milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-01-2017 about Money transfer, virtual currency, or money service (International money transfer) with U.S. BANCORP (WA).
Issue: Other transaction problem

Complaint: This is XXXX XXXX US bank Custormer. 

1. My friend, XXXX XXXX XXXX, sent money ( {$1700.00} ) by international wire transfer for me from XXXX XXXX XXXX, XXXX to US bank on XX/XX/XXXX 2. However she provided wrong Beneficiary A/C No. along with my full information to XXXX XXXX XXXX. So I could not receive any fund. My A/C No is XXXX and wrong A/C No is XXXX. 

3. In this regards, I confirmed there is A/C mismatched, and My friend requested XXXX XXXX XXXX to return the fund from US Bank. 

4. US bank replied to XXXX XXXX XXXX, XXXX by XXXX message as of XX/XX/XXXX as following ; " Be advised. We are unable to obtain debit authorization from XXXX. 
So we have to deny your request. Please have remitter contact the XXXX directly to settle. We close our case '' 5. Even the wrong account holder is NOT match the Beneficiary information such as NAME, ADDRESS, and PHONE NUMBER.

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 09/22/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have items listed on credit report and they are not mine. They also list a State of Missouri child support and the information they report is incorrect and false ( example I only owe {$10000.00} and they say XXXX and no payment history which record from state attached shows the report is wrong ). I do have a mortage, I do not retail cards, and other loans they list.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I paid the XXXX up front then when we get into XXXX facility at XXXX XXXX XXXX. The nurses offered us free flu shots. Everything was OK but later we receive the bill charged us {$1500.00}, XXXX free flu shot turned into XXXX different shots that we never received then the charge from another lady who was in hospital facility at XXXX XXXX, because she has the same name with my wife but different account number. I went down to member service show to them to complaint they recognize the errors but could not fix.!!! Later almost 2 year I receive my XXXX health insurance payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient has been reporting late payments on all 3 major credit bureaus. I know for a fact that they were deferred. I have never faulted on my student loans. Yet, Navient has reported late payments between the months of XXXX through XX/XX/XXXX on 5 of my student loans. I 've made attempts to rectify this error but have been completely ignored. I 've sent 4 certified letters on XX/XX/XXXX and received no resolution. Although all my accounts are paid and closed, this major error is affecting my credit worthiness. I just do n't understand how they are allowed to stay in business and do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Getting a loan
Sub-issue: Qualified for a better loan than the one offered

Complaint: I have called and asked for a better loan, lower payments and lower interest ever since the loan was given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: No matter how hard I tried on the phone it would say I tried too many times and stopped and on line after answer all questions to the best of my ability it would not continue after that, just stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: For the past 6 months I have tried to work with Experian and have XXXX improperly placed accounts removed from my credit. I do understand mistakes happen but i am having problems with them correcting the error. 
XXXX Account Number XXXX BK Reference # 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 11-03-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My husband and I each had credit cards with XXXX XXXX through Synchrony Financial. We opened the accounts in XXXX XXXX and spent {$1400.00} on one and {$1000.00} on the other. We made rehular payments on time and in XXXX of XXXX paid them both off to a {$0.00} balance but kept them open for a number of reasons. In XXXX XXXX, we each got a letter stating they were closing our accounts due to bad credit!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Alliance Collection Agencies, Inc. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed a contract as a condition of employment with a commercial trucking company. In the contract it states " Promise to Pay. By signing this agreement, you promise to repay to XXXX the value of the XXXX if you do not complete XXXX paid solo miles. You are responsible for repayment if you voluntarily terminate your employment or you fail to maintain your driving qualifications other than your physical qualifications '' I was terminated by the company after having a small accident. I did not voluntarily terminate and was still qualified to drive. I did not break the contract and was acting in good faith with the company. The company did not tell me at the time of my termination that they expected me to pay this money. They withheld a small portion of my last pay and this is how I found out about their intentions. I called the company 's HR department and they refused to discuss the issue of owing a debt and said that a collection agency would contact me. The collection agency that contacted me was sent XXXX registered letters explaining that I did not owe the money. I have contacted an attorney two times to receive guidance on this issue. The collection agency has called me six times after receiving the letters. My former employer does not have a right to seek this money by the nature of the wording in the contract. I wish to have this resolved without having to seek legal action in a court of law.

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have appearing on my EQUIFAX credit report a fraudulent a ccount, XXXX/XXXX XXXX a collection agency XXXX XXXX XXXX XXXX attempting to collect for the XXXX original creditor.I have never ordered anything from XXXX at any time and is possible ID theft or an error of the original creditor. 
These should be removed immediately from my report. 
In addition I have a XXXX XXXX XXXX acct that is paid but shows a balance on my credit report.This should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a couple of accounts that showed as delinquent on my credit report since I could n't find any record of those accounts in my files. I asked them to provide physical proof of verification of the account or remove them from my credit report. Their response was that the account had been verified but did not provide either the name of the employee who verified the account or physical proof of the verification of the account. Do n't they have to verify the accuracy of the data reported not just report whatever is sent to them?

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 06/20/2016 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (VA).
Issue: Unauthorized transactions/trans. issues

Complaint: I made a transaction with Paypal that was to be paid using my Paypal balance first, with the remaining balance charged to my credit card. However, when the transaction was processed, Paypal charged the balance to my bank account instead of my credit card. 

Prior to completing the transaction, I verified this configuration several times on the Merchant 's website as well as Paypal 's. I 'm not sure what went wrong, and frankly, I do n't care. I just needed Paypal to fix it. 

When I contacted Paypal, they assumed I was at fault and were unwilling to change the funding source for the transaction or offer any solution to correct the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Payday loan () with U.S. BANCORP (MI).
Issue: Applied for loan/did not receive money

Complaint: I APPLIED FOR A LOAN WITH WHOM I THOUGH WAS US BANK I WAS TOLD THAT I WAS APPROVED FOR A PERSONAL LOAN OF XXXX HOWEVER TWO DAYS LATER THEY CALLED AND TOLD ME THAT I NEEDED TO PAY CREDIT LIFE INSURANCE OF XXXX DOLLARS WHICH I SENT TO THEM THRU XXXX TO XXXX THEY TOLD ME THEY RECEIVED THE MONEY FOR THE CREDIT LIFE, BUT THE STATE OF MICHIGAN PUT A HOLD ON THE LOAN AND STOPPED THE LOAN TRANSFER, AND THEY I NEEDED TO PAY XXXX FOR THEM TO TAKE THE HOLD OFF. I PAID THE XXXX. XXXX ALSO TO XXXX XXXX, THEN THEY CALL BACK AND SAID THAT THE HOLD WAS NOT REMOVED AND THAT I WOULD HAVE TO PAY FOR XXXX FOR A ATTORNEY TO HAVE IT RELEASED. AT THIS POINT I TOLD THEM NO THAT I HAD NEVER HEARD OF ANYTHING LIKE THIS HAPPENING TO RECEIVE A LOAN. I TOLD THEM AT THIS POINT THAT I WANT TO USE MY RIGHT OF RESCISSION AND CANCEL THE LOAN REQUEST AND TO SEND ME MY MONEY BACK. THEY TOLD ME THAT SOMEONE FROM ANOTHER DEPTARTMENT THAT HANDLES THAT WOULD CALL ME BACK IT 'S BEEN OVER A WEEK AND NO ONE HAS GIVEN ME A CALL. THE LOAN OFFICE THAT I SPOKE WITH SAID THAT HIS NAME WAS XXXX XXXX XXXX LINE XXXX, XXXX THEY ALSO TOLD ME THAT THEIR WEB SITE IS XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Medical) with AMCOL Systems, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never used the services of this medical group Amcol Systems.They ruined my credit by filing a open collection judgement on my XXXX credit report.If someone else used their services with my last name it was not me.I have never been to South Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received repeated calls from Transworld systems Inc. This is been going on for over  six m onths. I have called them several times and found that they are attempting to collect a debt from my husband 's ex wife. I have repeatedly told them that I do not know where she is and that I am not her. The calls have not stopped. Their phone number is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with MORGAN STANLEY & CO. LLC (NJ).
Issue: Credit decision / Underwriting

Complaint: In XX/XX/XXXX I paid a Morgan Stanley mortgage. For some reason they did not update my CBR on time. They submitted a letter to me in XX/XX/XXXX stating they made a mistake and it was corrected. However I am applying for a mortgage and a deragatory has appeared on my CBR and XXXX XXXX is deeming it an issue.Morgan Stanley claims they are trying but the mortgage department is no longer in tact and they do not know who can update my CBR. They have acknowledged the letter and their responsibility yet the issue is not resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I had an open account with SLS that required a balloon payment. I contacted the lender to request options for putting that balance on repayment. They told me there were no options. My husband, XXXX, passed away XXXX years ago. I am a XXXX who lives alone on a fixed income. I hoped that the lender would be able to work with me to find a repayment arrangement that would work for both of us, however, they were not willing to provide any options. 
I then went to my local bank to apply for a loan to pay the balloon payment. That loan was approved and disbursed on XXXX XXXX, 2016 with payment sent directly to Specialized Loan Servicing LLC from my local bank ( copy of check is attached ). 
SLS did not process my check until XXXX XXXX, which was two days after the date of the payoff they quoted ( copy of payoff letter attached ). I then received a statement dated XXXX/XXXX/16 requesting a payment due of {$120.00}. I contacted SLS and they insisted I owed the {$120.00}. You will see by the statement attached the balance reflected as of XX/XX/2016 is - {$47.00}. I do n't understand how I could possibly owe them {$120.00} when I have a credit balance. The representative insisted I needed to make the payment. 
Today I am mailing them a check for XXXX days worth of interest from XX/XX/XXXX ( date of payoff quote ) to XX/XX/XXXX, which should clear my account in full. Although I truly do n't believe that it took 23 days for the check to be delivered via US Postal service from XXXX, XXXX to XXXX XXXX, XXXX. Had they processed my check timely, they would have had the payoff significantly prior to XXXX XXXX. 
It appears from my experience, SLS is not in the business to service their customers, but rather to bully them.

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 09-10-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (TX).
Issue: Taking out the loan or lease

Complaint: We applied for a personal loan through Wells Fargo. The agent was more concerned about getting us to sign up for additional services and when we were not interested, our request for a loan was mysteriously rejected. 

The paperwork that Wells Fargo provided did not provide the credit bureau that the request was processed through. They would not provide any information as to why were denied and we were only referred to XXXX XXXX. 

We both have good credit scores, and we were able to go to our bank and be approved for the same amount immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: I have a mortgage loan with XXXX XXXX XXXX as the lender some time ago i was informed by the bank that my loan will be transfer to a new servicer at a certain date, to ocwen loan servicing, over a long period of time i herad nothing from the bank or the servicer i did try to make communication with the servier for over two years but was told that they had not receive any authorization from the bank as yet pertaining to my account, that went on for almost three years, finally they said they will Create an account for me and process a mortgage modification plan for me which they did and giving me a payment in the area of {$1400.00} .per month which i started to pay but when i tried to make a second payment my payment was refused on the grounds that my account was ivalid. and the payment i made will go in escrow, I made a QWR.of which they responded without any clear explination or to explain if they had authorihy to collect payments from me they eventually transfer the created account to another servicer who has it now i think the bank has violated certain laws by collecting mortgage payment without proper authorithy i am not sure if they have any authorithy to make any transfer.

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 12/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Bayview Loan Servicing continue to violate consumer financial protection laws of dual tracking foreclosing on our home while we are in an active workout. Bayview Loan Servicing has started a foreclosure or foreclosure sale in violation of loss mitigation rules. 
Starts a foreclosure or foreclosure sale in violation of the loss mitigation rules. 
Bayview Loan Servicing is actively foreclosing on our home after we have made XXXX payments on time and continue to make payments. The trial modification plan called for us to make XXXX active payments on time. Although Bayview Loan Servicing has failed to provide a permanent modification package until XX/XX/2016, we will continue to make payments. 
On XX/XX/2016, Bayview Loan Servicing claims I stated to an Asset XXXX that I declined the Permanent Loan Modification Documents they sent me. Bayview Loan Servicing stated " On that same day XXXX XXXX spoke with the Asset XXXX and stated that she declined the Loan modification offer. '' 1 ) Firstly, after our second Asset XXXX, XXXX XXXX left Bayview Loan Servicing failed to notify me of who my new Asset XXXX was. 

2 ) The third XXXX XXXX never answers her phone and therefore I always leave multiple messages and she never returns phone calls to discuss the loan. 

3 ) Bayview Loan Servicing continues to harass us and discriminate against us due to our XXXX by blatantly lying and making false accusations to cover up their neglect, unfair practices and. I would like to make this perfectly clear I NEVER DECLINED ANY PERMANENT LOAN MODIFICATION DOCUMENT FROM BAYVIEW LOAN SERVICING ON XX/XX/2016. I did n't receive any documents from Bayview Loan Servicing for a Permanent Modification Documents until approximately XX/XX/2016. Therefore, it would have been impossible for me to have stated to an Asset XXXX at Bayview that I was declining permanent modification documents I DID N'T HAVE. 
Bayview Loan Servicing claims they called us on multiple occasions and we did n't answer. 
1 ) Bayview Loan Servicing NEVER called on the dates they indicated or multiple occasions. 
On multiple occasions I have sent qualified written request to Bayview Loan Servicing, Bayview Loan Servicing has failed to acknowledge my letter. Although Consumer Financial Protection Laws state Bayview Loan Servicing has failed to fix the error within the XXXX to XXXX days ( excluding XXXX, XXXX and XXXX holidays ). Bayview Loan Servicing has also failed to send us the information we requested or investigate and explain why no error occurred or the information was n't available. 
Bayview Loan Servicing has failed to state why they think they did n't make an error, and has failed to explain in writing why. Bayview Loan Servicing has also failed to explain why the information is n't available.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have had a horrible experience with this Bureau. Equifax on XX/XX/XXXX deleted my whole credit file with XXXX new collection accounts that were old and had been previously deleted but When i called them and asked if they saw the new collections they stated there were none which there werent. On XX/XX/XXXX They updated the report with the old collections and my score dropped significantly from XXXX to a XXXX. I am trying to close on my home ( I cant stress this enough! ) In a nut shell I called XXXX of the Creditors ( XXXX ) they stated that they had deleted this from my file back in XX/XX/XXXX and had not reported this since then. Equifax has received a response from this credit regarding my dispute and still the accounts are showing on my report and not updated as deleted. They take forever to respond and send correct information as they should. This should be a law suit at this point. I should not have to fight to have my credit file updated correctly! Then as of XX/XX/XXXX my report was updated again like i had all brand new trade-lines and everything came back. Mind you i called and spent over 2 hours on the phone on XX/XX/XXXX asking why this happend and could not get a reason as to why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: THIS COMPANY DISCOVERED A BREACH OF PERSONAL INFORMATION ON XX/XX/XXXX AND DID NOT REPORT IT TO THE PUBLIC UNTIL XX/XX/XXXX. MEANWHILE THERE IS SOMEONE PUTTING INQUIRES ON ALL MY CREDIT REPORTS BECAUSE THEY HAVE MY INFORMATION AND THE COMPANY HAS FAILED TO INFORM ME OR ANYONE OF THAT MATTER. IT TOOK 6 WEEKS FOR MYSELF AND OTHER CONSUMERS TO FIND OUT, WHILE IN THE MEANTIME CREDIT REPORTS AND SCORES ARE BEING AFFECTED. ON TOP OF THAT IN THEIR FINDINGS 3 EXECUTIVES DECIDE TO SELL THEIR SHARE OF THE COMPANY AND PROTECT THEMSELVES AND OUR PERSONAL INFORMATION HAS BEEN COMPROMISED. I ALSO FOUND A NAME ON MY CREDIT REPORT AS A COBORROWER OF WHICH I HAVE NO KNOWLEDGE OF BY THE NAME OF XXXX XXXX. PLEASE REMOVE THIS NAME FROM MY FILE AS WELL.THESE UNAUTHORIZED INQUIRIES SHOULD BE REMOVED FROM ALL THREE OF MY CONSUMER REPORTS IMMEDIATELY - 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 OF MO ; 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 XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX I ; XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX CA.

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