milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Other service issues

Complaint: I want to complain about paypal. Paypal offers 180 days of protection to the customer, but it was denied to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2017 about Checking or savings account (CD (Certificate of Deposit)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: XX/XX/XXXX  at  XXXX   XXXX  mom & I went into Bank of America to add me to ALL of her accounts as she is getting up in age. We took her trust and all of the Power of Attorney papers. We met with  XXXX   XXXX  Relationship Manager  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  we worked on our issue many, many times  XX/XX/XXXX ,  XX/XX/XXXX , until we thought it was resolved. I tried calling the IRA dept  (  spoke with  XXXX   XXXX   XXXX  X  XXXX  ) where her CD is and they said they have no record of the  POA  and could not speak with me ( I needed info for her tax man this year,  XX/XX/XXXX   )  I tried working more times with  XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . I was told I ned to fax in the POA papers to the IRA dept and all should be fine. I also spoke iwth  XXXX  supervisor,  XXXX   XXXX   X   XXXX .   I faxed the papers to  XXXX  on the following dates :  XX/XX/XXXX  and after a month he finally said did not return my calls so I made a complaint with your c o (   XXXX  ) and I heard from a   XXXX   XXXX    XXXX  X  XXXX . She said to fax it into her direct ly (   XX/XX/XXXX  ) and she will make sure  BofA  had it.   OK now she received it but I need to ma ke 1  more appt with  XXXX  so they can get some ID from me and verify that the POA would get to the document center, which should be the right place. That appt was Monday  XX/XX/XXXX . I also met the Financial Center manager,  XXXX   XXXX   XXXX , he GUARANTEED me I would not have any more problems and he is very sorry I went through all of this. ( Mom is now on  XXXX   )   XXXX  called me wednesday  XX/XX/XXXX  and asked if everything went well with my last visit. I answered " I hope so but I am not convensed because I was told 9 months at the local branch in  XXXX , CA that is was taken care of but it was not. '' She said OK give it another day and then call the IRA dept and make sure they will speak with you.   So on Thursday  XX/XX/XXXX  I called in and spoke with  XXXX   XXXX   X   XXXX , he told me he CAN NOT speak with me directly, only my mom that I need to go into a branch to handle things. I told him about my meeting with  XXXX  and his supervisor  XXXX  earlier that week, so he called  XXXX  and said he can not speak with me  ( still ).    I then asked both, why have I bothered jumping through all the hoops you required of mom & me when you STILL cant help me?   I put another call into  XXXX  the mediator and she has not called me back.   Now I find that you closed the case??? It is NOT resolved!!

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 03/22/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I wrote letters to XXXX XXXX and XXXX asking them to investigate and REMOVE the inquires form my credit reports from ALL XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with XXXX XXXX. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (DC).
Issue: Fraud or scam

Complaint: I am writing because Western Union is not taking sufficient steps to prevent fraud or identity theft against consumers. I received a letter in the mail stating that I had transferred funds on a specific date and that these funds had not yet been retrieved. As I had never transferred funds through Western Union, I contacted their Consumer Fraud Hotline. After explaining the situation and citing the specific letter I had received, the representative was able to tell me the location of the transaction and that cash had been sent using my name, address, and date of birth. I explained that I had not made that transaction and that I did not know the person to whom the funds had been transferred. Even after explaining this, the representative failed to even apprehend that I was trying to report a fraud. He simply offered to refund me money. I explained that I had not actually lost any money, as someone else had sent their own cash using my name, and that I simply wanted to report fraudulent activity. He stated that all Western Union could do was to block any use of Western Union under my name ( such that, even if I myself wished to use Western Union in the future I could not do so ). I asked if there was any way to notify me if someone tried to use my name in the future. He stated that there was not. I then asked if he could send me some confirmation that any use of my name would be blocked in the future. He stated that they did not have the capacity to do so. I asked to speak to a supervisor and he also refused to either send me written confirmation that use of my name to transfer funds would be blocked in the future and also stated that they could not notify me in the future if someone attempted to use my information to transfer money. I expressed concern that this was inadequately protective of consumers and the supervisor still stated that there was nothing more that he could do. He did not offer to open an investigation into the individual who had made the transaction ( even though the name of the recipient of the fund was listed on the letter I received and provided to Western Union by me ). This supervisor 's name was XXXX and his identification number was XXXX, a supervisor in the Consumer Protection Unit. The conversation took place on XXXX/XXXX/15 at about XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX, XXXX To Whom it May Concern : I am disputing the XXXXen ( 10 ) Federal Tax Liens on my Credit Report. As of today, Equifax has not removed the Federal Tax Liens from my Credit Report as cited by the National Consumer Assistance Plan ( NCAP ) Rule of XXXX, XXXX, which states, in part, the credit reporting agency will remove any Public Record, Judgments, and Liens that do not have all the required information. Therefore, Tax Liens that do not have the FULL Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies ' database. My ten ( 10 ) attached Notice of Federal Tax Liens display a PARTIALLY REDACTED Social Security Number ( SSN ) and there is no Date of Birth ( DOB ). Based on the NCAP Rules that became effective XXXX XXXX, XXXX, I am disputing the Federal Tax Liens on my Equifax Credit Report and I request they be removed according. Thank you very much, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: We requested Ocwen to provide documentation to show that Ocwen has the authority and standing to collect the debt and to administer any resulting foreclosure for property address, XXXX XXXX XXXX, XXXX, Tx XXXX. All of the documentation provided by Ocwen shows that Ocwen is the servicer for property address XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Ocwen has failed to provide any evidence that they have the standing and authority to enforce a servicing agreement for our property address, XXXX XXXX XXXX, XXXX, Tx XXXX. 

