milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2017 about Money transfer, virtual currency, or money service (International money transfer) with SUNTRUST BANKS, INC. (FL).
Issue: Money was not available when promised

Complaint: On XXXX/XXXX/2017 I initiated an international wire transfer from SunTrust Bank with all of the correct information needed. By XXXX/XXXX/2017 the funds had not arrived at the beneficiary bank. On XXXX/XXXX/2017 I requested that the bank trace the funds. On XXXX/XXXX/2017 I called the bank to obtain information on the wire transfer trace and the bank had little information to confirm the transaction and could not confirm that the funds were received.I asked numerous times to speak to a supervisor and the bank refused my requested. I asked that the issue be raised to a higher authority and again my request we denied. I went to a branch office to try to resolve my issue and was again met with nobody who could help me. I have been waiting for confirmation of where the Wire Transfer is, when it was sent, when it was received and even the wire operations office refuses to provide me with information. As of today its been 18 days and SunTrust Bank is unable to confirm anything.

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 01/22/2018 about Debt collection (Mortgage debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This account was including in my chapter XXXX bk. The payments have been made and the bk is discharged. The debt buyer will not release the lien against my property as such I cant sell, refi, or repair my home.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Weltman, Weinberg & Reis Co., L.P.A. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had XXXX phone calls back to back and even XXXX calling while I was on the other line with the same company on my work phone number. I have asked them to not call my work, they are free to call my cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: I made a deposit of {$10000.00} on XXXX/XXXX/2016. The deposit was supposed to be for {$9500.00} but i accidentally added {$500.00}. The teller counted the cash while i watched. She came up with {$10000.00}. She counted the money again with the counting machine and came up with the exact same amount {$10000.00}. I knew I had added {$500.00} by mistake and went through with the deposit. No problem. I got my statement for XXXX and noticed a " correction to deposit '' for - {$520.00}. I contacted the bank manager. She talked to the teller and her excuse was that she remembered that she did n't count it properly while i was there but apparantly she came up with a different figure after hours. Called M & T corporate and was told they could n't do anything about it. I still have not got my money back. The teller thought she saw an opportunity to enrich herself at my expense. She is a THIEF and should be prosecuted! I have a bank deposit slip that was forged and signed by someone at the bank. I did not sign it! The bank is at XXXX XXXX XXXX. XXXX, Md. XXXX. Phone # XXXX. The managers name is XXXX?. The tellers name is XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: had loan with Ocwen loan servicing XXXX XXXX, /XXXX, fl XXXX acct # XXXX bankruptcy 2009 case # XXXX told by credit counseling service there were payment arrangements made with this company. there were never any payment arrangement with this company. 
ocwen loan servicing , llc # XXXX /XXXX XXXX / XXXX, fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (I do not know) with Integrated Recovery Services (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a voicemail stating I was being implicated in a legal matter and I needed to call their mediators and submit a statement and agree to a settlement to avoid further legal action

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Original debt for XXXX was paid in the year it occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a debt from XXXX XXXX Bank and XXXX credit purchased it as a collection account. I was taken to the local XXXX by XXXX, and he ruled in their favor, but not for the {$1500.00} that they stated that i owe. I only owe just over {$1100.00}, the amount the XXXX granted them. I sent the dispute to Transunion to correct, with all the proof necessary to correct it, and I recieved paperwork back saying it would n't be removed until 2021. I need your help in getting this removed as being incorrect. I will send any necessary paperwork you need.

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 02/29/2016 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2015, I closed a house through a short sale transaction. The mortgage company United Wholesale Mortgage accepted {$340000.00} as the net proceeds. They reported on my credit report that the account is closed and less was accepted towards payoff. However, when I look at my account online or when I called to discuss the XXXX that I received, my account still shows open after 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Other debt) with Nagle & Zaller, PC (VA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: HOA trying to get me to pay back payments while in the hospital and   XXXX   XXXX  .

Company response to consumer: Untimely response
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NV).
Issue: Application, originator, mortgage broker

