milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a debt with XXXX in which I was paying for a deductible for an accident. I set up a 6 month payment arrangement with an agent for {$310.00}. The first deduction was electronically pulled from my account on XXXX/XXXX/2016. I received no email or written confirmation of this agreement nor did I receive a receipt. I had no idea, at first, what the charge was because all I saw was the amount deducted from my account. I call them in XXXX to request statements and complain about not receiving any. Then I was informed I still owed XXXX after I had already made 4 months of payments. I was also informed the representative that set up this arrangement did not follow proper procedures and that a 6 month arrangement was not an option, that I was supposed to make that payment in 30 days. I then informed them I would not be paying the new balance as that is not what I agreed upon. That day I spoke with XXXX different people from TransWorld. The last person I spoke to was a manager by the name of XXXX XXXX, phone number XXXX. I asked him to retract the recorded call in which I agreed upon the payment arrangement. That was The week before XX/XX/XXXX, he told me to call after the holiday. I told him I did not any more payments being deducted from my account until we figured out what was going on with my account. He assured me he cancelled any future payments. I called XXXX XXXX the first week of XXXX as I finally got my first statement in the mail from Transworld stating they would deduct XXXX from my account on XXXX XXXX. I called XXXX XXXX again to ask him why I was receiving this notice after I told him I wanted to cancel any further payments and he assured me it was just an automatic statement, and that the funds will not withdraw from my account. I also asked if he had heard back from the department that has access to the recorded calls. He said he did not, that he would give me a call tomorrow after he spoke with them. I did not receive a call from him the next day. It is not XXXX XXXX, 2016 and Transworld deducted XXXX from my XXXX XXXX XXXX account today. I am now canceling any future payments from this company with my bank and I want to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was scammed on my Chase credit card by someone I met on line at a dating site called XXXX. I have sent all this information to Chase Credit Card and they will not forgive the amount of money I was scammed. I live only on Social Security and can barely make ends meet. Chase has been harassing me for this money and they have turned me over to a debt collection agency. I have reported this to my local police department, Internet Crime Complaint Center, the Federal Trade Commission, And now to you the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Credit card () with U.S. BANCORP (MO).
Issue: Other

Complaint: I booked a flight through XXXX on XX/XX/2017 which was XXXX leaving XXXX to XXXX on XX/XX/2017 returning on XX/XX/2017 arrived @ airport@XXXX. for catching plane@XXXX. went to ticket counter to get boarding pass & ask if i could take my XXXX suitcase on with me, agent said yes get to XXXX lotion was over the amount to travel so i went back to ticket counter to check the suitcase in agent stalled me & said she is processing to check luggage then she said i 'm sorry it 's to late to check in & if i check your luggage you will miss your flight i replied that I have enough time to catch my plane can I speak to a supervisor, she replied she is at the airplane boarding passenger she is busy she will be with me after she finish, XXXX was the supervisor, she stated to me she will not be able to help me its nothing she can do about my plane leaving & i can call customer service to re-book another flight, & told her staff lets go we are officially closed, I sat in that airport calling customer service I spoke to XXXX explained the action of XXXX staff she stated she would refund my monies for the inconvenience, & put me up in a hotel & there would be no charge for checking in my luggage i did n't leave i waited for the counter to open@XXXX. spoke to XXXX the supervisor, explained what XXXX said & stated there would be notes to confirm, XXXX said to me it will not be valid if i want to catch a plane the best i can offer you is standby & you need to pay & XXXX for the XXXX passenger & {$30.00} to check in your luggage i replied I had a round trip ticket paid, so i was force to pay amount on XX/XX/2017 I wanted to get home I contacted my credit card services elan credit card services ( Gateway Metro Credit Union ) to file a dispute on XX/XX/2017 I have been giving the run around for an entire month being shuffle from card member services representatives XXXX to supervisor, ( XXXX ) of Disputes I was told that they will figure out how to get monies return to me because they are not sure what it would fall under instead i was given the run around to send in rebuttal i did by fax still denied so I am reaching out to get a resolution to receive all my monies that have been paid to XXXX, I also am complaining the actions that elan credit services taken on XX/XX/2017 had terminate the use of my credit card i feel this is so disrespectful as being a customer.

