milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX ,    2017  I traded my car which was financed through westlak e Financial  services and paid off by  XXXX   XXXX   XXXX . The salesman contacted  Westlake  to retrieve the payoff letter. After doing so the trade took place and I left the dealership.  XXXX   XXXX   XXXX  2017 I checked my credit report and noticed that Westlake reported that my account was still open and was delinquent. I still have proof of the payoff letters and copies of the pay off from the dealership. I asked them to remove the negative/ inaccurate reporting, However they refused an d one of the  reps stated that my credit would constantly take a hit if I refused to pay more than the payoff stated was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax data breach likely to have affected me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account was paid off an closed early in the year. Now it shows that the account is past due with more then 9 different strikes on all my credit reports. All postings of negative information was after the closing and final payment of the account. The entire year of 2017 was impacted.

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 Money transfer, virtual currency, or money service (International money transfer) with RIA FINANCIAL (CO).
Issue: Confusing or missing disclosures

Complaint: Hello.my name is  XXXX   XXXX .i send it the amount of {$250.00} for my sister in my country and i was very specific with the lady whoever attemp my phone call than i want to my sister got the money in the window of the bank.but she did everything wrong.she put the money in  one account th an l never mention to her.my sister has to go two times to the bank.to try to got the money.and they told her than there is no money.available.that peace me off.because the has to waist ther time for no reason..this comp i s Ria  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 10/29/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA).
Issue: Incorrect/missing disclosures or info