Complaint: My refinance request with PHH ( my existing mortgage provider ) began in XX/XX/XXXX and is currently denied. The denial is being excused and rationalized by PHH under the false pretense that my property somehow in XX/XX/XXXX has a " marketability '' deficiency and is " unique to the location, '' in a way that did n't exist in XX/XX/XXXX when the existing mortgage began. Please see the XXXX page complaint for additional context.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: My Gold American Express Credit Card has had Fraud since about XXXX or XXXX of 2016. I 've been making contact with American express to get the amount that I owed for my payment considering the fraud on the account. I told them I was n't going to pay unless everything was calculated properly and fairly. Finally, XXXX approaches and my account is the same. I did n't see any deductions. Every time I call they tell me its been taken care of. At the time, I get an alert from the credit bureau saying my account is 30 days past due. I called again and they stated that would be taken off. XXXX finally comes and I deal with the same thing. XXXX comes and I am still dealing with the same thing. At this point I am highly stressed out and do n't know what to do. I am asking to speak to the American Express Credit Bureau dept and no one wants to put me through. They keep saying I 'll see updates. At this point, I get an alert and it says my account is 90 days past due. Towards the end of XXXX I spoke to an account specialist who finally understood what I was saying and he did what he could do. He told me my account would be back open by XXXX XXXX and if it were n't to give them a call back. He also stated that my account should be back current because I should n't be responsible for unauthorized use. He said he read all my notes and can honestly tell me that I should n't have to go through this and that nothing was my fault. His name was XXXX and his XXXX. Besides that, I called XXXX XXXX, 2016 and my account was n't open still and apparently the rep I spoke with told me I had to reapply which is extremely unfair by the way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My home was reposessed on XXXX/XXXX/2013, by M & T bank out of XXXX NY.XXXX after years of stalling. by M & T Bank non help on refinancing my loan, they kept asking for the some old paperwork over and over till they foreclosed.can you look into this Company for lapse in judgement, to help struggling home owner

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 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have try to solve this for some time now, with Equifax and XXXX, XXXX XXXX took the time to investigate and remove all negative fans charges for my credit report. 

Turns out that my brother open credit cards and other accounts in my name for several years while I was living overseas. When I return last year I try to fix my credit report for months only XXXX XXXX took the time to investigate. 

I do never open accounts with the following companies, all account I have are up to date with XXXX balance. 


XXXX XXXX XXXX XXXX XXXX XXXX 142 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 197 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XXXX {$4000.00} {$0.00} {$0.00} XXXX XXXX $ XXXX XXXX XXXX XXXX Revolving XXXX XXXX XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT HEADER BALANCE LAST REPORTED ACCOUNT HEADER STATUS AMOUNT PAST DUE Equifax I XXXX {$0.00} {$0.00} {$1100.00} XXXX COLLECTION ACCOUNT {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (GA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: At XXXX XXXX eastern time this morning I received a call from a number I did not know. Upon answering the phone, a lady who identified herself as XXXX XXXX from ARA ( Asset Recovery Associates ) proceeded to tell me that I owed $ XXXX to XXXX and that she had received this claim in her office today. She stated that her office is in the process of filing a judgement against me for the amount they claim I owe. She informed me she was calling on a recorded line. When I told her : 1. I do not owe the money, and 2. Even if I did, it is time-barred. When I started writing down her information, she stated that her company offered me a settlement of $ XXXX and that I did not respond and now I am responsible for the entire $ XXXX. She was very aggressive and argumentative. 

When I asked if she would call back so I could also record the call, she said no. In the end of the conversation, she refused to give me the company address. I told her not to contact me again. She kept talking over me and said that if I paid my debts on time, they would n't have to call me. I told her that they can not contact me again once I have instructed them not to do so and if they do, it is a $ XXXX fine per call. She just kept talking over me. 

I told her to file the judgement against me and I will see her in court. At that point, she said I would n't be seeing her. I said I would see someone as what they are doing is illegal! She then hung up on me. 

A few minutes later ( at XXXX ), I phoned the company and asked for the lady. She came on the line and I told her that I was recording the call. She started shouting that it is illegal for me to record her without her permission ( it is not, I am in GA which is a XXXX party consent state ). I kept asking for their address - she just kept yelling that I did not have her permission to record her. I told her that I can record because I am in a XXXX party consent state. She would not give the company address and hung up on me again. 

