milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (PA).
Issue: Fraud or scam

Complaint: I just got scammed, I had received a couple calls from an XXXX XXXX phone number XXXX on XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ) & XXXX/XXXX/15 ( XXXX ) stating I was approved for {$2000.00} and I even asked them and was approved for {$5000.00}, so all I had to do to get my loan was transfer the first payment of {$260.00} through MoneyGram to a XXXX XXXX in IL United States with no account info and would email me the confirmation # when it was transferred into my account and never emailed me a confirmation or text me when the money was in the account ; they ended up calling me back to ask if I was at the MoneyGram location and would help me thru it and I 'd get the money as soon as 30 minutes and as late as XXXX on XXXX/XXXX/15. The whole process took me an hour and half from work. I get a call when I got back to work saying the US government needs me to pay the taxes of {$420.00} ; that they deposited the money into my account but it was on hold from the government until I pay the {$420.00} but I 'll get it back ; I should 've known it was a scam because why would I pay out money if I did n't have money and was borrowing money and then pay out money again then they 'd give me my money, so now I 'm out {$270.00}. I finally went thru my bills last night and totaled up all I have due with store cards and all and it totaled {$4000.00} plus over an {$800.00} water bill from when we had the leak in the water pipe, I had a vet appointment for {$130.00} and I had borrowed the {$260.00} from a friend for the down payment thinking I 'd get the money back right away. I found this website : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: This is a complaint/escalation due to homeowner being misled by XXXX XXXX - said he was a mediation rep - ph # XXXX. 

The reason we ended up speaking with XXXX XXXX in the 1st place is that he agreed to the XXXX phone call meeting that he said was too late for but he would do a conference call in place of it ( the foreclosure process had already begun on XXXX/XXXX/2016. XXXX said he was legal mediation for Seterus and would be happy to have the call. 

XXXX talked like he was offering her the terms of a modification so homeowner jumped at it. XXXX said a 40 yr term. 3.75 % and NO balloon. They have to add the late in the balance or they can suspend money or forbear if they are upside down. The homeowner jumped on it. 

Now we 've been going round and round with documents since XXXX/XXXX/2016 and it seems as though XXXX XXXX 's offer is nothing but words? Granted the homeowner was having issues with her printer and getting me docs but it was n't so long to get them. 

Now I called Seterus today to check on load mod status. 

Called Seterus to check on loan mod status - spoke with XXXX XXXX - said on XX/XX/XXXX was denied XXXX review but reviewing again. Was denied DTI for HAMP being below the XXXX %. 

On XXXX/XXXX/2016 XXXX was told Seterus had a complete package but then an NOD Posted to the homeowner 's property on XXXX/XXXX/2016 leading to unnecessary fees incurred by the homeowner. 

XX/XX/XXXX letter - facially complete - now 3-45 day review period. Based on new docs received. 
Check back in 2 weeks. 

I 'd like to escalate this file to you due to XXXX XXXX 's offer that meant absolutely nothing apparently.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Payoff process

Complaint: I 'm trying to utilize the law that states I can request my payments to be allocated to my upcoming ( 0 % 12 month interest free ) balance transfer due date ( 2 months prior to due date ) so I do n't incur interest but Chase is stating they do n't have to do that. They still put it, along with the regular purchase balance due payment they require, to my regular purchases then toward the 0 % balance transfer. They sent me letters stating they are within the law. Can you help me? XXXX followed the 2 month prior rule so I assumed Chase did too, they have caused me large amount of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/2017 I received an alert that my Credit report had changed. Hard inquiries were removed from Transunion and XXXX accounts were deleted. I then noticed they were put back on without any notification by letter or email. I have made several calls to the Credit Bureau and still no assistance. I did take screen shots showing them took off and put back on. This caused my score to drop and a denial for a new car purchase. I just want them removed off.

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 09/17/2015 about Debt collection (Payday loan) with Quality Lenders Inc (SD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I sent a letter in XXXX requesting alidation of debt. I have never taken out a pay day loan, and have no knowledge of this debt what so ever. This company never responded to me, but continues to hold a judgment on XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have had several errors removed from my credit report from Transunion. There reaction was to remove the errors but drop my score XXXX points. There is now a almost 100 point difference between Transunion and other agencies. Is that ethical? How can removing an error result in a decrease in the credit score. 
It would be very kind if you could advise me if that is ethical behavior. If not, can any action be taken. 

Thank you in advance for your help and support. 

Kindest regards, 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 non-monetary relief
Consumer complaint received 08-04-2017 about Vehicle loan or lease (Loan) with FIRST HAWAIIAN, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I leased used car with first Hawaiian bank XXXX unfortunately I have have to out of country for a while so I returned to bank and I 'm back to home XXXX and bought new car at that time, I found out from insurance company. They said, company paid for this so they want to ask pay back so I paid by monthly with insurance payment. 
So I called bank explained, what happen and what I want to. 
But on my credit file still showed balance {$3200.00} and will be moved XXXX. 
I believe, bank cover the money anyway and I covered insurance company damages. 
So, I 'm requesting this matter should disappeared now. 

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 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX amount is XXXX and does not belong to me.

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 03/24/2017 about Debt collection (Medical) with AVANTE (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( Section  XXXX  ) and   XXXX   XXXX    XXXX  Administrative Code ( section  XXXX  ).   XXXX   XXXX    XXXX  regulations require all debt collectors to send specific written documentation verifying the debt. Under section  XXXX  of the Rules of the   XXXX   XXXX   XXXX   XXXX  , verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, and I never received such service for which I 'm being charged in the first place.   Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported this debt to the credit reporting agencies PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act.   Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the  XXXX    XXXX   XXXX   XXXX   ( section  XXXX  ) require that you honor this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax continues to report XXXX of my accounts as charge-offs even though I have sent Equifax proof that XXXX has said they will no longer report. I have XXXX accounts with XXXX that are currently reporting as charge-offs. This information is over 7 years old. I called this to XXXX attention and disputed with them. I received a letter XXXX XXXX ( see attached ) from XXXX stating that as a customer courtesy they had made the decision to delete the tradeline reporting. That the accounts would no longer be reporting. Since XXXX XXXX Equifax has updated my credit report two times and continues to report as charged-off. They reported it XXXX XXXX as a charge off. I sent a copy of the XXXX XXXX letter from XXXX to Equifax as proof when I filed the dispute with Equifax. Equifax told me on the phone that they can not use the letter to remove the accounts that they can not control what XXXX is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report not belonging to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX NOT MINE XXXX XXXX XXXX XXXX XXXX, OH XXXX NOT MINE which are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX County that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX County Against XXXX for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via E or evidence of my mailing address ect, but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address. accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Bank account or service (Savings account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Citigold customer service has sent a letter denying my {$400.00} promotion for opening a savings plus account and depositing XXXX with them. Every representative officially has confirmed that i should be getting the {$400.00} promotion in my account. I am including proof of that as well. My frustration is that after waiting for 6 months, citi has declined paying out the promotion. I would like to be compensated for all the inconveniences in additon to the {$400.00} promotional offer.

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
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is my XXXX complaint regarding my mortgage status. As of this date, the current mortgage servicer ( Seterus XXXX has told me they can not provide mortgage statements to me due to my bankruptcy status. My Chapter XXXX bankruptcy case was completed in XX/XX/XXXX. Despite using this invalid excuse, Seterus sent a delinquency notice claiming my mortgage payment was not received for XXXX, XXXX, XXXX and XX/XX/XXXX. I received this notice on Saturday, XX/XX/XXXX. I have not received any other notice indicating delinquency, which I would expect should have been sent in XX/XX/XXXX, if my payment was not received. The servicing of my mortgage was transferred from XXXX to Seterus on XX/XX/XXXX. They sent the delinquency notice to my address, using the wrong name on their documents. I am not behind in payments, I have canceled checks for all the months indicated. I am in the process of getting the payee endorsement information for these checks from my bank. Seterus is refusing to service my mortgage. Seterus is the servicing company selected by XXXX to service my mortgage. Seterus is unable and/or unwilling to service my mortgage. They also seem to have tacked on miscellaneous fees to my mortgage and have included {$1100.00} in " legal fees '' to the balance on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (MN).
Issue: Struggling to pay mortgage

Complaint: I received an email from a real estate agent yesterday indicating that my home is currently advertised with an active rescheduled mortgage foreclosure sheriffs sale date set for XXXX XXXX, 2018. I never received notice from Bayview Loan Servicing or XXXX XXXX XXXX XXXX XXXX about this rescheduled sheriffs sale. Also, although mortgage foreclosure prevention options have been requested numerous times by me and my attorney, Bayview has not communicated them. 
Resolution and mortgage foreclosure prevention action is urgently needed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This is unfair, the two accounts listed on my credit file have been re aged by the credit reporting agency and both are inaccurate, untrue and can not be validated. 

XXXX XXXX XXXX # XXXX {$280.00} XXXX XXXX # XXXX {$3000.00} I have disputed these with a response back now stating XXXX X/2017 which is false information. These are outdated, inaccurate and needs to be removed

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am unaware of the accounts that are listed on my credit report. I 've contacted my lawyer to investigate the issue and come to find out that the accounts are n't mine. You ca n't continue to accuse me or force me to accept the accounts. If I know for sure that these are n't mine please stop accusing me please seriously. Now I 'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I 'm not someone who uses credit at no point I 'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it 's not removed I will take legal actions against each creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Debt collection (Payday loan) with Velocity Portfolio Group (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Velocity investment located in NJ, has been collecting on XXXX prior debts, XXXX of them has been paid in full, the second is in monthly payments. No letters or communications have been sent to me to remove the first account from my credit report, I was promised emails to confirm the payoff, nothing was received. Now I have other so called debt collectors contacting me about some obscure debts. I do not know if Velocity has shared my information, or what has happened. I am considering asking my bank to recuperate the funds I have paid.

Company response to consumer: Closed
Consumer complaint received 04/16/2015 about Debt collection (Credit card) with EOS Holdings, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This new collection appeared on my credit report. I contacted EOS CCA and they were unable to provide any information based on my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I received a mailed letter and then an email from XXXXXXXXXXXX stating that he was an attorney for a law firm called XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca. XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX They claimed that my credit card, American Express had retained their services to collect a debt but were authorized to negotiate a settlement amount. After a few email exchanges resulting in them threatening a law suit, I started to become suspicious. 

I contacted XXXX, and they indeed had retained an agency to help them collect my debt, but that agency was called XXXX XXXX XXXX XXXX XXXX Their address was the same building as XXXX XXXX XXXX,  but a different suite number. 

When I told XXXX at XXXX XXXX XXXX that I believed that he was illegitimate, he did not respond. So I am bringing this to your attention now. I have attached a transcript of our email exchange. 

- XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation