milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction issues

Complaint: Western Union is a horrible. This was done via website. I was declined twice for a small amount of about XXXX money transfer united states to vietnam. 1 ) declined using credit card cash advance method. I verify that my cc issuer did not decline this. It was declined after they called me and asked a few personal questions which i answered. 2 ) declined using WU pay. i paid upfront through bill pay service of my bank. After the funds cleared they decide to call me and basically ask the same personal questions. after a 20minute conversation, they decide to decline my transaction. no reason given on both occasions. i will never use western union again and they will always get negative reviews to anyone who will ask my opinion. 1 ) no money could have exchanged hands if these questions were asked during the creation process of this money transfer. 2 ) refund of wu pay takes 7-10 business days and i never received notification of this transaction being declined by phone.. i had to call back and ask. I still have not received notification of transaction being declined. now there is {$300.00} pending 7-10 business days for a transaction that took me 1 business day to clear. I asked why? they mentioned international transaction, which i think is a load of XXXX. the money should not have went so far, only to the bill pay address of a XXXX XXXX XXXX ohio ... and this is an electronic transaction.. bottom line, all of this is a waste of time leaving me the consumer having funds witheld due to westerns union 's erroneous policies. First of all, i did not even know there was an approval process to send my own money to a person i know. Secondly, what was the purpose of asking question and then declining on my behalf??? ridiculous..Now that i know this, i realize how stupid there transfer process is. All of this could have been prevented if the approval process was plainly stated before creating the transfer. In other words, the questions that they asked me, why could n't they ask me before i handed over my credit card and paid via bank bill pay? this is load of XXXX and a huge waste of time. i will find services elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: I made a payment of {$900.00} on   XXXX   I expected the money to be accessible by  XXXX . I checked my card the balance on the card reflected my payment but the available funds were {$0.00}. I called and I asked what I could do about it. The first person I spoke to told me that my payment would n't be available until Tuesday because my payment was too large and that I had to wait until my bank confirmed the funds and then once the bank did that I could call them back. I told them that I payed {$1000.00} last month and that went fine. Then, she told me that it was put on hold because my payment from  XXXX  months ago was not completed. As a solution, she recommended applying for an extension of credit online. I asked to speak to a supervisor. This person, a supervisor in the fraud department, told me that it was on a hold and there was nothing they could do about it until the bank clear the funds. I told him I 've had the card for years and it has always worked the same way. I pay, the money, it is available the next day and the payment comes out of my account the day after. Always. Including last month, which was the month after the incomplete payment. I asked to speak to his supervisor or at least someone from a different department, he said he was a supervisor and anyone else I talked would tell me the same thing. He put me on hold and then came back on to tell me that I had  XXXX  incomplete payments over a period of time and that was why my payment was on hold. I told him that it might be the case but what was the cause of the hold in payment now and how could I access my money, or at least part of the payment. He kept repeating himself about when the bank posted the payment and how they could n't do anything until they had confirmation etc. I told him that we were going around in circles and at this point I would like to talk with someone else. He said fine. He put me back on hold. I was transferred to another supervisor in the fraud department. This person went about telling me the same thing as the last  XXXX  people I talked with. I told her that there has been a change in credit card policy from last month to this month and I was n't notified  XXXX  prior nor was I given an option to opt out. She said putting payment on hold that this had always been the policy. I asked why this had never occured before. She said that sometimes they do n't put a hold on the money and that they do n't know about the hold until after the payment has been posted. I asked I could speak with the person who made that decision. She said it was a computer. I asked if I could speak with her supervisor and she said no. I asked if there was anyone else either higher than her or in a different department I could talk to about my payment. She said no. Then I asked that they close my credit card and issue me a refund for my payment.

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. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX  XXXX Account Number XXXX account was never late 30, 60, 90 or 120 days or beyond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Nationastar Mortgage has taken over our home loan as servicer and agreed to do a deed in lieu instead of a foreclosure. Now we are getting the run around after XXXX months of trying to finalize the process, this is still impacting my credit on a monthly basis. No one will give us a direct answer on the status and it is always the same thing that is it is being processed for XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Deposits and withdrawals

Complaint: I had filed a claim on my account back in XXXX because the XXXX had overcharged me when I submitted the claim to the bank it ended up being denied so according to the letter the bank chase wrote that they were responding to the complaint from the XXXX which they received XXXX XXXX 2016 it says that we adjusted your claim and provided XXXX credits because I initially had received a claim credit for XXXX on XXXX XXXX and since the merchant credit the account we adjusted the amount and provided a credit of XXXX on XXXX XXXX they had advised me that on XXXX XXXX they would reverse the credit of XXXX which they had removed and ended up overdrafting my account of XXXX so they made the adjustment from the XXXX claim for XXXX that merchant said they would adjust and then took out the XXXX from the adjustment they made I filed XXXX claim not XXXX upon receipt of speaking with the executive office at Chase the XXXX time all this was explained to me and I said okay I understand what you are saying so then I had a direct deposit that had come in on XXXX XXXX for XXXX and then XXXX which left my account at XXXX so when my account was hit with the direct deposit of XXXX on XXXX it should had put my account up to a positive balance and not a negative one then the claims reps that I spoke to on Thursday night XXXX XXXX and Friday XXXX XXXX said we understand it was done in ERROR you are right should NOT have been re taken out on account they also then advised me I did n't file the XXXX claim the bank did so how do you take another XXXX which you already removed

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient called me at work. Informed the representative not to call me at work and the next day they called to speak to my manager about my debt so he could leave a message for me. He said I would be in later and she stated she wanted to make sure he would leave me a message so she did n't have to call back later.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The original creditor i s Citi/CBNA-  XXXX   Store Card. T he problem i have is that they are reporting incorrect information across my credit report. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. As of right now they are in violation. I am writing to challenge the reporting and compliance of Citi/CBNA. On the  XXXX  report it shows the chargeoff done in  XX/XX/XXXX   , on the   XXXX report it show s that i was in good standing with them during that time. It also has no close date on   XXXX   or   XXXX  . No high balance recorded on  XXXX  or  XXXX . No visible Account number, it is completely blocked out. On  XXXX , it has missing information and no payment history whatsoever.The last Activity on the account is inconsistent across all three credit bureaus. I need this matter resolved.This is unacceptable. I have settled the debt with this creditior and feel this is highly unprofessional for them not to report the correct information. I reached out to them on  XXXX  to have the account removed due to their inconsistencies. They asked that i fax over information of my credit report. I ask they fix and validate what they have on their end or remove this account completely from my credit report. 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 explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with N.A.R., Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I still to this day do n't know what this debt was for but a place called  N.A.R Inc ( I  only know this from seeing it on my credit report ) obtained a judgement against me ( only know thos because of my credit report ) for  XXXX  for what I do n't know??,  XXXX   XXXX ??  Dont  know what position he stands in this. A lawyer, A constable or some guy off  the street  collect on a debt?? On  XXXX   XXXX  he came with  2  others to my house and help up a paper like he had a warrant. He was even wearing some sort of gold star shaped metal on a long chain like a old sheriffs badge. They pushed their way through the door started grabbing my Tv 's,  Computer, VCR  anything worth value and putting prices on them. Writing them down as well. They wrote threatening letters to my father stating there was going to be a constable 's sale at my house on   XXXX   XXXX     to sell all my personal belongings and so My father paid them {$1500.00} on   XXXX   XXXX   triple the amount of what the debt of  XXXX  is on my credit report. My father and Friend recently passed away and I have been helping my mother with finacial records, taxes ect..when Icame across the letter they had sent him I had not seen until now. It pains me to know he paid this because I had told him of them doing a raid for valuables in my house and he was only trying to protect me. Whoever N.A.R is or  XXXX   XXXX  these people never verified the debt, never served me papers and used threats to get my dad to pay 3 times what the judgement was for and to top it off Its still on my credit as a judgement against me paid leaves out the fact he overpaid. Will you please help me find out what this debt was for and can they do that act like police take my stuff then advertise there is going to be a constables sale on paper to the public. I tried to call the number and went by the address on this letter but they do n't exist at least not anymore. I just feel bad my dad paid all that and knowing now that they have to verify the debt and serve. Its eating away at my heart Thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I was advised to contact you because I feel my mortgage company is not treating me fairly. I am paying a XXXX XXXX dollars a month for PMI insurance, and it seems to be very difficult for anyone to help me to get out of paying the PMI. They wo n't speak to me they wo n't give me a contact number, they 're making me put my request in writing which I 've done a couple times now. They are telling me that there 's no way I can get rid of my PMI insurance by using fair market value of my home and then I have to do a major home improvement in order to get rid of my PMI insurance. I am certain that I have enough equity in my house to have the PMI insurance waved however they will not help me get out of that insist that the only way I can is if I invest money into my home as in A major home improvement. I was advised by someone from another financial institution that this does n't seem right I feel I am being trade unfairly, and that maybe you can assist me

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I currently owe XXXX $ XXXX on my home with 22 % made on my principal payment ( $ XXXX home value ) and live in the US. I am currently just past year XXXX of my loan. 

At 20 %, I sent a letter to my lender stating that I would like my PMI removed, which they responded that I would have to have my home assessed to process the removal or it would automatically be removed at 22 % of my principal payment. This aligned with what I had read online and felt sure this would work. 

At 22 %, I was still getting charged for my PMI. I called and asked why it was not auto-removed, and they told me that because my loan was so new ( 3 years ), that the PMI could not be removed until 25 % ; additionally, the PMI would be automatically submitted for removal at the 5 year point ( XXXX 2018 ). They stated that I could send another request letter to remove the PMI prior to then, but there 's no chance it will get approved. 

I was under the impression that Federal Law states that the PMI MUST be removed at 22 % of principal payment. What are my rights as a consumer/borrower and am I getting taken for a ride? What is my best recourse for removing the PMI? Thank you in advance.

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 04/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MN).
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: ( 30 Day Late XX/XX/XXXX ) I transferred a payment using Wells Fargo Online services. When I received a phone call from a Wells Fargo rep stating I was more than 30 days behind, was shocked. I immediately agreed to arrangements to get caught up and was told that a case would be submitted to remove 30 day late. 

I submitted a prior CFPB report and the rep said she solved issue but she was researching to the wrong billing period. I believe she was looking at XX/XX/XXXX which I was not reported as a 30 day to begin with. I was referred to the general card services #. This doesn't resolve the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with LENOX FINANCIAL MORTGAGE CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a technical issue regarding listed borrowers on a XXXX Mortgage interest statement ... ... I 'm aware and comfortable that only one designated ( listed as primary ) borrowers tax id number can be listed on this statement My issue is with Lennox Financial Mortgage Corporation saying they are not allowed to list multiple borrowers under the Payer's/Borrower '' s name ... ..I have previous and current years examples of other lenders listing multiple names on this form

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XXXX 2012 120 days past due as of XXXX 2012 90 days past due as of XXXX 2012 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Credit line increase/decrease

Complaint: At age of XXXX in XX/XX/2004 i opened up credit card account with capital one. Up untill this last year they have been " updating my credit limit '' in order to keep dinging my credit. Im new to understanding my credit score but i do now know that was illegal and horrible for my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Rewards

Complaint: CitiBank closed my Double Cash Credit Card account # XXXX XX/XX/2016 without explanation and refused to respond to my inquires. At the time of account closure, I accumulated {$200.00} in cash back rewards which I can not redeem anymore give my account status. I would like CitiBank to send me a check for the {$200.00} in unredeemed rewards. 

Thanks, 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 10/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have several loans with Navient ( former XXXX XXXX ). I am so thankful to them for helping achieve my dreams of having a XXXX and XXXX XXXX XXXX. However, when I graduated college I could not find a job in my field. Even if I did I would still not be able to pay my over {$900.00} a month student loan repayment. My co-signer who was once a close uncle of mine, is now berated with calls because I can not pay my loans. 
When I was completely honest with the Customer of Advocacy Department they revealed that because my uncle makes enough money he can pay them, and there are no other options. These are not my uncles loans or responsibility. NOR WILL HE PAY THEM. My uncle is currently refusing to speak with me because he hates this situation I have put him in. He is retired, and trying to live out his life as much as possible. I asked what else could I do, I was told you do not have any other option but to pay the monthly amount or it will go to collections. When I ask how much the collection monthly payment would be they could not give me a direct answer. I understand that this is my doing, and my fault but there must be another way to help me. 
I am married, I have a house, I have a child, I am XXXX, and I work full time already, and I have to pay child care. I need to feed my family, and my uncle is not going to help me at all. I am on my own just like I was while going to school. I can not just stop my life to pay these student loans. It is not fair, and unjust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent numerous letters by certified mail to this company requesting validation of this debt. They have ignored every single one of them. I have never received a response to date with any of the information I requested in my correspondence. It is my right to have this debt validated snd they refuse

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with Ashton & Weinberg, Inc. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call from Ashton and Weingberg XXXX and XXXX after having advised them to no longer call me unless they provide written verification of the debt they allege I owe. They have provided no verification and are still calling as of today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation