milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2017 about Money transfer, virtual currency, or money service (International money transfer) with TransferWise Ltd (TX).
Issue: Wrong amount charged or received

Complaint: This relates to an international transfer of funds from my bank in the United States to a recipient who lives in  XXXX , using a service called  transferwise.com.  The amount of the transfer was  XXXX   XXXX , plus a  XXXX    XXXX   fee charged by transferwise for a total transaction of  XXXX   XXXX .     Per transferwise 's instructions, I directed my bank to send  XXXX   XXXX  to  XXXX ,  XXXX  And  XXXX   (   XXXX   ), t he bank in  XXXX  designated by transferwise to receive the funds. A day o r two la ter, I received a communication from transferwise informing me that only  XXXX    XXXX   had been received. I confirmed with my bank that it had indeed sent  XXXX    XXXX  , so I asked transferwise what happened to the missing  XXXX   XXXX .     At first, transferwise said that some bank along the way MAY have charged a fee on the transfer. Later, it became clear that transferwise 's own bank was the one that charged the fee.     My complaint is that transferwise knew that its bank would charge a fee but failed to disclose that fact prior to the transaction. I would not have used this service had I known of the additional fee.     I have asked transferwise to reimburse the fee, but they refuse on the basis that it was the bank, not transferwise, who charged the fee. Transferwise does say that they will return the  XXXX   XXXX , but cautions that its bank may once again charge a transaction fee on the returned funds. Additionally, the fee I paid to my bank in the United States for originating the transfer in the first place will be forfeited and I will incur an additional fee from my bank for processing the returned funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-10-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is displaying the creditor XXXX 4 times for the same XXXX account on my credit report pages XXXX and XXXX. This account is a fraudulent account that belongs to XXXX XXXX, not XXXX XXXX in which XXXX has admitted this is her account I never knew anything in regards to the account in which I attached a letter from XXXX XXXX. It is fraudulent credit reporting for XXXX and Experian to report the same XXXX account XXXX times on a credit report. I want the accounts removed immediately. Experian has refused to remove. It is not removed this time around, I have no choice but to seek legal representation as I have exhausted all options. Also, they are writing comments on my credit reports in which I want them removed.

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 01-10-2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (OK).
Issue: Fraud or scam

Complaint: Money frozen says acct on hold since their site crashed XX/XX/XXXX. talked to dozen of customer reps promise to fix it refund it or send a check. NOTHING ever happens they intend to keep the money of XX/XX/XXXX people

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Ever since Navient has become the servicer of my student loan I have received continuous poor service. I have received conflicting information from agents, incorrect information, and a complete lack of competence and accountability. Most recently, after making a lump sum payment to the principle balance of my loan, I called customer service to have what they call a redisclosure to determine a lower monthly payment. I called on XX/XX/2017 and was told by the agent assisting me that the request for redisclosure had been made and I could call back in 14 days to find out the status. After waiting the required 14 days, I called back on XX/XX/2017, and was told that the system does not show where any request had been made. The request could be put in on this date but a determination would not be made until XX/XX/2017, causing me to have to wait another billing cycle to get my payment reduced. If the request was submitted timely the new payment would have take effect XX/XX/2017 but due to their incompetence the earliest it would take effect is XX/XX/2017. Unfortunately, this is not the first time that this same exact " mistake '' has happened to me personally, causing me to pay more than is required. This seems to be the norm with this institution and it is frustrating to say the least. This negligence is borderline criminal amd should not be allowed to continue when dealing with peoples finances.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: USAA screwed up my escrow account for property taxes. Last year I was only in the house for 6 months so I paid half the taxes and they used that same amount that I paid last year for only half the year for this years taxes which were for a whole year. So now I need to pay {$2900.00} extra or add more to my monthly mortgage payment. They claim it was n't their fault and that the taxes increased but that is not the case the taxes are exactly the same all that changed is instead of only paying for 6 months we paid for a full 12 months. USAA also tried to sell my mortgage off only 2 weeks after we signed it. Something needs to be done about their shady business. They are supposed to help veterans and their families but all they do is cause grief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a XX/XX/XXXX card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a XXXX account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact XXXX. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a farm loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from XXXX in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted XXXX to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks

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 01-12-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Since being under Caliber Home Loans, they have never paid my taxes on time. They 've had every excuse in the book. I am tired of getting delinquent notices from my tax office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/14/2017 about Debt collection (Medical debt) with Stillman Law Office (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The XXXX XXXX XXXX, XXXX, at XXXX XXXX, XXXX, ME XXXX, telephone number ( XXXX ) XXXX claims that I owe them {$370.00} for medical services that I received at Doctor 's Hospital in XXXX, Maryland. They claim the service date was XX/XX/16. My name is XXXX XXXX XXXX, patient account number is # XXXX. The provider 's name is XXXX XXXX. Back on XX/XX/XXXX, I contacted their office and I explained that I have Veteran 's health insurance which is my primary health insurance and XXXX which is my secondary health insurance therefore ; they would need to send the claim to the right one! They stated that they would take me to court. Now, this is the only provider that is claiming that he has not been paid. To my knowledge this debt has been paid or the claim was not sent to the right health insurance. So, I just received yesterday a letter from Schlee & Stillman , LLC, Attorneys at Law, XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. The telephone number XXXX. This company is claiming that they are the debt collections company trying to collect this alleged non paid debt. I contacted them yesterday by telephone to inform them of the matter and I was told I need to provide them with information over the telephone that I was not comfortable with providing. Moreover, the letter is dated XXXX XXXX XXXX, and it claims I only had 30 days to dispute the debt! But I just received the letter yesterday on XXXX XXXX XXXX. Therefore, this must be some type of scam or fraudulent company that I respectfully request that you use the law to arrest and prosecute them. If you need any additional information from me please let me know. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (I do not know) with National Credit Systems,Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a collection on my report for an apartment that i did not live in. The information reported is affecting my credit score negatively.I have never lived in this apartment. I contacted the agency, they have no record of me and its still on my credit report. I want the company to provide, my signed signature an documents for this apartment. If they can not provide me with this info, i want this removed from my credit report at XXXX, XXXX, and XXXX immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
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: In XX/XX/XXXX there was a bankruptcy filed. Once the bankruptcy discharged there was a huge amount of issues on my credit report. There were accounts that were included that should not have been. The bankruptcy court contact information was inaccurate, the amounts, phone numbers and case numbers. I sent letters to the credit bureaus in XX/XX/XXXX andXX/XX/XXXX to correct or update the information. None of the three credit bureaus updated the information nor removed the bankruptcy. I sent credit report dispute letters certified mail to both XXXX and Transunion on the XX/XX/XXXX. They were both received on XX/XX/XXXX. I followed up with both of them and XXXX  also completed a phone dispute as well. I received an alert response onXX/XX/XXXX. I called XXXX  in regards to the bankruptcy dispute. The agent notified me that it was confirmed and updated. I asked whom did they contact to confirm the bankruptcy information? The agent advised me that they used a third party system and did not want to provide me with the system. I advised them that I have access to systems as an XXXX and that I did not see any documentation either. I also explained the agent that according to the FCRA Act that the credit bureaus would need to update the correct information or remove the bankruptcy. I have also disputed accounts that were inaccurate along with huge amount of inquiries that were not authorized. I have reached out to all three credit bureaus and this issue still has not been resolved. I am a military service member and I should not have to constantly deal with these issues.

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 02-05-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Struggling to pay mortgage

Complaint: I filed a complaint with your organization against my lender Nationstar/Mr. Cooper a few months ago. I was hopeful that Nationstar would understand my situation and agree to work with me towards a modified mortgage loan. Instead, Nationstar/Mr. Cooper has refused to negotiate and is claiming that there are no options for me other than deed in lieu or short sale. they are claiming this is due to the fact that the " investor '' only allows one loan modification over the 30 year life of the loan. Nationstar has not provided the name of the investor. they have not provided a copy of the pooling and servicing agreement. They have not provided documentation on the other loans in this tranche. This was a subprime loan with an interest rate that STARTED at 9.37 % and was written by XXXX. I would be ASTONISHED if this investor truly only allowed one modification per life of loan, because this was a toxic pool of loans that were adjustable with high interest rates. I am certain there have been multiple defaults and also many instances where there were multiple modifications. This appears to be an attempt by Nationstar/Mr. Cooper to obstruct me from access to government and internal programs that should be made available to homeowners in my situation. 

We encountered a true hardship in XX/XX/XXXX. My mother fell gravely ill and I had to travel to the XXXX XXXX to care for her. I was not able to work for several months while caring for her until she XXXX. Right when I returned my wife was laid off of her job so were financially strapped and that's when we fell behind. We attempted to work something out with Nationstar and could not make any progress. We hired a third party to help us and they did nothing. Several months ago we reached out to Nationstar to try and get them to complete a review because we have had a change in our financial circumstances. Nationstar ignored us, so we filed complaints and got their attention. However, even after doing that they refused to review this information. We are both working and have our adult children living with us who are contributing. I don't understand why they won't look at our information. Nationstar is claiming it is because we received a past modification and that the investor does not allow a second modification. I do not recall receiving a modification in XX/XX/XXXX. I do not recall an offer for a reduced interest rate and reduced payment. We were told on the phone that it looked good to qualify, but then on a future call that person was no longer working there and they told us no, it did not look like that option would be available. 

We need Nationstar to stop playing games and to postpone the upcoming sale date and actually conduct a review based on our current and correct financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (FL).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX XXXX from a well known nationwide dealership and because I needed financing American Credit Acceptance agreed to be the lender. While attempting to make the first XXXX payments online and over the phone the aforementioned lender had major difficulty processing a credit card payment. It literally took XXXX phone calls for XXXX payment to be processed. Several days after going through similar issues with the second payment, I received several calls and voice messages the week of XXXX XXXX from American Credit Acceptance. I returned the call just to be told by one of their reps that the company no longer accepts credit cards as a payment option. Is this legal? What 's my recourse, if any? Can a merchant in the U.S. all of a sudden stop taking credit cards? Can the consumer be forced into using payment options such as XXXX XXXX and XXXX XXXX? I use my XXXX XXXX XXXX XXXX XXXX for the points/rewards and it 's the only credit card I own. If they ca n't accept credit cards then I prefer not doing business with this organization. Please Advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Closing/Cancelling account

Complaint: Received notice of account closure - no reason provided until I contacted them. Account was closed due to " non-use ''. I had not used the account in 24 months so they closed the account ; which would have been OK had they given me notice. Citi has now done this to XXXX of my cards in two weeks for non use resulting a {$22000.00} decrease in my credit. This will have a negative impact on my score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with QUICKEN LOANS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX Quicken loan performed a hard inquire without my knowledge or consent. Please either provide evidence of my written or oral approval or please remove as this unauthorized hard inquiry has negatively impacted my overall credit standing and score As you are aware : " Hard inquiries ( also known as hard pulls ) generally occur when a financial institution, such as a lender or credit card issuer, checks your credit when making a lending decision. They commonly take place when you apply for a mortgage, loan or credit card, and you typically have to authorize them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/1968 ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS XXXX. Old address on page MUST BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE ON MY REPORT. 

BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER TOWER FED XXXX XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA.

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 08/15/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I have two accounts with Synchrony Bank for credit cards with Banana Republic and Belk Department Store. In XX/XX/XXXX, both of these accounts were paid in full and I have not received any further correspondence from the " Bank '' since these payments were made until XX/XX/XXXX. I received 2 letters ( 1 for each account ) stating my accounts have been closed due to " serious delinquency '' and such has been reported to XXXX. I tried speaking with a representative with the bank to discuss this reporting and they refused to assist me. I contacted XXXX and they agreed to open a dispute but informed me that most likely nothing would come out of the dispute. I feel that I am being punished for a delinquency that happened more than a year ago and on accounts that have been paid off for nearly a year. I can understand reporting delinquency if it has recently occurred or is still occurring but not on accounts that have XXXX balances since XX/XX/XXXX. I also believe that this type of incorrect reporting could pose a problem receiving future credit and could impede on my ability to seek employment in the financial industry, for which I am currently applying.

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 02-01-2018 about Debt collection (I do not know) with ECMC Group, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2018 ECMC, Educational Credit Management Corporation, website XXXX XXXX XXXX sent a letter to my workplace requesting my wages be garnished. 

The ONLY information for the debtor they had that matched any of mine was a first and last name. Not even my middle initial matched the information they had, and yet they had the nerve to send a letter to my employer. 

Luckily the person at my work handling this knows me and let them know right away this was not the right person they were looking for, but they are obviously just fishing on websites for names and not doing due diligence to ensure the person they are targeting is correct and my wages could have been garnished for a debt I had nothing to do with.

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