Complaint: I wanted to send money to my mother in XXXX through MoneyGram on Tuesday XX/XX/XXXX. First, I had to verify who I was by sending a copy of a bank statement and a copy of my driver 's license after giving them multiple ways to verify my identity online. I spent two hours on the telephone with them but they were not satisfied with my answers ; therefore, I was treated like a criminal and had to send proof of who I am. Second, I was finally granted permission to send the money yesterday ( XX/XX/XXXX ). I filled out the online form exactly as I was asked to do. When prompted to fill out my mother 's information, I was asked for her first name and last name. Nothing else was marked as required or necessary information. Today my mother went to collect the money. She was told that she could not collect the money because I had not given her middle name and second last name. Why did MoneyGram not ask me for that information when I was filling the form online? I CLEARLY MARKED the money was going to XXXX. If they knew that my mother was going to be required to provide identification with all XXXX of her names, then why did they not prompt me to give them all XXXX names? Why was my transaction approved on my end if they knew that the money was not going to be delivered in XXXX because I had not given ALL THE NECESSARY INFORMATION. I paid for a transaction that could not be finished because of their negligence in letting me know ALL THE INFORMATION NEEDED on the other end. When my mother let me know that she could not collect the money, I called MoneyGram to correct the situation and I was told that I had been given THE CHOICE of adding more names but I was NOT told I HAD TO DO IT FOR THE TRANSACTION TO BE TRULY COMPLETED. They told me that my only option was to cancel the transaction on my end and expect a refund in 12 BUSINESS DAYS. Last night they took my money and were ready to send it to XXXX in 15 minutes. Now I have to wait to get my money back 12 BUSINESS DAYS. PLUS, THE MOST IMPORTANT THING, MY MOTHER STILL DOES NOT HAVE THE MONEY SHE NEEDS RIGHT NOW. I AM DISGUSTED. I WAS TREATED LIKE A CRIMINAL AND HAD TO PROVE MY IDENTITY. AFTER PUTTING ME THROUGH THAT ORDEAL, I WAS NOT GIVEN ALL THE INFORMATION NECESSARY SO THAT MY MOTHER COULD PICK UP THE MONEY IN XXXX. THIS IS DISGRACEFUL. I AM A XXXX AND CURRENTLY A XXXX WORKING ON MY XXXX DEGREE sending money to my family in XXXX. I AM NOT A SCOUNDREL LOOKING TO MAKE A QUICK BUCK OR STEAL FROM ANYONE. BECAUSE OF THEIR NEGLIGENCE, I was made to feel like a common criminal and even after I complied with their demands, they DID NOT PROVIDE THE SERVICE I PAID FOR BECAUSE THEY DID NOT GIVE ME ALL THE INFORMATION I NEEDED AND MY MOTHER NEEDED. MY MOTHER IS XXXX YEARS OLD and SICK. SHE DOES NOT NEED THIS KIND OF XXXX. THIS IS SHAMEFUL!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Medical) with SCA Collections, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: SCA has reported XXXX collection accounts on my credit report. Prior to these accounts appearing on my report, I never received a notice of right to dispute, which is a violation of the Fair Debt Collection Practices Act. I have asked SCA to remove these accounts because I was never served with a notice of right to dispute, but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In  XXXX  of  XXXX  I wrote a letter to  XXXX   XXXX  services asking to validate a debt that started reporting on my credit report. I then received a letter dated  XXXX / XXXX / XXXX  that they reviewed the account and believe the activity on my account is correct. They did not submit any information to me regarding this debt besides an explanation of the debt in this letter. Please see attached all correspondence pertaining to this complaint. I then Wrote them another letter in response to their requests, which was received on  XXXX / XXXX / XXXX  from which they never responded. I then gave them  30 full   days and pulled a copy of my credit report dated  XXXX / XXXX / XXXX  and noticed that they did not place the notice of dispute on my credit file which they violated federal law and fair credit reporting act section  623 ( a ) ( 3 ). I then w rote them another letter dated  XXXX / XXXX / XXXX  which is attached which was received on  XXXX / XXXX / XXXX  which they never responded to either. I have also noticed that this creditor has also broken FCRA  Section 605 ( c ) as the y have been re-aging this account as a current charge off instead of when it supposedly occurred back in  XXXX . This creditor has broken several FCRA laws and has violated my rights as a consumer and has caused pain and suffering with my issues of obtaining a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AUDIT SYSTEMS,INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A company called XXXX XXXX XXXX has called my mobile number listed above XXXX times since XX/XX/XXXX. When they called today I called back once no one would say anything when I answered. The representative stated that this was an attempt to collect a debt etc. I asked her what who was the company that she was calling for and she stated XXXX XXXX for XXXX XXXX. She said that I owed a {$30.00} service fee for a returned check fee for a check that was presented in XX/XX/XXXX. She stated that the principle amount was paid but the service fee was n't paid by my bank when the check was resubmitted. I explained that I had already addressed this last year with XXXX directly and since I was XXXX and the check was paid once they resubmitted it to my bank, they would wave the service fee. I asked her for the contact information for her agency to send a letter that I am protected under the Fair Debt Collection Practices Act 15 U.S.C. section 1692 ( c ) so that they would quit contacting me, she refused. She stated that the Fair Debt Collection Practices Act did not apply in this case and refused to give me the address to the collection agency. She stated that I can address it once she sent me the bill for this collection and she hung up on me. She was very threatening, rude and unprofessional once I stated that I had addressed this last year and what my rights were under the above stated Act.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: According to Ocwen employee with Employee ID # XXXX, Ocwen has initiated foreclosure proceedings against our property. Ocwen entered into a National Service Agreement with the CFPB and with attorneys general and state banking regulators in XXXX states, and XXXX. The consent order addresses Ocwen 's misconduct during the mortgage servicing process. It also covers XXXX companies previously purchased by Ocwen, Litton Loan Servicing LP ( " Litton '' ) and Homeward Residential Holdings LLC ( previously known as American Home Mortgage Servicing, Inc. or AHMSI ). AHMSI was our previous servicer prior to Ocwen. Ocwen must adhere to significant new homeowner protections. The consent order requires that Ocwen follow the servicing standards set up by the 2012 National Mortgage Settlement ( NMS ) with the XXXX largest banks. According to the consent order, Ocwen was to provide us a copy of loss mitigation statement in one or more communications no later than 14 days prior to referral to foreclosure attorney or foreclosure trustee. We have received a certified letter from a foreclosure attorney which means Ocwen did not provide us a loss mitigation statement no later than 14 days prior to referral to a foreclosure attorney and is in violation of the consent order.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Checking or savings account (Checking account) with PNC Bank N.A. (NJ).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened the checking account on XX/XX/XXXX/2017 at XXXX XXXX NJ branch presenting the promo printout - Earn up to $ XXXX When you open a new, qualifying PNC checking product! 
Offer amount varies depending on the type of product opened. 
COUPON ID : XXXX Offer ends XX/XX/XXXX, 2017 Terms, in dispute, was - Make 10 purchases with a PNC XXXX Debit Card. 
" A qualifying debit card purchase is defined as any debit card purchase made at point of sale using your signature or PIN, or a purchase made electronically or online .. " I did many transaction inXX/XX/XXXX '17, established Direct Deposit, etc. Terms clearly stated electronic transactions would count towards  Debit Card transactions. Above quote is direct from the promo in my mailbox and the one I presented to branch while opening the account. Now, PNC reps tell me that it needs to be physical Debit Card transaction only. I told them I can forward the promo I received but they say that they ca n't help me. Service request was raised No.  XXXX and was rejected for the same reason. 

I ca n't understand, how can company not honor it 's own promo!!! So, frustrating!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My identity was stolen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07-06-2015 about Debt collection (Medical) with PARSON BISHOP SERVICES, INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting calls for a XXXX XXXX. I do not know who she is and when I have called and asked for calls to stop, they continue. On XXXX/XXXX/15, at XXXX, I received a voicemail message from XXXX XXXX @ XXXX and he stated that because my voicemail picked up I was acknowledging that I was the debtor. He left the mini miranda and stated that he needed to speak with XXXX XXXX regarding a personal business matter. 

I called and asked that my number be removed, I was questioned as to why she would give my number when legally all he can ask me is the debtor 's Address, phone number and place of employment. 

I want the calls stopped now! I have had my cell phone number for 10 years and get repeated calls for this person.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Consumer Loan (Installment loan) with DISCOVER BANK (PA).
Issue: Problems when you are unable to pay

Complaint: My account is delinquent, and I receive frequent calls with no message left.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account is listed as 120 days past due when it is current under the new service provider XXXX. I have disputed amount and is still reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Payday loan () with TMX Finance LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a loan XXXX 2014 for car repairs. I was granted a {$500.00} short term loan because my credit score was too low to receive a regular loan. When I explain that I wo n't be able to pay the loan in full the following pay period, they told me I can pay installments of {$82.00} to get the balance down. I have been paying on this loan every month only late XXXX time and my balance is {$570.00} from the beginning balance of {$670.00}. When I questioned the manager about the balance she stated that I would have to pay more than what is required in order to lower it. That was never explained when the loan was processed. This company is only applying my payments to the reoccurring finance charges instead of the loan it self. I will never finish paying for this account like that. I asked if I could be place on a better loan with my payments to be applied directly to the balance. They stated my credit score was still too low to have that type of loan. So far I have paid Instaloan over {$900.00} in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Struggling to pay mortgage

Complaint: Nationstar Mortgage is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her loss mitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) so we did file a complaint with the CFPB the sale likely wont be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Medical debt) with CLX Systems/ Westwood Management (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am writing to discuss some concerns I have with the company CLX Systems at XXXX XXXX XXXX, XXXX MN XXXX. This company, as I understand it, is a medical debt collections business. They were assigned to collect a debt that I owed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, MN. The debt was approximately {$260.00}. I was charged this amount for three fillings done in XX/XX/XXXX, after being given an estimate of {$0.00} -- the clerk at XXXX XXXX XXXX assured me that my insurance would cover the fillings. 

When CLX Systems contacted my about settling the debt in XX/XX/XXXX, I promptly responded. I set up an automatic payment arrangement with CLX, where I authorized them to take {$35.00} from my health savings account each month. Payments were withdrawn on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX for a total of {$100.00}. XX/XX/XXXX was an abnormal month where my employer had three scheduled paydays -- falling on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. The third paycheck did not have any benefits deducted from it -- including the health savings account deduction. For that reason, there werent enough funds in my health savings account at the beginning of XX/XX/XXXX when CLX tried to withdraw the fourth automatic payment. 

At this point, CLX called me, and I promptly researched what had happened ( I wasnt closely monitoring my health savings account ), called CLX back and made a {$70.00} payment from my XXXX on XX/XX/XXXX. At this time, I was under the impression that CLX would continue taking automatic payments from my XXXX account. 

CLX did not take any more payments from this account, they did not call me, and they reported the {$93.00} remaining balance to XXXX on XX/XX/XXXX-- automatically taking approximately 40 points off my credit score. If I had known that they were intending to report this to the credit bureaus I would have settled it immediately. The representative from CLX assured me through the whole process that nothing would be officially reported to the credit bureaus. 

To make things worse -- when I pulled my credit report in XX/XX/XXXX ( in an attempt to qualify for a home loan ), and saw CLXs claim, I called them immediately and paid the remaining {$93.00}. The representative, XXXX, was fairly rude and made derogatory comments, like now, dont you feel good about yourself, now that you have fixed your mistake. It was very unprofessional. 

I would like them to remove this from my credit report. I also would like to see CLX be subject to more oversight -- I have not been treated professionally or ethically, and I think that its possible that they are treating other people in the same fashion.

Company response to consumer: Untimely response
Consumer complaint received 09/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is my second complaint and my continue issue with Specialized Loan Servicing servicing my loans. I have XXXX portfolio loans that were sold to SLS from XXXX. SLS has been holding my checks and then sending me late fee notices. I have filed a complaint on this with your department previously and I received letters from SLS stating all is fine. Well, in retaliation or what I believe is retaliation of my complaint, they held XXXX of my payments and posted late, however, my clearing bank shows the check was process and paid prior to my late date. SLS then waited several days after cashing my check to post it to my account and mailed me out statements telling me I owe late fees and that I am now behind in my mortgage. As a real estate investor and property owner of many properties and rentals for nearly 40 years, I have never had issues with a lending or servicing institution such as this. I mailed in my XXXX payments on all XXXX of my loans serviced by SLS again SLS has held those checks, cashed them and waited until after the late fee date to apply the payments. My late fee date is XXXX XXXX, my checks were mailed on XXXX XXXX and cleared my bank on XXXX XXXX, yet SLS processed late fee statements to me on XXXX, XXXX, still not posting my payments. I have called SLS and after much, much and more run around on a phone system that does n't work well, I got in-touch with an operator, I was refused when asked to speak to a supervisor and was given a verbal confrontation by the operator about I did n't mail in my checks. What can you do to help me with this alleged fraud at this company?

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONWIDE ACCEPTANCE CORPORATION (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had to place a fraud alert on my credit files that indicates anyone who runs my credit needs to call me prior to doing so and I do not recognize the inquiries on my credit reports. This also violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission. These inquiries are harming my credit file and holding me back from my path to purchase a new home.

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