milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (AR).
Issue: Money was not available when promised

Complaint: I authorized my bank to pay {$440.00} to Western Union XXXX WU XXXX on XX/XX/XXXX. WU received the money from my bank on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX from XXXX to WU for {$440.00} ). 
WU cancelled the transaction on the same day and promised to return my money. Today, 7 days later XXXX! ), after daily phone calls, emails, and chats, they are not willing to comply with such basic rule of any banking ( or for that matter business XXXX institution. If WU had any issue they should have contacted me before cancelling ( they did n't even try ) and, in any case, NOT TO TAKE MY MONEY because they were not going to comply with WU 's side. Now that they have it, WU MUST RETURN it with the same celerity that I paid them. Additionally WU should pay for the damages caused by WU 's poor business behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Recently received a notice for garnishment on a judgement I was unaware of for XXXX XXXX XXXX XXXX XXXX. This garnishment notice is dated XX/XX/XXXX and proceeded on XX/XX/XXXX. 

After recieving the notice in XX/XX/XXXX for a judgement I was unaware of I contacted the Attorney whom filed and asked for more information. I have always been under the impression this loan was taken care of when I did a debt consolidation in XX/XX/XXXX in which was completed by XX/XX/XXXX with XXXX XXXX, Dept of Education. The attorney proceeded to tell me that the lender was XXXX XXXX XXXX, XXXX. After researching this further I have found that XXXX XXXX XXXX  has been purchased by XXXX XXXX XXXX and now branded as XXXX XXXX. I spoke with a multiple departments and a supervisor and no one was able to locate any file using my social security number. I asked for this in writing and was denied. I then researched further while XXXX  investigated further and found that CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, Transworld Systems for Illegal Student Loan Debt Collection Lawsuits. In the Case XXXX Document 3-1 Filed XX/XX/XXXX I found that XXXX XXXX XXXX XXXX XXXX XXXX filed for a garnishment against me this same day. When speaking with the attorney they are refusing to give me any further information in reagards to this loan. In XX/XX/XXXX I filed Chapter XXXX BK after the sudden death of my husband and found XXXX XXXX as a creditor and I contacted them for more information and they stated they can not discuss my account and they would mail me documentation that could take several weeks. In further research I found A copy of the consent order entered against XXXX XXXX , XXXX XXXX Document 1 Filed XX/XX/XXXX. 

I have not received any documentation from XXXX or Transworld , Inc. and I am asking if this case that has been filed in my behalf would apply to me and my current situation. I have requested documentation and clarification of this judgement against me from multiple companies and several calls to the attorney that has filed against me ; I have not been able to receive a straight forward answer. When dealing with the attorney she has been rude and unhelpful in this matter and simply states I owe this and I am going to pay it. I am very concerned about this judgement due to the recent judgement placed against these companies. I appreciate any help I can receive at this time. In the past several years I have done everything I thought to make sure I am taking care of my obligations as a reasonable adult and single parent. I greatly appreciate your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Student loan (Non-federal student loan) with Firstsource Advantage, LLC (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Took out a loan thru the school now I found out the school has closed and I am unable to continue earning my XXXX degree. My credits will not transfer and I am stuck with the bill they did not offer me any refunds

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax Database Breach Announced XXXX XXXX 2017 My personal, private information was compromised due to a lacking in their security. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (I do not know) with Nationwide Debt Management Solutions, LLC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: CONTACTED EMPLOYER UNDER NON LEGAL NAME, BELIEVED TO BE A SCAM, ALL CALLS WERE TOLD TO CEASE FROM ALL NUMBERS, THEN CALLED AGAIN IN 30 SECONDS

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Medical) with I.C. System, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I called to settle a debt with IC systems and they asked if I was related to a person that is n't me. I found out about this debt because it is a negative reflection 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 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CBM Services, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had some electrical work done on my property. The man that gave me the quote over the phone stated it would be $ XXXX {$400.00} depending on how much the permit was. I gave him the go ahead to do the work. The work was completed. About 6 months later I get a call about owing {$620.00}. I tried calling the owner ( man who quoted me ) and his answering service said that he was out of state on a job and he would have to call me back. Never heard back from him after at least XXXX calls to his office. I then get a letter from a collections company in regards to this debt. I asked for proof of debt. I received a invoice for {$620.00} from the company and that was it. How can a company just make up prices and then put it on someone credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Bank account or service (Cashing a check without an account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I deposited our son XXXX state and federal income tax checks into my chase liquid bank account, because he asked me to do him the favor of cashing his checks for him because he is in the XXXX. And they blocked and closed my account ending in XXXX. So I asked them why they were doing it and they said that they did n't have to tell me anything. So I asked them to please just give me our son XXXX checks back and they said that they were going to deposit them into my account, and I told them that I thought that they just closed my account. And then I told them that they ca n't just rob me without a XXXX for our son XXXX money like that, and they said that they could do whatever they want and I ca n't do anything about it. They even blocked me out of my phone app for chase. I ca n't even log in to see if my money is there any more. I had to get embarrassed at work because I had to notify them that they ca n't straight deposit my pay now. They already verified my final deposits and payments, and they still have n't sent me the remaining balance along with a final closure notification. Please help me resolve this issue? Thank you kindly ...

