milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (ND).
Issue: Other transaction issues

Complaint: On XXXX/XXXX/2016 I sent {$300.00} plus a {$10.00} service fee through my savings account at XXXX Bank to Western Union via online. I was to receive an email with the tracking # but no email arrived. I did not have a tracking # and when my son went to pick up the money he was unable to get it. Online at both my bank and Western Union ( using my cell phone # at WU ) I was informed the money was transferred from my account and was at WU. I went online to WU and after 2 hours online and on the phone the rep told me they would resend the email with the tracking # within 24 hours. An email again did n't arrive and on XXXX/XXXX/2016 I called WU again. I was told they never resend an email but they could refund my money and I could resend the money again. After being on the phone for 30 minutes the rep said he had to transfer the call so I could get a tracking # for the refund. I spent another 1/2hr on the phone to finally be told WU can not refund the money and I would have to do that thru my bank. I finally resolved my issue by calling my bank. WU lied to me from the beginning about everything. If I had n't pursued thru my bank they would have kept my money. Their reps do not speak good XXXX and lie to the consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I would like to dispute that I closed and paid off my XXXX account a long time ago. I went into the branch to make sure my account was paid in full and in good standing more than several times to make sure XXXX did their job right, as i have had several issues and/or problems with XXXX charging my account for equipment i did not have and etc. When i recently applied for a loan, they advised me i have a balance of {$350.00} on my credit report from XXXX Which caught me by complete surprise! That is incorrect reporting to my credit report because I have made ALL of payments that I owe years ago. I do not owe anything else other than what i paid already! XXXX has made so many mistakes in charging my account, i 've had to go and have them correct the mistakes often. Today my daughter & I called the XXXX number to have this all corrected, we were transferred more than three times. We spoke to three different associates advising me, one said I owe for early termination fees, one said I owe for equipment not returned and another who said she could n't reference the old account, but said she was talking and/or chatting with customer services said i owe for services rendered. Seems as though none of the associates knew & understood their products and services in doing their jobs. This has been a really stressful process to get this rectified. I feel like they are taking advantage of the senior citizens. ( me ) everyday. I am not going to pay for services that was not provided to me! I cancelled the XXXX services a long time ago, that should have been the end of that. I paid everything owed to XXXX why do they still show i have a balance? XXXX has the worst customer service. This needs to be corrected asap!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted Experian credit bureau in writing. In my letter, I requested for Experian to release to me the furnisher who has reported a judgment against me. Prior to contacting Experian, I had contacted the court house listed on my Experian credit report and they could not find or verify anything under my name. I just want Experian to tell me where they are getting this information from so I know what my next step will be to getting this false item removed from my Experian credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Nationstar Mortgage , LLC is a debt collector. Nationstar Mortgage , LLC did not send any notice to my husband or to me regarding the alleged debt. Neither my husband nor I have ever received any communication from Nationstar Mortgage , LLC under the FDCPA section 809. We are disputing the debt in it 's entirety and require a copy of any judgement, as well as a verification of the debt, which would include the name, address and telephone of the original secured lender. My rights as a consumer have been violated and under the Gramm-Leach-Bliley Act, my privacy rights and information have been breached by Nationstar Mortgage , LLC.

Company response to consumer: Closed
Consumer complaint received 02-05-2017 about Credit reporting () with Accurate Background (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Through the assistance of the CFPB Accurate background finally responded. I responded to there re-investigation but have received no acknowledgement and / or action. Sent my letter certified as confirmation that they received it.

Company response to consumer: Closed
Consumer complaint received 07/16/2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Advertising and marketing

Complaint: I was sent a solicitation from Chase Cardmember Services to apply for a Mileage Plus VISA in XXXX 2015. The solicitation offered a XXXX mile {$0.00} fee first year and some additional inducements to apply and make charges of {$3000.00} within first 3 months. I applied via the website and was approved shortly thereafter. 

When I called to activate the card, I reviewed the offer and found they bait and switched me to a XXXX mile with {$1000.00} in first 3 months offer. I said, no, I responded, landed on page and applied under the XXXX mile offer which they initiated. The agent I spoke to said " I will put you in for the offer, must have been a mistake '' Now, I receive a letter which said the " offer '' ended XXXX XXXX, 2015. This is a classic and habitual bait and switch. Probably hope that no one would complain but I 've been in this situation before. How could their " XXXX offer '' which I received and sent end on XXXX XXXX, 2015? Why did they not notify, sorry this is not accurate when applying. I demand they honor their initial offer, this is very shady practices and should be noted as a possible habitual offense. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2015 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: I have power of attorney and am a co-signer on my mother 's checking and savings account. My mother gets a monthly dividend check, I have always deposited these checks in person to my mother 's account, the check is made out to her. I never had a problem in XXXX, XXXX or XXXX XXXX until I moved to XXXX, XXXX. The Asst Mgr of the XXXX, XXXX, XXXX branch said that I could n't do this. When I told him I had been doing it for years, he adamantly said no, you ca n't do this. No adequate explanation was given. ( I believe his name is XXXX XXXX ) When I said I could go across the street and do this and made one more attempt by asking him to look up the history of deposits. My mother is in assisted living and ca n't easily go to the bank. He then said okay, I asked why he could grant it then, and why could n't he grant it before? Again, I am a co-signer and also have power of attorney on record with Chase. 

I had this savings account up for my mother for this very reason, now they 're telling me I ca n't deposit any moneys into my mother 's account, even though I have power of attorney and am a co-signor.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Payday loan) with BTH Management (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Plaza Services apparently purchased this debt from a payday lender. They have never attempted to contact me to collect this debt, so I never had an opportunity to dispute it before it showed up on my credit report. I do not have any outstanding balances with any payday loan companies. I have also submitted a letter to Plaza Services requesting validation under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (IL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: The billing information for my promotional balance of my credit card was not provided via the account webpage that purported to contain all of my account information resulting in me being charged {$400.00} in interest that could have been avoided had I been provided with the same information provided in billing statements. I signed up for paperless billing and I am directed to the homepage of my profile each month to make my monthly payment. I do not see the " paper statement '' that is sent nor am I prompted to review said statement prior to making my payment. Instead, I visit my account home page that contains my transaction history, payment information, due date, etc. I also look for messages regarding my account in the electronic messaging system. To my surprise, having received no notice via the messaging system or my account homepage, I have been charged over {$400.00} in interest because of promotional balances that have allegedly not been paid off. I did not receive anything electronically notifying me that the expiration period was upcoming or that I risked being charged these amounts. Had I known of these issues, including the fact that there was remaining balance on the promotional amounts, I would have made sufficient payments to avoid these interest payments. It is disingenuous that the homepage purports to represent pertinent account information, but this issue is hidden in a statement that requires to be downloaded. This information should be readily available on the account homepage as is all other important account information. It should be far harder to find what my XXXX Rewards balance is than to find information that exposes me to {$400.00} plus in interest. <P/>The failure of the resolution of this matter has led my account be over the limit and the cardholder closing my account without notice.

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this 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 01/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Nevient is my lender.. I have made many attempts with income base and still being to high to a level I am unable to pay. I never get notice to renew. They factor my overtime which I am not always guaranteed. This causes me to continually place my account in forbarnces. Customer service is never any help. I want to pay back however, they are not making it easy to do so causing my interest to increase. They also are not helpful with getting me enrolled into loan forgiveness as I work for civil service.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I will be attaching my last dispute to communicate best with you what 's going on. However, my main issue is with the XXXX Texas Tolltag Authority. My main XXXX complaints are 1 ) The fees they charge ( {$25.00} per invoice ) are incredibly exhorbatant and 2 ) Their billing makes no sense. They retroactively send invoices for 3+ years in the past with {$25.00} fees attached, having never sent invoices prior, then refuse to remove the fees. I recently received a bill for the first time for {$120.00}, for only {$21.00} worth of actual tolls, from XX/XX/XXXX, having never seen it. Please read the attached dispute to more accurately get a sense of the lengths I have gone to get verification on my debt. My main concern is that there is absolutely no governing body that makes sure the NTTA is within any type of fair billing practices. There is no one to go to when you dispute the charges. They hold you hostage for as long as they like with bills from the past and then if you do n't pay it, threaten with arrest. I have spoken with lawyers who refuse to take my case because " there is no point in fighting with the NTTA. '' I have spoken with so many people who have the same issue but have no where to turn. Someone has to be there for us, to impose some type of rules on them. Their billing has to make more sense, there has to be some type of rules that govern how they can collect and how far back they can go. I just do n't understand how this entity gets away with this and no one questions them. I have paid over {$2500.00} to them for tolls and received another packet for {$12000.00}, only {$1000.00} of it is for tolls. FROM AS FAR BACK AS XX/XX/XXXX! Someone please has to help us Texans, it 's ridiculous.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 03/20/2015 about Debt collection (I do not know) with National Credit Adjusters, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is a company out of Kansas that is calling my employer with a local number. They have been asked numerous times not to call me and work however they refuse to stop. I received a call today from XXXX XXXX who I asked not to call me at work and released the call.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Due to the fact that my choice above on why this is a false statement case if not above for me to choose. I have to explain my case here below. and I am just picking one so I can file this case.I file a case with the CFPB in XX/XX/2016 case number ( XXXX ) on Account Resolution Services. They replied back that they are registered and bonded by the State of Texas to collect debt. That is a false statement that they reported on my credit report. I have the proof that they are not in legal standing with the State of Texas they should be removed from my credit report. On the grounds of Services 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.

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 09/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had XXXX for my lender and then everything was sold to Navient. After I consolidated my loans over 1 year ago, Navient was supposed to update my credit report showing the reflected changes, they failed to do so. I called and the rep there told me that I had to send a request letter for them to update the bureaus all XXXX I did send the letter and then I called a few days ago and they said I also had to include a copy of my credit report. I am uncomfortable sending them this information and asked why they can not just report the correct information as it is showing I owe more than I actually do and it is financially hurting me. The rep hung up on me. I also asked if they can remove the XXXX loans as they closed XX/XX/2008 and she said they had no affiliation with XXXX, but when I call the number to XXXX listed on my credit report it goes to Navient. All I am asking is that they do as they are supposed to and update the credit reporting agencys with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (OH).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX I purchased a XXXX from XX/XX/XXXX. Our credit was pretty bad at the time, and foolishly we signed for a high interest loan on this car. We have paid $ XXXX since the purchase date. Payoff right now is {$20000.00} plus on an {$18000.00} car! Not one dime has went toward the interest. Every cent has been going to the interest. They refuse to let me talk to someone to tell me why, and make excuses for why it is all interest. There is no possible way to get out from under this loan, or even come close to paying it off. We have had probably 20 car loans during the course of mine and spouses lifetime. NEVER have we ever had a loan where the principal continues to grow, no matter if we were late, early or on time! Please help us!

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 05/18/2015 about Debt collection (Medical) with Herbert P. Sears Co., Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted the FTC in regards to a credit reporting which I disputed, FTC was able to get it removed from my credit report, my credit report confirmed the removal, and now it 's back. Under HP sears for XXXX in the amount of XXXX, I want it removed again, I 'm disputing this claim as well.and is this legal for them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX, 2016 at XXXX I was solicited to open a credit card account at Nordstrom Department Store . The account was opened and my purchases of {$3400.00} were approved. On XXXX XXXX, 2016 around XXXX I checked my credit report. To my dismay I discovered my credit score dropped drastically. My newly opened Nordstrom account is 244 % or {$2400.00} over the credit limit. How can I be approved for this purchase and my credit damaged by opening a Nordstom account and using it without any knowledge of my credit limit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2015 about Credit card () with DISCOVER BANK (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received an email yesterday about purchases made on the XXXX and the XXXX of XXXX about fraudulent charges on my credit card. I called Discover and they went over what charges occurred, and said I had XXXX liability but I should file a report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: There was wrongful foreclosure sale on my property ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX, XXXX, XXXX XXXX, XXXX, acted as the debt collector in this foreclosure. Ocwen Loan Servicing was servicing the loan, but are not the owners of the debt. Correspondence was sent to Ocwen Loan Servicing demanding validation for the debt. Ocwen Loan Servicing sent paperwork trying to validate the mortgage on the home, but was unable to validate the debt. Also the transfer or Assignment of Deed has signs of " robo-signing '' as well as incorrect information. Transfer of the mortgage has not been done correctly nor has the mortgage company validated the debt. Also there is an Affidavit of Fraud done that never got answered.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company is refusing to take just one contractual payment and our loan is not in a foreclosure status. We have filed for assistance because we are going through a financial hardship, but they have denied that. We have advised them that all we can do right now is make monthly payments until we 're able to catch up but they are refusing to do so. They wo n't accept a payment from us unless we schedule two payments within the same month.

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 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had some inquiries fall off but were reinserted and I never recieved a 5 day violation which is a FCRA violation. I have contacted Transunion and they have given me no resolution. The inquiries are as follows. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX- XX/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