milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2015 about Money transfers (International money transfer) with TD BANK US HOLDING COMPANY (NY).
Issue: Other transaction issues

Complaint: I sent money to the bank XXXX XXXX XXXX in XXXX to buy a house with XXXX XXXX in XXXX. The date of this international wire transfer was XX/XX/XXXX. This company/Realty Agency, XXXX XXXX, said that they received the money of {$130000.00} ( in XXXX XXXX ) on XX/XX/XXXX, but they returned that amount to me on XXXX. The reason for the Return/Devolucin was : they wanted me to send it again to another account ( the one that I opened in XXXX as a XXXX ). I am an American citizen and the bank from were I did the international wire transfer on XX/XX/XXXX is TD Bank. 

I have no way to know for sure if what the Realty Agency XXXX ( represented by XXXX ) says is true. I have a letter from them, but how can I tell if this document is real? According to XXXX, the return of the money ( XXXX ) really happened, but the bank XXXX in XXXX, XXXX, ca n't tell her were it is. The bank XXXX ca n't trace it have not been very helpful in this matter. For this same reason, XXXX, from the XXXX XXXX, ca n't give me any information and certainty about date when I will get the money of the Return. Direct Consequence of this, I ca n't go to XXXX for the closing of the house. 

Here some information of the bank in XXXX, XXXX and in regards to the recipients account in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; Recipient 's Account : XXXX ) I called to XXXX in XXXX, XXXX, today XX/XX/XXXX, because I started to feel very nervous ( You never know if the people involved in this transaction can be involved in some criminal activity. I hope not, but ... ) I told to the XXXX bank in XXXX that I was a customer and that I have a document Letter of Return/XXXX to see if I could trace the money. They said to me that they ca n't do a trace. I try every kind of argument ; I try to find more help, such as finding an office from the bank XXXX in XXXX that deals with urgent matters like mine, or with an untraceable international wire transfer. 

In the other hand, here in NY, after XXXX attempts with the TD Bank from XXXX, from were I did the transfer on XX/XX/XXXX, I decided to go to a different TD Bank, XXXX close to my job in XXXX. I went today XX/XX/XXXX to the TD Bank in XXXX XXXX and XXXX XXXX. Finally, on my XXXX attempt trying to get some hope and information, this branch in XXXX were able to do a Request and investigation regarding this international wire transfer ( XX/XX/XXXX ) and possibly about the Return of that sume of {$130000.00} ( XX/XX/XXXX ). The people who helped me are XXXX XXXX and XXXX ( XXXX XXXX XXXX ). The information related to the request of investigation to trace the money is : XXXX ; XXXX XXXX is in charge of this case. Here phone XXXX ) Both banks CA N'T TELL ME RIGHT NOW WHERE THE MONEY IS. PLEASE, HELP ME TRACING IT IN CASE SOMETHING CRIMINAL IS HAPPENING WITH REALTY COMPANY, XXXX XXXX in XXXX, XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Deposits and withdrawals

Complaint: I have XXXX credit cards, a personal checking account and a business account with Navy Federal. My credit card had fallen a little behind due to loss of employment. I started working in XXXX XXXX and had spoken to representatives serval time regarding my credit card accounts. My rent was due, I had recently received an eviction letter from my rental company. My check was direct deposited into my Navy Federal checking account. However when I went online to check to make sure that I had enough money to cover my rent, I noticed that there was {$520.00} missing out of my account. I called Navy Federal to find out what my money was gone, I was told that the money was transferred to my credit card. I begged them to return the money, but I was told the money could not be returned. I advised them that I would be evicted, and my child would not have a place to live. I was denied my money. Then XXXX XXXX, XXXX, again I had my rent money in the account and Navy Federal took it upon themselves to take money from me again and placed it to the credit card again. This should not be allowed to happen. No financial institution should have the authority to take someones money at will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I SENT THE CREDIT BUREAUS MY POLICE REPORT ON THE FRAUDULENT ACCOUNTS, XXXX, XXXX XXXX, AND XXXX XXXX. THEY HAVE NOT REMOVE THESE FRAUDULENT ACCOUNTS FROM MY NAME. THIS IS A VIOLATION OF MY RIGHTS FOR ME TO PROVE THE FRAUD AND FOR THE CREDIT BUREAUS NOT TO DO ANYTHING ABOUT IT.

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Chase mortgage company is reporting account incorrectly. The account info ... mortgage number and balance is inaccurate, and the status is showing 120 plus days late. Someone else 's account. My mortgage was always current and is now paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: I trade in XXXX Nissan Atlima for purchase of XXXX Nissan Altima. Sale was finalized XX/XX/XXXX. As of today XX/XX/XXXX XXXX Atlima payoff loan has not been paid to XXXX XXXX XXXX. The payoff amount {$23000.00} which include trade in value XXXX negative equity of XXXX that was financed with new car loan. 

