milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL).
Issue: Money was not available when promised

Complaint: On XXXX, XXXX XXXX MoneyGram transaction for $ to be sent to XXXX XXXX XXXX . Amount was {$75.00} + {$8.00} fee. Reference number : XXXX. NAME WAS CORRECT ON RECEIPT : XXXX XXXX XXXX The following are e-mails from receiver ( XXXX ) : XXXX XXXX : Good morning. I went to the moneygram oficce. And they ask me for the amount and password. I couldnt get it Without. 
XXXX : Money amount is {$75.00}. Use this reference no : XXXX XXXX : Good nigth XXXX . 
I stop by moneygram to see if I can pick up the money. Its already here but my name saids XXXX XXXX and its need to saids XXXX XXXX XXXX. Hope you can fixed. Thank you very much. 
XXXX XXXX : Good nigth XXXX. 
I went to moneygram office to pick up the money. Its alteady in XXXX but my name has a problem. It sais XXXX XXXX and its need to saids. XXXX XXXX XXXX. I couldnt get it until my name be corectly. Thanks again. 
XXXX XXXX : Hi! XXXX How are you. Hope you be ok. 
I went to moneygram office. Money its here. But my name its wrong. Its saids XXXX XXXX. And it sould saids XXXX XXXX XXXX XXXX : Can you fix it please. Otherwise it wont be paid it to me. Sorry for the inconvenience..thank you. 

XXXX : Still im having problem with the money. They said it wont show up this time. Is kind of frustreited ... see if you can fixed. If not dont worrye. Thank you very much. And sorry for all this running on you ... 
XXXX : XXXX XXXX Its me again. Money gram office said you have to change the number refetence. And fix the way they wrote my name Otherwise I cant cashed. Hope you can do it. Thanks. I spend like XXXX dolls. On gas I went to a diferent money gram office. 
XXXX : ( me sending response ) What a XXXX disgrace. Anyway, Moneygram changed the name to read : XXXX XXXX XXXX. The reference number is o.k. : XXXX. If this is not successful, get me the phone number - full number with country code, etc. of the agent you are dealing with so I can try to have MoneyGram call them. Feel bad you have spent so much $ on gas. I am going to call Money Gram in Minnesota to complain. 

XXXX : Thats my phone number. I will stop at moneygram today and see if I can have the money. They open at XXXX I will sen you a email soon as I have an answer. Thank you. 
XXXX : ( me sending response text ) if they hassle you, tell them they are supposed to call their office and confirm the transaction. 
XXXX : Good afternoon XXXX . finaly I recive the money. Thank you very much and sorry for all this running.. it was hard for you. Thanks for XXXX money. Wish you the best and XXXX bless you ... we are on touch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I recently sent a letter to Experian dated XX/XX/2018 asking them to verify the bankruptcy on my report from XX/XX/2018. I spoke to the clerk of the bankruptcy court and she advised me that their court did not report this information to Experian and that their court does not even have a subscription to report to ANY credit agency. I feel that Experian is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The clerk also advised me that they do not verify this information directly and in addition, the clerk from the court explains that the courts do not verify or give out social security numbers to any THIRD PARTY companies. So if they did not report this information how did you? According to the FCRA it is not permissible for you to report THIRD PARTY unverified information. In addition the FCRA also state that the credit reporting agencies can not report inaccurate unverified information. This results in Experian using erroneous information including but not limited to falsely reporting information to my Credit Report. 

I have included a letter to that effect my original dispute letter. Thank you for your help.

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 05-11-2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I am requesting a qualifying review of my mortgage as I am confused by the calculations surrounding my mortgage which was in XX/XX/XXXX modified by my lender under the HAMP modification program. Recently home was appraised and surprisingly is significantly under water with the mortgage. Subsequently no lender will accept my loan and so I can not get loan refinanced. Please request a qualifying review of my mortgage and provide a complete response as to all fees, interest and how they were applied. After paying loan since XX/XX/XXXX when loan was originated and for over XXXX years on time since my modification, I still seem to owe more than what the original loan was for {$430000.00}. Prior to my modification my loan was only XXXX months behind and was payed on time except for the XXXX months I was? behind the fees assessed then made my loan even more behind forcing the bank to file foreclosure on property .I have since managed to make all payments but now I am stuck cant sell the home or refinance the home due to my loan being severly under water even after paying over {$200000.00} since modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XXXX 2014 there was several accounts started in my name without my consent. one was with Ally Financial {$10000.00} second with XXXX XXXX {$29000.00} third with XXXX {$12000.00} and XXXX  XXXX XXXX {$11000.00}

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 01-12-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (RI).
Issue: Trouble during payment process

Complaint: The initial mortgage started effective XX/XX/XXXX, after 2 months with XXXX XXXX the note was sold to XXXX XXXX. XXXX XXXX determined a monthly mortgage payment of {$910.00} including es-crowed taxes and insurance for a 30 year loan on principal of {$120000.00} with fixed interest of XXXX. XXXX XXXX sold the note to Specialized Loan Servicing ( SLS ) during XX/XX/XXXX. SLS notified me on XX/XX/XXXX that the loan had accrued a shortage of {$10000.00} that resulted in a new monthly payment of {$2100.00} until the shortage adjustment was recouped. On XX/XX/XXXX SLS notified me that per recalculation the new monthly payment would be {$1700.00} as the  shortage was determined to be {$5300.00}. I was told by phone that I would be requires to pay this new monthly amount for the next 12 months. As I have indicated the payment went from {$910.00} to {$1700.00} without any means of recourse or option to repay over a longer term. The annual escrow increase from XX/XX/XXXX to XX/XX/XXXX for taxes and insurance amounted to {$72.00}. The action I find necessary is for SLS to clearly explain the shortage calculation as well as their denial of my request to lengthen the term allowed to repay the correct shortage amount.

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 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have call transUnion and told Them That XXXX XXXX XXXX XXXX  shouldn't be showing on my inquiry onXX/XX/XXXXbecause I haven't apply for no service with XXXX XXXX an they told me that they can't remove. An I don't have no cell phone service with XXXX I have XXXX XXXX XXXX  service This is what is listed on my inquiry : XXXX XXXX XXXX XXXX -TransUnion XXXX-TransUnion XXXX   inquiries listed incorrectly doesn't belongs to me XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXXPriority XXXX   XX/XX/XXXX XXXX  incorrect inquiries don't belongs to me XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 03-03-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Shopping for a loan or lease

Complaint: I began shopping for a new automobile in XXXX 2016. I have signed only two applications and it was upon the assurance from the Finance Manager at a XXXX and XXXX dealership that he could get financing for sure. I told them I already had my own financing and that I had a fraud alert in effect due to Identity Theft. I was assured it would be a soft inquiry. Of course I was turned down. I have only been in a dealership building twice but counting all XXXX Credit Bureau 's Hard Inquiry shows almost XXXX total inquiries. 
I understand there is a tern " Shotgunning '' where Automobile Dealerships pass your inquiry or tracking software to see that you have visited their web site and then the next day a salesman calls. 
Of course everyone wants to get the best price and I see nothing wrong with viewing their inventory online. I did not know they had the ability to see who visited their website until I got an angry email from a salesman at a XXXX dealership in XXXX AL who sent me a nasty email about visiting their website over 25 times and to make up my mind. 
I had a friend that formerly worked as a XXXX said all XXXX have sources that they can get Social Security numbers on anyone without consent of the consumer. 
I believe that laws should be passed to require a signature in person or notarized to sign for their Social Security number to be given. That is one of the provisions in the Patriot Act but Automobile Dealers and Mortgage companies. 
Therefore I ask demand that the Hard Inquiry placed on Credit File with XXXX and XXXX be removed within ( 15 ) days or Legal Action will begin. 
There is a section in the FCRA laws that you have reason to sue in ANY COMPETENT COURT OF JURISDICTION for improper Hard Inquiry from any Credit Report Agency. 
I am asking that you voluntarily see that your inquiry or inquiries be removed from the Credit Bureaus, or by acceptance of this Certified Mail, I authorize that I have the right to sue in the XXXX Court. Our Social Security Numbers will be provided on a separate document although you already have it. Thank you. XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (Payday loan) with CHECK INTO CASH INC. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I answered my phone to a rude person stating that i was being sued by check into cash and they were foling a wage garnishment. I explained to the individual ive already paid them in full and i have proof. The person then went on to call me a liar and topd me i was being arrested on XXXX felony charges. I told him i have proof see you in court and hung up. He then called back and began yelling at me calling and said why dont you pay your bills you XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/28/2016 about Debt collection (Medical) with Lou Spivack, P.C. (NV).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: he threatened that a court date had already been set for my case for XX/XX/XXXX on first contact which was on XX/XX/XXXX. Stated i needed to know exact date as I had a new insurance provider at a certain time during this. Asked him to not contact me during work hours and he replied with oh good your working hinting at wage garnishment. He stated i dont understand the laws for fair debit collection.

Company response to consumer: Untimely response
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: unsure of dates but multiple of times i stated that this was error due to iditity theft or fraud on my account and the hard INQUIRIES are not mine.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

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 04-01-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX placed a collection on my Experian credit report on XXXX XXXX, XXXX for {$680.00}. I have never received any communication regarding this account via XXXX Mail from XXXX and had no idea what it was for. It did, however, look familiar and further investigation of my XXXX credit report from XXXX XXXX, shows that XXXX had the same collection on my credit report then for the same amount but with a different account number. I had not received any communication regarding the previous ( same account ) back in XXXX either and when I discovered it on my credit report, I sent a letter to XXXX requesting validation of the account per the FDCPA. This was sent on XXXX XXXX, XXXX. XXXX has never responded to this request. I also disputed the account with the credit bureau around the same time and XXXX subsequently deleted the account from my report on XXXX XXXX, XXXX. 
I have never received any mailed communication from XXXX, nor have they every validated the account from my requested in XXXX. I disputed the account they are currently reporting on my Experian credit report and received notification that it was verified as accurate. How is it possible that XXXX can validate a tradeline as being accurate when they admittedly do not have information about the account in their possession and can not provide it despite my request for validation over a year ago. XXXX is deliberately trying to poison my credit rating by reinserting this alleged account on my credit report. They can not provide documentation to me proving that I owe the debt nor can they show proof that they have any legal right to collect it, yet they verified it as accurate to Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid different accounts and Transunion has it paid off and XXXX does n't! I have a credit score that is XXXX pts different from one credit company to another! I have collection items that were paid on one credit report and open on others. I have late payments on Trasunion and there on none in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax withheld information about a security breach which lead to 143 million SSN 's and other personal information to be stolen. 

I was not informed of this and my information has been mishandled, which could leave to a lifetime of difficulty with battles regarding identity theft. I demand action be taken against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX XXXX XXXX. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. This was a Rental House with my Ex-husband in which we got a divorce and he lived in the place alone without me. I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Texas Finance Code section 392.101 a Debt Collection Company has 30 days to validate the debt. In my case my debt was partially validated in which makes XXXX XXXX XXXX unable to collect debt in Texas. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I asked XXXX XXXX XXXX to provide that information because I have the right as a consumer to know they have not provided the information in a timely matter. For that reason they should be removed from my credit report with your company if they ca n't provide the right information. I am providing the information that was sent to XXXX XXXX XXXX through USPS and CFPB alone with and audio that you can hear them violate my right by not providing the information that is supposed to be provided based on the Fair Debt Collection Practice Act, Texas Fair Debt Collection Practice Act, and Texas Finance Code Section 392.101.

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 06/16/2017 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I called collection agency  XXXX   XXXX   XXXX  spoke to  XXXX   XXXX   XXXX   XXXX   XXXX ,  I a dvised  XXXX  this was a Fraud Account that I resolved 3 year s ago with  the  XXXX  and their Attorney and I was removed from the lawsuit and I have Documentation from Court and NYS Sheriff 's Dept showing I was excluded due to the Fraud and i need it to be removed from my Credit Due to the fact i am trying to buy a home.  XXXX  proceed to threaten me saying that I am the guarantor and a judgment is against me and even if I get Attorney I still have to pay and it 's my responsibility an d Hong up on me even when I told him I had document to show that 's not true.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Payday loan () with Broadway Account Services (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I was contacted via telephone by a company claiming I took out a pay day loan for {$890.00} in 2011 which I did not. They then sent me a threatening email.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Billing disputes

Complaint: XXXX XXXX XXXX XXXX made an unauthorized charge to my Chase credit card in the amount of {$680.00}. I disputed the charge immediately, in writing, to Chase who has refused to remove the charge and further, has refused and, continues to refuse to conduct a competent investigation into the charges. Relying on form letters and form denials and, refusing to provide COMPLETE copies of documentation it says it received from XXXX XXXX that allegedly support the fraudulent charges. I have since paid the charge including {$40.00} charged by Chase in interest fees. Chase has done nothing but threaten to ruin my credit. XXXX XXXX has done absolutely nothing to assist in the investigation or to provide a competent explanation for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Receive calls daily from different phone numbers belonging to XXXX XXXX. I have asked three times for them to stop. They want someone who does not live here and is in fact deceased. The person apparently provided my phone number. I am not related to this person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: The current holder of my mortgage, a hedge fund, bought the loan from XXXX in an auction two years ago, no doubt at a substantial discount ( although I ca n't find out what they paid ). The servicer, in moving to foreclose, was required to go through Mediation by Oregon Law. In this process we applied for a mortgage modification to allow us to stay in our home. First HAMP was denied ( see attached for reasons- they gave us no information about how they arrived at not being able to fit a modification into the XXXX-XXXX % DTI ). Then we were denied for an in-house modification for the reason that the LTV was less than 70 %. This calculation is only based on the original loan balance and a drive-by BPO ( of which there were XXXX that varied by XXXX % in their valuation ). The holder of the loan is unwilling to consider the back interest and tax/insurance escrow owed in the basis of their calculation. If they did, the LTV would be between XXXX- XXXX %, depending on which BPO was used, well within their " standards ''. Their method seems a logical fallacy. Either the additional debt owed to them should increase the base loan or reduce the value of the home, because the net result is they we have less equity.

Company response to consumer: Closed with explanation