPANIES AND TRANUNION, SUBMITTED A POLICE REPORT AS WELL AS A STATEMENT AND THREE DIFFERENT 609 LETTERS REQUESTING IN WRITTING TO HAVE ACCOUNTS BE VERFIED AS WELL AS A STATEMENT NOT ONLY WAS THERE NO SOLUTION TO THIS MATTER BUT IT HAS TAKEN A COURSE OF MAJORITY OF THE YEAR AND NO RECOURSE HAS BEEN DONE. I CONTACTED THE FRAUD DEPARTMENT AND THEY STATED THAT THEY COULD NOT ACCEPT THE POLICE REPORT I PROVIDED AND THAT I MUST CONTACT THE COMPANY IN WHICH THE CREDIT LINE WAS OPEN. 

I SUBMITTED THESE DOCUMENTS VIA FAX AND HAVE CONFIRMATION NUMBERS IF REQUIRED. 

I HAVE LETTERS DATED FOR FOR FOLLOWING DATES : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX THE POLICE RECORD FILE NUMBER IS XXXX LOCATION WAS XXXX XXXX CA DATE ON REPORT WAS XXXX XXXX XXXX I REQUESTED TO SPEAK TO A FRAUD SUPERVISOR AT XXXX AND WAS TOLD SEVERAL TIMES THEY COULD NOT ACCEPT MY POLICE REPORT. I AM A XXXX VETERAN AND MARRIED TO AN XXXX XXXX SPOUSE. WE CURRENTLY RESIDE ON XXXX XXXX BASE XXXX XXXX. THE SUPERVISOR STATED THE REASON THEY COULD NOT ACCEPT THE REPORT WERE DO THE FORMAT OF THE REPORT ... ETC. WHEN I CONTACTED THE PROVOST MARSHAL OFFICE IN REGARDS TO THIS MATTER AND TRANSUNION WOULD NOT ACCEPT THE POLICE REPORT THE REPRESENTIVE DIDNT HAVE AN EXPLAINATION AND WAS CONFUSED. I HAD ALSO SUBMITTED THE SAME POLICE REPORT TO XXXX  AND TRANSUION IN WHICH THEY TOOK IMMEDIATE ACTION.

NOT ONLY ARE THE FRAUDLENT ACCOUNTS ARE REPORTING NEGATIVE ON MY CREDIT PROFILE BUT TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE THESE ACCOUNTS. I AM VERY DISAPPOINTED IN THIS SERIOUSNESS AND DELIQUENY IN FOLLOWING UP IN AN URGENT MATTER THAT SHOULD HAVE BEEN RESOLVED FIVE MONTHS AGO.

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