Ocwen states that the loan origination for the loan they are servicing was on XXXX XXXX, XXXX for property address XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. Our loan was originated on XXXX XXXX, XXXX. Ocwen has failed to show that they are authorized to collect the debt and to administer any resulting foreclosure of the property address XXXX XXXX XXXX, XXXX, Tx XXXX. 

We would like Ocwen to provide documentation to show that they have the authority and standing to collect the debt and to administer any resulting foreclosure for property address, XXXX XXXX XXXX, XXXX Tx XXXX. 

As Ocwen states the property address they have on file for us, which is XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX, does not match our primary address which we occupy, which is XXXX XXXX XXXX, XXXX, Tx XXXX. 

According to Ocwen, there is no single investor of our loan. Our loan is supposedly XXXX of many in a securitized investment trust. This securitized investment trust was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. I am not sure how Ocwen can legally update our property address at this point and time. 

We would like for Ocwen to file a Deed of Reconveyance, release any and all liens on our Real Property in the land records office in XXXX XXXX with the legal description Lt XXXX XXXX XXXX Sec XXXX and Satisfaction of Mortgage on our mortgage because Ocwen does not have an enforceable note or mortgage with XXXX and XXXX XXXX because we do not and have not ever lived at XXXX XXXX, TX XXXX, which is the property address listed in Ocwen 's records.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (WV).
Issue: Loan servicing, payments, escrow account

Complaint: I had a second mortgage with XXXX which sold the loan to US Bank and then was managed by Shellpoint mtg. I paid the loan off XXXX. When I tried to refinance, the lawyer doing the title search found that the release of the deed of trust was not done properly. I filed a complaint with you against Shellpoint mtg but they STILL did not get it right. The lawyer, XXXX XXXX, has e-mailed US Bank and they refuse to answer her e-mail. Until US Bank does a proper deed release I ca n't refinance or sell my home. If they have the authority to put a lien on my property, they should be made to release it properly when paid in full. This situation is ridiculous. XXXX is saying they released it properly but the lawyer is saying US Bank either needs to release the deed themselves or give XXXX mtg power of attorney saying they had the authority to release the deed of trust.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Checking or savings account (Other banking product or service) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: We arranged a settlement with a mortgage company through Senator XXXX XXXX and the CFPB. It was approved by a court. We did what we were supposed to do and so did the mortgage company. We received our payment in two checks and immediately deposited them through our mobile app for CITIZENS BANK. The money showed as a partial availability of {$400.00} for the two checks on Monday. The remainder would n't be available for another day. This is what we were expecting. Based on that, we made arrangements for part of the partial availability money to be paid out come Monday. The next day, Citizens Bank changed their minds and wo n't make any money available to us until XXXX XXXX. The teller that I spoke to only said they needed to verify they were going to actually get money. She said I was getting none of my money next week. She refused to put me in touch with her supervisors because it was the weekend and would " inconvenience '' them. She said she did not care that I have no food, medications, or other necessities to live without that money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (IL).
Issue: Problems when you are unable to pay

Complaint: I have a past due account with Tower Loan. My husband and I unfortunately had to make the decision to file a Chapter XXXX Bankruptcy. We retained a lawyer and I informed a woman from Tower Loan, ( I believe her name may have been XXXX? ) that we were filing. She became very nasty and rude with me, I just responded with my attorneys name and number. Instead of calling and verifying the information I gave her, this office just has continued to hound me and my husband. They have now resorted to calling our references. For what reason? They know we are filing bankruptcy, the only reason why they would keep calling us is to harass us. AND the only single reason they would call our references is to embarrass us. These are repetitious phone calls that are just intended to annoy, abuse, or harass me and my husband.

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 06/28/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I challenged Equifax to remove the credit fraud alert off of my credit report, then, they requested an ID and check stub, I sent them this and THEY STILL did not remove the credit fraud alert, however the competitor XXXX had no problems removing the fraud alert with the very same documents. So, this tells me that Equifax is perpetually trying to frustrate me based on racism. Let it be known that I will not tolerate this kind of treatment and incompetence. I 'm demanding that EQUIFAX REMOVE the fraud alert from my credit report. This is causing me to not achieve the American Dream and I will fight dearly for it. You ARE BEING WARNED to remove this fraud alert from any credit reporting AT ONCE!

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Approximately mid XX/XX/2017, I spoke with a female employee with Navient concerning a possible loan transfer from my provider XXXX. I was given this provider by XXXX who stated I would be given a loan reduction and better terms. First, XXXX did not follow through on their promise. Secondly, after speaking to a Navient employee, I was told my payments would be much higher and a longer term ( than my current provider XXXX ). I firmly told her do not transfer ( cancel ). I also faxed a letter on XX/XX/2017 to cancel. Approximately several weeks-one month later, my loan was transferred to Navient. They ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Payday loan) with PLS GROUP, INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: PLS Loan company contacted me through my employer by calling my work phone, which is n't allowed at my job and attempted to scared me by saying they have me on record stating I refuse to pay my debts when I clearly said " at this moment I will not be paying off that loan '' The operator was extremely hostile and demanded money or they would take further action, but did not explain what that meant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/14/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX the first I was told I had to do a loan modification to keep my home I was behind 90 days they refused to help me get caught up on XXXX XXXX XXXX I was rushed to the hospital XXXX .so any way then on the not XXXX I was issued a terrible attorney letter from XXXX XXXX XXXX XXXX Indiana then on the XXXX of XXXX I was sued by nationstar from the court I had a case number so I called nationstar so they told me numerous times to diss regulars any letters from the court I was in a loan modification well after another hospital stay and XXXX I went to a XXXX seminar they told me to file a complaint that all these fees XXXX dollars in attorney fees etc is all illegal they are helping me to work this out but I was vey XXXX and have XXXX of equity and these people wants to push me out of my home with my XXXX XXXX XXXX mother I the care of I have filed a complaint XXXX as well Indiana my loan number is XXXX I did n't even want a loan modification then I get a phone call today I have been denied XXXX XXXX XXXX and to keep my home I now need a crazy figure my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am working with the get XXXX program with my state and they are going to help me but they told me to file this complaint beaus why thy di under my loan modification was illegal

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: As a victim of identity theft, I disputed various items on my credit report in XXXX, including XXXX. The investigation returned with no changes. I contacted XXXX regarding the account on my credit report, and was sent documentation verifying the account was a XXXX balance, and closed since XXXX 2016 by having been sold to XXXX. I had opened the XXXX account right before leaving to serve my mission for my grandmother to always have money for groceries and food ; the information on the account was stolen or changed as well - including my name and the address I had on the account. The initial dispute and investigation returned no changes and the account information was not updated, including the high balance and the open status. XXXX provided me with the information that was sent to each of the credit reporting agencies in XXXX and XXXX - clearly indicating that the account was sold and had a XXXX balance, and verified that it was never requested by TransUnion as part of the dispute. TransUnion did not properly request, update or use the information. My grandmother indicated she never used the account ; I have tried multiple times to obtain the statements from XXXX and XXXX to see where the balances came from and what they were - but since the accounts are both XXXX balance and now closed, it is n't vital. What is vital is an investigation into TransUnion 's dispute practices to discover why the initial dispute in XXXX did not result in the correct changes - updating the XXXX account from open to closed and the high balance to 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 10/25/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (PR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: To whom it May concern : In my credit history I report an account that I do not belong to Credit Collection services # XXXX collecting a balance of {$490.00} from XXXX XXXX XXXX - XXXX which does not belong to me and I have never lived in the United States.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In 2007 the HSBC account went into collections due to my XXXX and XXXX XXXX XXXX  from my military service during the XXXX XXXX XXXX. I contacted the company and made payment arrangements which I successfully completed as agreed. I was recently contacted by XXXX XXXX XXXX, again, about this 12 year old past debt, and filed a dispute. Their investigation yielded account information that was not only 10 years old, it did not reflect the payoff agreement, and subsequent paid status of the account.I again contacted XXXX XXXX XXXX by phone and was told they were still investigating the dispute and would not talk about the account. I again refuted the status of the debt, and apprised the company I would be seeking legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (I do not know) with EOS Holdings, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: To whom it may concern : This letter is being sent to you in response to the above reference account that EOS CCA, has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any documents that show I agreed to pay what you say I owe. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent. 

At this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS CCA, for the following : Violation of the Fair Credit reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Payday loan) with CASH AMERICA INTERNATIONAL, INC. (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have obtained a debt consolidation to handle the re-payment of this loan. The legal group representing me has sent out cease of communication letters well over 45 days ago. I continue to receive multiple calls a day at my place of employment. I have made contact with my legal group notifying them of the this issue. Since that time I have received a written warning from my employer regarding all these calls, thereby threatening my job.

Company response to consumer: Closed