XX/XX/XXXX I was told check had been process and received by XXXX XXXX XXXX. 

XX/XX/XXXX went to Texas XXXX XXXX XXXX and I talked with XXXX in fiance . I asked XXXX, if XXXX Nissan Atlima payoff loan had been paid to XXXX XXXX XXXX XXXX because I received phone call regarding XX/XX/XXXX payement. XXXX stated, " he could n't answer that question because accounting was closed, that he would give me a call on XX/XX/XXXX regarding payoff ''. 

XXXX did n't call me until I called him and left messages. When XXXX return phone called, XXXX stated ; " that check was processed and receive by XXXX XXXX XXXX XX/XX/XXXX ''. 

XX/XX/XXXX returned to Texas XXXX XXXX XXXX regarding check being paid to XXXX XXXX XXXX for payoff amount of XXXX Nissan Altima because I received another call about XXXX payment from American Credit Acceptance. 

On XX/XX/XXXX I talk with XXXX in fiance he research some information, printed off some paperwork. XXXX then stated ; " he would contact accounting on Monday XX/XX/XXXX and give me a call. 

XX/XX/XXXX XXXX returned my phone, " stated that check had been processed and receive by XXXX XXXX XXXX XX/XX/XXXX '' for me to call XXXX XXXX XXXX to see why payment had not been process and applied to my account. 

XX/XX/XXXX I called XXXX XXXX XXXX regarding payment history update. Of course, I was told No check has been received from Nissan Motor Acceptance/Texas XXXX XXXX XXXX. 

I had been told different information regarding payoff for traded-in XXXX from personnel of Texas XXXX XXXX XXXX. This is very unprofessional business from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: It is important to note, my loan officer company is   XXXX   XXXX   XXXX    XXXX  is a different firm managing my loan payments.
I have received in mid  XX/XX/XXXX  attached statement "  XXXX  '' from loan officer su.
In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is  XXXX .
In addition, in that statement, you can see actual payment on   XXXX   as accounted for and it clearly stated that i overpayed the year of  XXXX  and it included a check of  XXXX  $ made to me to pay for the surplus i paid.
I was preparing to make my  XXXX  payment as usual. but after this letter, i checked  XXXX  website and deducted no payment is required.
No emails nor phone calls nor mails were received from neither firms until   XXXX   XXXX  etter attached which was received in XX/XX/XXXX  stating that i was actually late.
Before i even knew, I went to   XXXX    lat e  XXXX  to pay for   XXXX   and realized the issue and paid for both  XXXX  and  XXXX .
that day spent hours on   XXXX   XXXX  , i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed.
Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared.
However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake.
This company been redirecting me from one department to another and today i was redirected to a fake email  XXXX  They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month.
despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified.
I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing.
Regards,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I have a currently have to collection accounts listed on my credit report by a debt collection agency First Federal credit control on behalf of XXXX XXXX XXXX XXXX, in the amount of XXXX and another amount of XXXX. First Federal Credit control is not license in the state of Florida and therefore I am disputing this collection account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have a CRA billing and payment problem with Chase Amazon Card # XXXX issued to me, XXXX XXXX. Chase notified XXXX only that I paid my bill " more than thirty days late in ithe XX/XX/XXXXbilling cycle. As a result, I had my perfect payment record destroyed and two creditors closed their credit accounts! Chase made a mistake. Under FCRA rules, Chase Card must mail me a statement each month so I know how much I owe. they did not mail me any statement. Chase claims to have sent electronic statements but, I did not receive any. Since last XX/XX/XXXX, I have been treated for XXXX and in the hospital. I do not see any computer statements at all. Under Federal and NYS consumer safety rules, I am not liable for any debt that is not mailed to me timely each month. However, I did pay the bill due during the XX/XX/XXXX ( attached ) statement cycle. I called up on XX/XX/XXXX and made a payment for {$210.00} by phone with Chase. However, Chase did not attempt to collect this check by phone. Chase just returned the check after making one attempt to collect it on XX/XX/XXXX. Federal and state consumer laws prohibit creditors from punishing consumers until they have collected the check at least twice. A check in NY is not considered NSF until it has been returned three times. Just to make sure I did make the payment, I called up and asked why the check was returned. Chase advised me to speak with a manager. I asked the manager on XXXX XXXX to accept a check for two payments for {$480.00} so the XXXX and XXXX cycles were paid. Please know the manager at Chase agreed to manually apply the {$210.00} due on XXXX XXXX and apply the balance due for XXXX XXXX cycle for {$270.00}. SO CHASE GOT THEIR MONEY AND THE STATEMENT PROVES THAT. The XXXX XXXX attached statement shows that I paid {$210.00} on XXXX XXXX. The XXXX XXXX attached statement shows that I paid {$500.00} which covered two months of payments. Please remove the creditor statement that states " more than 30 days late '' on the XXXX Credit Report for Chase Amazon Card # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: My car loan was sold to Santander Consumer USA ( acc # XXXX ) in XXXX XXXX. I was subsequently laid off and fell behind in my payments then asked all my creditors including Santander for some temporary help until I can be re employed, this occurred around XXXX XXXX. Santander decided to place the past due payments at the end of the contract, to which I agreed. However apparently the very payment which was then due was not included unknown to me. For three years I was billed a late fee which averaged approximately {$24.00} monthly. After I realized what was happening I contacted Santander to seek relief and the reason why that payment was not included in the verbal agreement. None of the agents I spoke to were willing to help, I finally wrote Santander but I have gotten no response. I find it ridiculous that they would do something like this as why this payment could not have been included. I have continued to pay my loan every month since while the unjust late fees continue to accumulate to approximately over {$900.00}. I seek help in getting this late fee overturned. I am a pensioner and live on a fixed income and do not have the money to satisfy Santander 's greed. I was advised to contact you for a resolution. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX 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 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 01-09-2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to Experian Credit Bureau three times. And I received investigation results letter by mail and Experian still refused to deleted inaccurate on my credit report.