This all stems from an alleged debt incurred more than 15 years ago!!!!!! This debt has been sold numerous times and I go through this frustration every single time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/2016 I authorized an online bill payment from Citizens Bank to pay my XXXX auto loan. On XX/XX/XXXX I received a phone call from XXXX loan dept stating that my loan payment was not received and I was charged a {$75.00} late fee. I called Citizens and stopped payment for the online bill payment check and was charged a {$35.00} stop/hold fee. I called XXXX loan dept back and paid them over the phone with a personal check # XXXX from my Citizens account. I filed a dispute with Citizens to retrieve the initial online bill payment funds in the amount of {$500.00}. On XXXX/XXXX/16 I received a letter from Citizens informing me that the investigation regarding my ACH dispute had concluded and my claim was found to be valid. The letter stated that my account would be permanently credited in the amount of {$500.00} ; and it was. The next day, XXXX XXXX, I received a letter from XXXX, the service provider for Citizens bank. XXXX stated that our payment obligation was to XXXX and not Citizens. I did not respond to this demand letter as it was dated after Citizens letter stating my claim was valid. On XXXX/XXXX/16 there was a miscellaneous charge Dda Debit to my account in the amount of {$500.00}. Citizens took the money back and they are refusing to work with us. They refuse to tell us who benefited from these funds. They refuse to show us a copy of the cashed check. They refuse to show us the endorsed back of the check. We did not benefit from this 'missing ' online check. We would like to have it researched to find out if it was cashed and who cashed it. We want our money back. Citizens stole our money. Additionally, I am not interested in working with XXXX. My relationship is with XXXX and they need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made several attempts for this company Hunter Warfield to provide proof of account ownership and they have not sent any information over to me. I have also called XXXX XXXX which was the original creditor and they said that they do not have any information on me and I need to contact Hunter Warfield. I have disputed this account since 2016 several times with all 3 credit bureaus and they have not provided me any information that I asked for as far as verifying this debt. I have never lived in these apartments. Either send me a lease stating that this is my account as I requested several times or remove this from my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account  XXXX   XXXX   XXXX  is supposed to be closed with a {$0.00} balance per the investigation with   XXXX    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 10-08-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Case ID XXXX in reported on my credit as a pending status owed of {$6000.00}. I 've sent documentation showing it was dismissed so that it could be removed from my credit. Each time they replied that it 's accurate not even looking at documented proof that the public record should be removed so I have been turned down twice for mortgage loans because of this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated X/X/2011 Monthly payments of {$850.00} were due on the XX/XX/XXXX ( XX/XX/XXXX ) of each month, and considered late on the XX/XX/XXXX ( XX/XX/XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater.
DOCUMENTS INCLUDED : Page one of the Original XXXX XXXX XXXX XX/XX/XXXX - Rental termination letter for XXXX XXXX XX/XX/XXXX - Rental payment/final payment for XXXX XXXX XX/XX/XXXX Rental payment for new residency at XXXX XXXX XX/XX/XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with PNC Bank N.A. (DC).
Issue: Customer service / Customer relations

Complaint: Tuesday, XXXX XXXX, 2016 Dear Consumer Financial Protection Bureau : I must file a complaint against my bank PNC. The bank has dug up my records and called my mother tonight at XXXX EST regarding my credit card. I know that I have rights and one of them is to not to involve my family. I have never provided PNC with my mother 's phone number because we live in different states. This is intentional way of scaring me and bullying. Moreover, I experienced fraud in XXXX 2016 with PNC and filed a previous CFPB complaint. Here is the case number : XXXX. PNC knew about my bank fraud situation because on XXXX XXXX, I filed a fraud complaint with PNC. Obviously, this is intimidation. This has just happened tonight. I will provide more information if and once it becomes available to me. 
CFPB can contact me at either my email or my phone. My phone is XXXX. My email is XXXX. Thanks. 
Sincerely, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 08/31/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: On XXXX XXXX at XXXX I ordered a toaster online at walmart.com for free same day pick up at a Walmart store and charged it to my Walmart Mastercard. I watched my account throughout the day to know when it would be ready for pickup at the store. After waiting all day, I canceled the online order, after also calling walmart.com three times and calling the store where the toaster was supposed to be ready for pickup the same day. Walmart.com cs agents tried to tell me they could n't hear me and something was wrong with my phone. Nothing was wrong with my phone because I talked to others on my phone the same day and we had no problems.Walmart.com cs agents " XXXX '', " XXXX '', and " XXXX '' could not answer my questions or solve the problem of WHEN or if the toaster would be ready to pick up. The Walmart store I called transferred me and put me on hold XXXX or 5 times and nobody ever did pick up the phone in customer service so I could n't find out if the item was ready for SAME DAY pick up so I cancelled the order online in my Walmart account on XXXX XXXX, 2016 around XXXX. I also called my Walmart Master card account at XXXX on XXXX XXXX, 2016 and spoke to someone named " XXXX '' and told him the {$16.00} charge for the toaster I never picked up should be removed from my Mastercard. Today I checked my Walmart mastercard balance and transaction history and there is still a {$16.00} charge on it -- apparently for the toaster -- which I never picked up because it was n't available for same day pick up as promised by Walmart. I called my walmart credit card again today and got the runaround by the cs agent. I then asked to speak to a supervisor and was placed on hold. She came back after awhile, asked, " Are you still there? '' " yes I am, '' said I. She said it will be XXXX or XXXX more minutes. I waited, then hung up because my only phone is a prepaid cell phone with 250 minutes per month, and I 'm wasting those precious minutes and my time on these kind of phone calls. Walmart mastercard knows this as I have told them, so apparently putting me on lengthy holds assures them I will have to give up and hang up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief