milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2016 about Debt collection (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company has called me repeatedly and I believe has put my phone number on call lists of various marketers and vendors so that I get many recorded messages trying to sell me something. I have applied for a total and complete discharge regarding my brothers student loan and his severe XXXX has not been taken into account at all. I requested an audience or to speak with the client for mediation on the debt and they said no the client will not speak with me. My father paid {$150.00} every month for several months resulting in about {$8000.00} paid and the balance of the loan was not affected much and now that I have not been able to afford to pay it, the balance is greater than the original balance. They offered to settle for {$12000.00} within three days of the request, and said I could pay {$100.00} a month with {$30.00} going to the principal and {$70.00} going to pay interest. I said that does n't help me get out of debt and they made no effort to help me. Thank you for any help you can lend me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried freezing my credit on XXXX/17 at XXXX, XXXX, and Experian and systems were unavailable to process my requests for all three. I want Congress to begin regulating this industry IMMEDIATELY!! Clearly they do not have appropriate controls or processes in place. They make money selling our credit histories yet we get charged to freeze our own credit This is unacceptable and Congress needs to do something about it!!

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 07/25/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: IN XXXX 2016 I HAVE SENT IN XXXX PAYMENTS FOR MY MORTGAGE PAYMENT AND THEY HELD THE XXXX ONE BECAUSE THEY SAID THAT I DID NOT PAY THE WHOLE AMT. I TOLD THEM CAN THEY LEGALLY HOLD MY MONEY AND REFUSE TO APPLY IT TO THE MORTGAGE LOAN AND THEY SAID YES THEY CAN DO THAT. IS THAT CORRECT? I THEN SEND IN A XXXX PAYMENT IN THE SAME MONTH THEN THEY APPLIED THE FULL PAYMENT TO THE LOAN AFTERWARD. I WRITTEN LETTERS TO THEM ON XXXX XXXX, XXXX XXXX, AND XXXX XXXX THRU FAXES AND ALL FAXES WERE SENT TO THEM SUCCESSFULLY. THEY WROTE BACK AND SAID THEY RECEIVED ALL CONCERNS BUT REFUSED TO GIVE ME AN ANSWER IN WRITING IF IT WAS LEGAL OR NOT TO HOLD MY MONEY. I TOLD THEM THAT THE XXXX PARTIAL PAYMENTS I WANT THEM TO APPLY ON THE DAY THEY GOT IT AND NOT HOLD ONTO IT. IN ADDITION I WANT TO KNOW IF THEY LIED TO ME OR NOT WHEN I WAS IN A LOAN MODIFICATION IN THE PAST 2 YRS OR SO. I ASKED THAT SOME OF THE MORTGAGE LOAN TO BE FORGIVEN BECAUSE I WAS TOLD BY THE MAKING HOME AFFORDABLE ACT THAT IF YOU HOUSE IS VALUED LESS THAN WHAT YOU OWE YOU SHOULD BE GRANTED THAT AMT. I HAVE ASKED FOR THAT TO DO BE DONE SINCE SPS XXXX VALUE CAME IN AROUND $ XXXX BUT THEY SAID NO THEY WILL NOT DO IT. I ASKED SEVERAL TIMES ON THE PHONE AND IN WRITING. CAN YOU TELL ME IF WHAT THEY SAY IS CORRECT THEY DO N'T HAVE TO FOLLOW THE RULES OF MAKING HOME AFFORDABLE ACT. I HOPE TO HEAR FROM 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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We have had a personal loan through XXXX for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XX/XX/XXXX, we received notification that the XX/XX/XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XX/XX/XXXX ) we requested a ONE time credit suppression from XXXX. We feel that our request is reasonable but XXXX is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.

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 04/27/2015 about Bank account or service (Other bank product/service) with BMO HARRIS BANK NATIONAL ASSOCIATION (MO).
Issue: Using a debit or ATM card

Complaint: I purchased a piece of luggage from XXXX and the XXXX use of the new luggage resulted in the luggage being damaged. It was a large hard-sided shell and the shell was cracked beyond repair along with XXXX of the wheels being pushed up into the luggage to where it was unstable. I took the luggage to a XXXX authorized repair facility and they stated that it was damaged beyond repair and that it would not be covered by the XXXX warranty. The XXXX Warranty only covers manufacturing defects or damage and states it does not cover airline mishandling. I called XXXX to resolve the issue because this was the first use of their product and I believe they have a manufacturing defect in that they have not designed the luggage to withstand well know rough handling within the industry for which their product is designed to be used. This to me is an implied use warranty. XXXX refuses to credit my card, although they have sent an email indicating that if I want to send the damaged luggage back to them that they will re-evaluate my claim, but the luggage must be sent at my expense and for which I will NOT be reimbursed, even if they ultimately agree that the damage should be covered. I have gone to XXXX and USPS for shipping estimates and due to the large size of the luggage, it will cost me a minimum of {$60.00} to ship it to them for their evaluation. I then contacted my bank to open a dispute to have the amount credited back to my debit account, and the bank BMO Harris, has refused to do anything. Their position is that because the issue is not involving fraud, that I had no dispute that they could assist me in curing. I do not understand this policy as there is no other recourse for me to attempt to recoup my money without having to prove the airlines mis-handled the luggage, which THEY will require me to prove. This is extremely frustrating, and I would like to complain about the refusal of the bank to attempt to resolve this dispute for which their access device was used, as well as I 'd like to complain that XXXX can not simply disregard the fact that their product is not manufactured to withstand known aggressive handling within the industry for which their product is primarily intended to be used.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Bank account or service (Checking account) with U.S. BANCORP (UT).
Issue: Account opening, closing, or management

Complaint: I have a checking account with US Bank that was fee-free if I kept {$5000.00} in a linked savings acct. In XX/XX/XXXX, they put a notification in the statement that if the savings amount was not raised to {$10000.00}, they would institute a $ XXXX monthly fee. I never saw this fine print. They never sent me an email and never confirmed that I received and agreed to this new fee. When I next looked at my statement, I had been charged {$15.00} a month for 6 months ( {$90.00} ). When I complained, they refunded {$45.00} but refused to refund the remaining {$45.00}, stating that I was lucky they even gave me {$45.00}, and they were only doing this as a " goodwill '' gesture. To surreptitiously add fees like this without positive opt-in from the customer or confirming that the customer was aware are typical underhanded methods of defrauding customers as long as it is technically legal. The whole reason I opened this account was to have a place to keep money for a non-profit corporation where there would not be much activity. Customers can not be expected to read all the fine print in every statement to avoid getting stuck with surreptitious fees. Their response was typically arrogant and condescending. I think US Bank should be held to account for their behavior. The law should be changed so that they have to have proof that the customer is aware before they can implement charges by fiat.

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 02-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: We have been paying these loans for 9 years and when you look at their information it is still at the amount we started out at 9 years ago. My father paid on these loans while he was still alive even when I was in school. I have paid for 9 years and it 's saying we have n't paid anything besides interest. We are getting hosed. They are never willing to work with us on anything. I have XXXX kids and a wife at home and work my XXXX off and ca n't afford these rates. I want someone to review this case as something shady is going on. I have seen several complaints like us and I believe something is not correctly being applied to my account. PLEASE HELP US! We ca n't afford any of this!

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (HI).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX Mortgage was sold to LenderLive XXXX. I was switching banks in XXXX and called LenderLive to ask when my mortgage was due before a late fee. I was told XXXX mountain time. After all my bank accounts switched I paid my mortgage electronically on XX/XX/XXXX and thought all was fine. On XX/XX/XXXX I received a letter that my payment was overdue so I called and the agent told me payment was applied and all was fine. I then made my XX/XX/XXXX payment on XX/XX/XXXX like normal. In mid XX/XX/XXXX I received a letter stating my mortgage was now past due by more than 30 days. I also checked my FICO score and to my surprise it had suddenly fallen by more than XXXX points! I again called LenderLive and was told that all was fine. It took me going to XXXX supervisors before learning that my XX/XX/XXXX payment was received but never applied to my loan. It is now XX/XX/XXXX and my credit score has it been fully restored nor has LenderLive returned the {$60.00} " late fee '' they assessed. I feel like I 've been robbed and this is the worst bank ever. EXTREMELY SKETCHY.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX locked my online access to my account because I had a negative checking account balance. The online account access was how I paid my credit card bill. During the time frame my account was locked I missed a payment on my credit card which is negatively affecting my credit. I called XXXX multiple times and they were n't able to take my payment over the phone without charging me a {$20.00} fee. I finally got on the phone with a manager who refunded my late charge on my credit card and restored my online access but the late payment is still showing on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX ,   XXXX  , I pulled my credit report and notice a medical collection from   XXXX   XXXX   XXXX   XXXX   that does not belong to me. I attempted to contact and dispute this with  XXXX  acknowledging the debt not being mine, yet they sent an itemized invoice under their letterhead. I, then, disputed this account again with the company on a later date notifying them the account is not mine, and the information provided is a violation to  HIPPA la ws for sharing someone 's medical information. I have no dealings with this company, nor have I signed any contract with them. If what they provided were mine, they are in violation of  HIPPA by  obtaining/purchasing medical information as a third party from a medical facility. Continuing to report false information about me is slander and I have no problem and will seek legal actions and punitive damages for the hardship this allege debt is causing 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 10-01-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I lost my Job and fell behind in mortgage payments with XXXX. My mortgage was transferred to Seterus. XX/XX/XXXX, loan is in default, payment of {$2200.00} to bring it up to date, pay by XXXX XXXX, XXXX in addition your regular payment may become due by the expiration date. XX/XX/XXXX paid {$2500.00} certified check with us keeping a copy. XX/XX/XXXX. shortage of {$3300.00} for your convenience we will spread out your payments over the next 12 months. This came with a new mortgage escrow statement adding {$270.00} over 12 months. you may pay the shortage in full by sending. A check for $ XXXX.Spoke to XXXX XXXX who proceeded to tell us to make the necessary payments before XXXX XXXX to avoid escrow another {$900.00}. XX/XX/XXXX sent another {$900.00} ( spoke to XXXX XXXX Seterus to confirm ) ( have copy of certified check ) to fulfill escrow. XX/XX/XXXX cashiers check {$1100.00} ( have copy ) XX/XX/XXXX sent another cashiers check for {$3300.00} ( have copy of certified check ) continued to pay escrow and mortgage payments on time until XX/XX/XXXX! money owing was paid up front with documentation of certified checks to prove it, escrow was for 12 months even though we did n't owe any escrow. but they continued to take escrow from XX/XX/XXXX- XX/XX/XXXX, exceeding the escrow amount even if we did owe it. XX/XX/XXXX they did a review and paid us back {$2500.00}? we have a copy of all certified checks and all documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (GA).
Issue: Other transaction issues

Complaint: I purchased a money order on XX/XX/2016 ( to cover my rent ) at XXXX from XXXX, GA XXXX. I mailed it out on XX/XX/2016. It is XX/XX/2016 and my rental company still has n't received the money orders. Last week I contacted my rental company to ensure they had n't miss-placed them and also to advise them of whats going on. After carefully researching they have n't received them either. Monday morning I contact western union to track the money orders. After speaking with an agent he advised they have n't been cashed. He advised to wait a few more days because it can take 10-15 days in the mail ( Which I 've never known a money order to take that long ). He then proceeds to let me know after that I could file a claim and pay XXXX ( non-refundable ) to have them place a stop payment and it would take an additional 6-8 weeks before they could process it and send my money back to me. At this point I think that is ridiculous giving this is my rent money and I do n't have money just laying around to pay an additional XXXX to my rental company. I asked if he could send me an email detailing what we spoke about so I could forward it to my rental company and he told me no. I asked to speak with a manager. He proceeds to place me on hold for an hour and never came back. I called back and had to explain myself to yet another person who placed me on hold again for 30 minutes. At this point I am very frustrated. I called the next day and spoke with another young lady having to yet again explain the situation and I let her know I just would like to speak with a manager and for her not to place me on hold. She proceeds to get a manager. The manager gets on the line and I explain the situation yet again. She informs me there is a form she would have to send me via email and she could also send the email to me to send to my rental property. I thank her and wait 3hrs for this email that never arrived. I call back again only to explain the situation to another agent. The agent says oh she forgot to tell you it will take her 24/48 hrs to send you the emails. This timeframe is running into the holiday season which means I would n't technically receive the email until monday XX/XX/2016. I feel as if this is ridiculous and this is my rent money and I could be evicted and have a small son. Customers should not be treated in this manner. I do know that companies have policies and procedures but I also know they can bend for certain circumstances because the manager said they could. Whatever can be done needs to be done as soon as possible. My living situation is in jeopardy and I feel like the agents at western union could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   has consistently been a problem.  XXXX   XXXX  TransUnion &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents. Reporting false information and breaking several laws in FCRA.

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 10-03-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (KY).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015 at XXXX Eastern Time, I drove up to the ATM at the Chase Bank Branch located at XXXX XXXX XXXX, XXXX KY XXXX to make a cash deposit. I was in a hurry and made the mistake of not counting the total deposit amount, but I would estimate it to be between XXXX and XXXX dollars. I fed the money into the ATM and got a receipt that said there was a technical problem with the ATM and to contact the bank to resolve. I went into the bank branch and was told I had to file a claim, which they did for me, Later that day, I received a " temporary '' credit of {$53.00} while they reviewed my case. They mentioned they have the option of taking the money back if they do n't find an error occurred with the ATM. Chase has a reputation for not giving customers back their lost funds and I am concerned that I will not get back the remaining {$30.00} to {$40.00} in lost funds but also they will try to take back the {$53.00} they did give me. I do not trust these people and feel like they are going to give back all of my money. If you can help I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Complaints should have the opportunity to respond to company responses. Since both the third party collection agency and the original debtor answered this. Responses are below. 

In regards to : ~~TRANSWORLD SYSTEMS INC ( TSI ) ~~ TSI did not adress the issues. 

1. TSI stated via phone call they received this debt in XX/XX/XXXX. I never received any statements from XX/XX/XXXX-XX/XX/XXXX while I  was in the military and they were fully aware of my location ( s ) 2. I never received any statements until XX/XX/XXXX. Why? 
3. HOW is this debt NOT subject to the limitation in PUBLIC LAW 110-234? 
4. To the best of my knowledge, it is illegal to charge BOTH a collection fee and interest.
5. They refused the settlement.
6. Being a third party collector ( by the admission of XXXX ) they are NOT affiliated with the federal government. They are merely just another collection agency and thus illegally misrepresented themselves and violated the laws which govern fair collection practices. 



XXXX XXXX stated that no address was given. I was still in the airforce when this supposedly got transferred to the 3rd party collection agency. As part of the clearing process both to a new base AND to exit the military an XXXX/soldier MUST go to XXXX and be cleared. 

In addition, when there is an outstanding debt while a member is in service their pay is garnished and a report sent to their XXXX XXXX and XXXX. 

When I XXXX to XXXX I went through the clearing process and also when I exited the XXXX. 

Had there been a debt I would have been garnished while I was still in service AND/OR forced to sign an agreement for repayment upon exiting the military as is the standard. 

TSI has refused the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: On XX/XX/2018 I was on the website XXXX attempting to access my yearly free reports. I was able to obtain the XXXX Report with no problem. When accessing the XXXX/Equifax systems, the screen froze. I was only able to hit the back button, it was indicated I received both reports. I had not. I tried to log onto the system again. The system said I had already received the reports and I couldnt go any further. This glitch happened last year to me as well. I wish they would get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax fails to remove the XXXX XXXX XXXX account. Equifax reports incorrectly that XXXX XXXX XXXX is the owner of this account. Equifax reports incorrectly that this account has a balance {$7700.00}. Equifax reports incorrectly this account 's date of first delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

Company response to consumer: Closed with explanation