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 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stole my personal information and identity. I am a victim of identity theft. The following unauthorized and fraudulent accounts do not belong to me : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : 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, 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 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian claimed it was mailed to me on XXXX XXXX It has been over 2 months since I requested it..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2016 about Debt collection (I do not know) with Alpha Recovery Corp (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They are calling me everyday about family member debt.

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 05-09-2016 about Debt collection (Credit card) with Machol & Johannes, LLC (UT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Dear XXXX I am responding to your contact about a debt you are trying to collect. You have identified the debt as " XXXX XXXX Bank, XXXX ". I received your notice via my land lord __________, the notice was not in a seal envelope, and was given to a XXXX Veteran who has XXXX and is confined to a small living area above my basement conversion apartment that I rent and use when in Utah. I am not sure on the date received or how long he had it on his coffee table. It was upsetting to him and I like my personal business mine. ______ said a man in a truck banged on the door and handed it to him when he finally was able to get to the front door and open it. I will protest this method of delivery. XXXX XXXX XXXX XXXX ] XXXX ( b ) " Illegally inform a third party about your alleged debt '' Unless you have expressly given permission, collectors are not allowed to inform anyone about your debt except : Your attorney The creditor The creditor 's attorney A credit reporting agency Your spouse your parent ( if you are a minor ) [ XXXX XXXX XXXX ] XXXX ( b ) How long do I have to respond? Utah Rules of Civil Procedure require that a response be made within 21 days of service. The 21 days begins the day after you were served the Summons and Complaint. Weekends and holidays are included, but if day XXXX is a holiday or weekend then the response will be due the following weekday.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Consumer Loan (Installment loan) with JPMORGAN CHASE & CO. (FL).
Issue: Managing the loan or lease

Complaint: Chase requested that I pay them for a delinquent credit card account. I asked for them to validate the account but they were not able to do so. Since they could not validate the account I requested they remove it from my credit file and not contact me any longer. They left it on my credit file and wrote the debt off sending me a XXXX to file with my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Debt collection (Auto debt) with MAS Financial Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls twice a day with a recorded message that says " my loan with MAS financial is in default, press 1 to speak to a representative. '' I push 1 and it transfers me to a " disconnected or no longer in service number. '' I call the company direct and the robocalls aka automated calls from an auto-dialer still continue even tho I've talked to them. And I've told them a number of times that the robot calls continue twice a day everyday and they said there is nothing they can do about it. I filed a complaint with the XXXX  which is doing nothing with the robocalls. Also I have asked like 10 times if not more to get a statement with the amount and how they arrived at that amount and they have yet to procure one, they did send me a letter saying that the insurance only covered part of it and that this amount is what is left. I am not accepting it. i would like to see everything the original loan amount minus down payment, and for the love of XXXX I doubt it was applied as I was told by the dealer that no finance company will not finance anyone without a down payment. So where did it go? The dealership took the {$1000.00} was the 100 % profit for them? I was lead to believe that the finance company got that money. Plus I wan na see the payments and interest that was applied as well as any fees. I want it broken down. Do I have to send them an XXXX spreadsheet to fill out? I thought this was a professional company. Obviously not. They did say something along the line of well why didn't I have gap insurance? I told them I asked about it and was told I didn't need it and that they didn't offer it, and they didn't know who did offer it or where to get it. I was told that finance companies are the ones to offer it, it was a requirement for the last car I bought and the finance company offered it and included it with the payment.

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 Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was in school at XXXX University at XXXX during the XX/XX/2015. Despite being in school, Navient has reported my account to the credit bureau as late. They have received proof from the University to show my half-time enrollment. My loan was supposed to be in forbearance

Company response to consumer: Closed with monetary relief