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I went to XXXX XXXX XX/XX/XXXX-XX/XX/2016 stayed at XXXX. Made a complaint, I used my Southwest Chase Credt Card, the room was nasty I took pictures of hole in ceiling, dirty carpeting, and ottoman with XXXX stains on it. They moved me to another room and told me by email the charges was going to be comped off. I got my bill which was disputed by Chase and was told the charges was remain, I have email from XXXX stating they comped off the charges which was not. Was told to send email to XXXXXXXXXXXX, then told to send to XXXXXXXXXXXX. well no one has responding and I have a charge on my card for {$160.00} which I was told in email they would comp off.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: They are trying to collect on a contract that they refuse to validate

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 03/26/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I regularly receive calls from " Portfolio Recovery '' regarding a XXXX XXXX XXXX debt. I have previously verified with them that the last XXXX of the SSN they have on file is not mine and that the names do not even match, but they continue to call, including on a weekend morning ( today XXXX XXXX, 2016 ) before XXXX, waking my household. The supervisor today was " XXXX XXXX. '' They have clearly failed to demonstrate even a modicum of due diligence in confirming that the phone number they continue to call matches the name and SSN of the person they are attempting to contact, even after being informed of this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Money transfers (International money transfer) with Remitly, Inc. (CA).
Issue: Fraud or scam

Complaint: XXXX is offering an exchange rate of XXXX pesos per dollar on TV and the internet. I opened an account to send a small amount. according to their website, they state this : " The Promotion will entitle eligible customers to : make XXXX ( XXXX ) transfer of up to {$990.00} to XXXX at the foreign exchange rate ( the " Special FX Rate '' ) published on Remitly 's Special FX branded landing page or mobile application that linked to these Terms and Conditions, as that rate was published at the time that you submitted the transaction. 
Special FX Rate Conditions. The Special XXXX XXXX will be applied by XXXX directly to your qualifying transfer and can not be used on subsequent transfers. The Special XXXX XXXX is subject to change from time to time at XXXX 's discretion. The XXXX will be valid for qualifying transfers submitted during the XXXX Period and must successfully complete to be eligible for the Special XXXX XXXX. '' I sent XXXX dollars and XXXX pesos should have been received but only XXXX were deposited. When I called customer service they said I should have sent XXXX dollars, but I said the ad does n't say that. 
XXXX is deceiving customers with deceiving advertisements, that 's clear

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery Associates is trying to collect a {$1700.00} debt thats invalid and is trying to collect this account which the statue of limitations in California is expired at well. According to California Code of Civil Procedure 337 ( 1 ), the statute of limitations for a written contract is four years. Under 339 ( 1 ), the limit for an oral contract is two years.On my XXXX, XXXX and XXXX Credit report this invalid account reported its delinquency on XXXX XXXX. I do not owe this debt nor is there a contract with my signature stating that this is valid. A bill or other forms are not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This company just bought my loan in the past six months. Company is reporting false information. I 've never been late with them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CIBC BANK USA (IL).
Issue: Struggling to pay mortgage

Complaint: A request for information under 12 CFR SECTION 1024.36 was made to The PrivateBank and Trust.This QWR is part of Regulation X of the Mortgaging Service Act under RESPA.The following information was requested in regards to the property in question : 1.Copies of every mortgage and Promissory Note since XXXX. 2.Copies of every Change in TERMS AGREEMENT since XXXX. Respondents reply was incomplete and inaccurate. This letter and other relevant information will be attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 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 information incorrect

Complaint: Account was paid in full. It was not settled.

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 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (OK).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Company offered XXXX bonus points for new consumer cards and XXXX bonus points for new business cards. I applied and was approved for a new business card ; however, I only received the XXXX bonus associated with the consumer card.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit card () with U.S. BANCORP (PA).
Issue: Other fee