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 04-09-2017 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I just recently filed a complaint against  XXXX  Serviced by Nationstar Mortga ge LLC,  a sub-servicer for  XXXX   XXXX  Number  XXXX  I have tried to speak with these individuals, but they are very rude and refuse to give me any assistance. I am afraid to answer my phone now. However, I have still managed to contribute to the delinquent payments regarding my mortgage. Please help.     Please note this is the address I have been sending payments, too.   Nationstar  XXXX .  XXXX   XXXX   XXXX , TX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: My XXXX auto loan was reaffirmed through my bankruptcy, has been paid on time ( 1 late ), is being repo reported as closed derogatory. I have sent these crooks complete documentation over and over and over again.
They only have to look at the report to see account has been reaffirmed and being paid correctly. The bank has se my me written documentation and they still refuse to correct.
I have spoken to the bank and they are reporting Open SATISFACTORY.
TransUnion needs additional fines, they are horrible and have zero QC or control systems or proceedures to be accurate.

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 08-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan servicing applied a lender-place insurance on my account by mistake. I always had insurance. So, finally after almost five months of requests ; they addressed the issued and applied the amount of the error ( {$5900.00} ) towards the principle balance instead of the escrow leaving the escrow account negative for the above mentioned amount. The Loan was transferred to a new service company ( XXXX ) which has not been able to resolve the problem too ( 3 months so far ). I keep being bounced back and forth between them and nothing has been resolved. In total I have been dealing with this issued caused by Ocwen for over 9 months between both loan service companies ; amount of months I have been overpaying my mortgage by {$100.00} since my monthly payments increased due to the negative balance in my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Funding LLC and XXXX, XXXX and XXXX - all attornies have continuously and repeatedly harassed me to collect a debt. I 'm not sure if this debt is a credit card company or some other debt. They have dragged me into court and garnished my wages as well. I do n't owe this debt, yet they continue to badger and harass me trying to collect the debt. Their undue harassment is beginning to affect my state of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Credit card) with DISCOVER BANK (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is in reference to DISCOVER FINANCIAL credit card # XXXX in the amount of or close to {$12000.00} has far exceeded the XXXX time statue since there has been no activity, payments and or dialogue affiliated with this account in more than ( 6 ) years. I would like for Discover Financial to contact Experian and or other credit agencies to remove this negative Mark from my credit report immediately and or to issue me on my behalf that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO TO PERSUE LEGAL REMEDIES. 

DISCOVER FINANCIAL ( their account # XXXXADDRESS : XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXXPhone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Mortgage (Conventional home mortgage) with The J. G. Wentworth Company (TX).
Issue: Closing on a mortgage

Complaint: My name is XXXX XXXX XXXX. I filed a complaint against J G Wentworth and they responded with the same old line of XXXX I have tried for at least a month maybe two to get them to release the tapes that they say they have of the conversations between XXXX XXXX and myself about the loan application. On my first call to JGW I told XXXX of the situation that came up between JGW and my wifes loan with the company. She had an intestinal blockage and had to have XXXX XXXX and was in the hospital for about 10 days. In order to pay the mortgage I instituted a XXXX ( i thought ) with JGW to automatically draft my account for the payment. They did not take the payment because they said the payment was past due. I never heard from JGW that this was not in place. I was tending to my wife that almost XXXX of her blockage. I told him about this on the first conversation we had about a loan for a rental house I wanted to acquire in XXXX TX. I am an XXXX XXXX and knew that this situation needed to be vented before I start spending money on the process. He said no problem so we went forward with the loan application which cost me in the end {$25000.00}. At closing day, I got a call from XXXX telling me that the loan was denied because of the past due payment. ON THE MORNING OF THE CLOSING. Just a week before he said that he was 100 % sure that the loan would close the following Monday. Well it did not. 

I also need the tape or transcript from my conversation with a XXXX XXXX who I talked to and made the payments through to JGW. I told him the story and he even waived the processing fee. The late payment was reported on my credit report even thou I was not on the loan. 



All of this happened within JGW. My wifes loan on our home is with them. ( the one that was late ) and also the application was to JGW. you would think that they knew what was going on within their own company. 

I have tried to obtain this information from JGW to file  suit for this injustice. They will not tell me anything. Does JGW have the tapes and if so can I get a transcript or the tape so continue my efforts to right a wrong. I have been dealing with XXXX XXXX at JGW. He said that they would do an complete investigation concerning the above situation. All he came back with is that the loan was denied because of the past due payment. My wife and I have never been late on a mortgage payment. We are XXXX and XXXX years old and have owned our own home since we were XXXX. 41 years of paying our obligation to a mortgage company and then I run into JGW. XXXX XXXX XXXX XXXX XXXX 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 09/26/2016 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (CA).
Issue: Settlement process and costs

Complaint: I am a mortgage broker in CA with a complaint against United Wholesale Mortgage. The issue is UWM instructed escrow to deduct a {$970.00} lock extension fee from my Lender Paid Comp, as they said it was to far into the process to re-disclose to and charge the borrower. I have never heard of such a thing and I did not agree to this. Rather I found out at funding when I looked at the funders instructions to escrow to deduct the lock extension from my XXXX. I want that {$970.00} refunded to me as I did not agree to pay it. UWM should have properly re-disclosed to the client and not pull this fast XXXX out of my comp. I will never use that company again.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: They have levied my account multiple times. Collected more than the debt itself. They 're charging interest on interest. They never show me statement nor receipts on the initial account. I never get proper response. I need to SEE receipts and records.     If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, please provide an itemization showing the dates and amount of each added amount. In addition, if you can explain how are the interest, fees or other fees added.     I wanted to learn more about my case and they told me I can work on a payment plan to close debt. But they keep levying my accounts without understanding my situation.     Please identify last payment made to this account.   Use this method as my only form of contact regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection company is falsifying info on my credit report. On XXXX/XXXX/17 they flagged a collection on my credit report as in collection. The status date was listed as XXXX/XXXX/17. On XXXX/XXXX/17 they flagged a collection on my credit report as unpaid, and the status date is listed as XXXX/XXXX/17! They are also reporting to all XXXX credit Bearus under different names, but the same account number, and same balanced owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX I sent to Transunion via Certified Mail a letter disputing several unverified items which arrived at Transunion on XXXX XXXX, XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On    XXXX   XXXX    , 2017 I  responded to promotion b y Wells Fargo,  in obtaining a  Visa  card from them. The promotion stipulated, " {$200.00} Cash Rewards Bonus when you use your new card to make {$1000.00} in purchases in the first 3 months. '' I saved PDF of the promotion and the application, which I electronically submits to  Wells Fargo .   On   XXXX   XXXX    2017  I faxed their  Executive O ffice (  XXXX ,  XXXX , and  XXXX  ) about refusal of the Rewards Departmen t of W.F., in givin g me the {$200.00} cash-reward, as I had already (  1 )  spent over {$1000.00} using the  W.F . credit card and (  2 )  paid off the outstanding balance on the credit card. In so doing, I also faxed them the PDF of the promotion, upon which I had obtained the credit card. Attached please find PDF of the promotion, to which I responded. and my letter to  W.F.    Apparently,  W.F. , was telling me that ( 1 ) instead of the {$200.00}, they wanted to pay me {$150.00} and apparently they wanted to defer the {$150.00} payment to   XXXX  2017   .   Soon after opening the account, it became clear to me that there was absence of integrity and banker 's mindset deeply rooted at  W.F.,  upon which I stopped using their credit card, altogether. Further, I probably shall commence legal action agains t W.  F.,  should they fail, in paying off the {$200.00} to me by   XXXX  2017   .   They are numerous other issues with W.F. Credit Card, such as their refusal in paying the rewards promised as percentage of your spending, as they demand to pay such rewards in {$25.00} or {$50.00} incriminates. As such you can not only redeem {$50.00} on a {$70.00} accumulated rewards.

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 10/24/2016 about Payday loan () with Big Picture Loans, LLC (AK).
Issue: Payment to acct not credited

Complaint: XXXX XXXX contacted and would not identify who they were after I demanded it at least 3 times. They stated they were a law firm representing their company. They threatened my with taking me to court, which would result in costs over {$5000.00}. I also received a call from a so called process server asking I would be home between certain hours on a specific day, she never called or showed up as se said she would. I contacted the so called complaintent as well as my bank. Not only were there not any deposits made on the day they stated their client made, but there were also not any further attempts to get their money according to my bank. I also called the complaintant, Castle Payday, who changed there name to Big Picture Loans. They informed Funds, which is definitely not XXXX XXXX! I feel scammed and bullied and into trying to set up a payment plan with someone I did n't need to! SOOO ANGRY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Greentree/Ditek have been loosing paper work not uploading it and saying they can not do HARP mods but can do in house. I am XXXX a XXXX vet XXXX my wife passed two years ago cutting my income in half. They say they are trying to help but there actions show othrreise. They continur to charge late fees and when I pay they apply to late fees generating more fees. I am at 8.75 % and they want to keep me there. I have had an on time payment history for 10 yrs till my wife died I spent down my savings know the would rather foreclose brcause its better fit thrm so put a ,XXXX year old vet in thr strret

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: spoke with XXXX on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on XXXX  and XXXX | Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or 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