Complaint: I applied for the XXXX XXXX Visa from US Bank on XXXX XXXX, 2015. Prior to receiving my card in the mail I received an email from stating that the major benefit of the card ( a bonus award night ) would be going away. When I called US bank to see if they would waive the annual fee they said it was out of their control because XXXX XXXX was the one who made the change. I feel like this is a bait-and-switch tactic due to the fact that US Bank is still advertising the bonus award night as a benefit EXCLUSIVE to card members.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2016 about Debt collection (Credit card) with Credit Solutions, LLC (KY) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Solutions LLC is attempting to collect a debt that was paid by my insurance and continues to report false information to the credit bureaus. The debt was error by XXXX and no amount was ever owed by me personally. Credit Solutions is aware of the false reporting yet continues to report it. I have suffered financial damages as a result of their false reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX XXXX University to further my education after High School. I was a first time generation college student in my family and I was unable to afford my college education without student loans. I looked into Sallie Mae and they assured me they would work with me once I was graduated. Instead of explaining that it is better to take our yearly loans, they told me semester loans would be the best. After XXXX college, I had XXXX separate loans at Sallie Mae at 9 % interest a piece. I sent in XXXX monthly payments of {$25.00} for XXXX loans to lower my interest rate during college. However, for XXXX years, my mother and I were harrassed by the company for " not paying the payments on time '' even though my mom sent checks every month. My mother works at our bank and has copies of all checks sent to Sallie Mae with the dates written and when they were cashed by Sallie Mae. In XXXX of 2015, XXXX sent back only ONE of my XXXX payments and said I did not have any loans with them. How XXXX check of XXXX, that were mailed in the same envelope, got returned I will never understand. I have been charged a late fee for that, even though our XXXX checks had been cashed. Then, I came to realize that for the XXXX years we were being harrassed. My loan payments were being applied to all the wrong loans after months of promises that it was fixed for good this time. Because of Sallie Mae wrongly applying my loans, I was the one pentalized with a late fee. I have called for help on my payments and they are not helping me at all. They said my XXXX payments could equal up to {$1300.00} a month and I am currently earning {$1100.00} a month. Sallie Mae harrassed my mother and I at our work places, even after those numbers were put on a " NO CALL LIST '' and we almost lost our jobs as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: My mortgage is a FHA loan serviced by Wells Fargo. I have had my loan since XX/XX/XXXX. My mortgage payment has always been {$970.00} In XX/XX/XXXX, Wells Fargo notified me by mail that my account had a negative escrow amount due to increased property taxes. They decided to raise my payment to {$1300.00} per month. This is an increase of {$410.00} per month. I am on a fixed income and live a simple life. I called them and explained to them there was no way I could afford this increase. They said to try to make the payment. 

I started looking at refinance options with other lenders. The month of XX/XX/XXXX, XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX.  I continued to make my regular mortgage payment of {$970.00}. In XX/XX/XXXX. I paid a little more as I had a bit extra. My payment for that month was {$1000.00}. I was able to obtain a refinance approval with a Lender. We were ready to draw loan documents. The Lender pulled a back up credit for the Wells Fargo mortgage. They informed me that Wells Fargo was reporting me being 30 days late on my mortgage. I showed the bank all my receipts. I went to the XXXX branch today and stated my case. I spoke to a supervisor in the Loan Servicing Department. 

They informed me that they did receive my payments, ( which were made in the branch ). However, they did not apply them to the principal and interest They were placed in " unapplied funds '' account. This allows them to take my payment and apply it to the negative escrow. I informed them that was not disclosed to me at the time I made my payment nor did I agree to this. The Supervisor, said to fax a letter and they would investigate. 

In the mean time, I am unable to proceed with my new approved loan as Wells Fargo is showing me 30 days late in XXXX. I am enclosing all the documentation I have. All I ask is that Wells Fargo apply my payments to the my loan balance and not report me late. 

I became aware that the property taxes went up due to a HERO loan I took out for Solar Panels. This loan is tied to the property taxes. They file an addendum to my tax bill. This cause my property taxes to go up. This new refinance will pay off the HERO loan and save me over {$500.00} a month. I am XXXX years old. Have a humble life with a small house in XXXX County. Wells Fargo is not acting out on the customers best interest. They will be paid off including the negative escrow balance. I ask that they retract the late payment and apply all my payments to my loan. Lack of disclosure, poor management of applied payments and incorrect negative credit reporting have all caused a financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (Conventional home mortgage) with MORTGAGE CENTER, LC (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX we applied for a 30 year fixed mortgage with XXXX XXXX XXXX, XXXX, Michigan. XXXX XXXX XXXX took the loan application and stated that he would be our contact person. We explained to XXXX XXXX that we needed to refinance our existing mortgage with XXXX XXXX, XXXX, for a lower interest and also pay off a 7 % Signature Loan with XXXX XXXX XXXX XXXX, {$27000.00}. XXXX XXXX stated the Signature loan pay off would depend on the appraisal of our home. We paid a {$450.00} appraisal fee at that time. We were then notified by a XXXX XXXX XXXX, Senior Processor, on approx XX/XX/XXXX. XXXX XXXX then stated that our home appraised for {$200000.00}. I then ask XXXX XXXX if the entire balance of the Signature Loan would be paid off, due to the high appraisal of our home. During that phone call XXXX XXXX checked the figures and told me that there would be no problem. XXXX XXXX also stated that Mortgage Center would also get the payoff of both loans. We closed on our refinance loan with Mortgage Center on XX/XX/XXXX. Mortgage Center disbursed the money on XX/XX/XXXX. On, XX/XX/XXXX we became aware that our Signature Loan, at XXXX XXXX XXXX XXXX, had not been paid. Also our {$540.00} payment was due on the Signature Loan. XX/XX/XXXX my XXXXyear old grandson informed us that Mortgage Center had made an error and paid off his pickup truck. In a panic, XX/XX/XXXX I called Mortgage Center and talked to XXXX XXXX. XXXX XXXX said he would check into the issue and call me back. When XXXX XXXX called back he stated that the refinanced loan was closed and really didnt think there was anything Mortgage Center could do. He recommended that my grandson make his original truck payment to us. Then we could put my grandsons payment to our 7 % Signature Loan. I still today cant imagine being offered that solution.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief