milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Loans purchased my mortgage in XX/XX/XXXX. I was making payments to them from their online system for XX/XX/XXXX and XX/XX/XXXX of this year with no issue. I set up my XX/XX/XXXX payment to be paid on XX/XX/XXXX, and instead they sent the payment through on XX/XX/XXXX. I contacted them when I noticed they were causing my bank acct to go negative on XX/XX/XXXX. I contacted WF and was told to stop payment at my bank, and gave me a fax number to reimburse the NSF and savings transfer fees. I was then told by them that the payment would go through a few more times and there was nothing they could do to stop it even if it is their fault. My bank sent the transfer back to WF and asked me to contact them to make sure they would n't send it back through. I called WF on XX/XX/XXXX to ensure it would n't go back through and was told that as long as my bank stopped payment it would not come back through. Today XX/XX/XXXX, it was put back through as a retry. I again contacted my bank who will return it, but will only do so if it makes the account go into a negative status, which is the case this time. I called WF once again, and they told me to have my bank return it, and he talked with his cash dept, and they said it would go through again a few more times and there is nothing they can do. He apologized for the inconvenience and there was nothing else they can do even if it is their error. I can fax the fees charged from my bank to them to have them reimbursed, but could n't assure me this would not happen again. I ca n't afford to continue doing business like this, and it should not be alright for them to act like it 's okay and nothing could be done. I am still out {$80.00} in fees from last weeks debacle, and now whatever fees from this week, and I still have other bills coming out.

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 06/21/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Back in XXXX I ordered a computer from XXXX for a family friend. I was excited and it was for his birthday. Because it was shipped to his house he told me if it would be okay if he asked the carrier to leave it by his side door because he wont be home. So he did that. When he got home the package was gone. I called XXXX and they were no help, they said it was our fault we did not have it. I filed a claim with Chase because I did not know what to do. They gave me a temporary credit and said they would research the claim. Today XXXX XXXX they said they will reverse the claim because my claim was invalid and XXXX was correct, I do not have the item because it was never received. Now I will also lose the money. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (IL).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, XXXX I entered a complaint through your organization against PayPal XXXX # XXXX. Please review the previous information I sent you for the full details. On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX responded to my complaint. I read his response which said " Nonetheless, on XXXX XXXX, XXXX, XXXX issued reimbursement in the amount of XXXX ... and. On XXXX XXXX, XXXX, Paypal issued additional reimbursement in the amount of XXXX to your Account Balance for the payment. '' I checked my PayPal account and neither amount was put in my account. I have called XXXX XXXX XXXX three times by phone and left voice mail informing of the lies in his letter. All three times I have pleaded with him to at least call me to try to resolve this issue. No Reply! In my original complaint I asked that 1 ) I get my  XXXX back, 2 ) I wanted renumeration for the 3 certified letter fees I incurred because they refused to answer any correspondence I sent approximately XXXX, and 3 ) I asked for some renumeration for the anguish this has caused me ( 6 months of their thinking I would go away by ignoring me ) I left the amount of the anguish amount up to there discretion. Well since they do n't want to recognize my existance, I want XXXX for the continued anxiety they have caused me. Please help me, I ca n't afford an attorney and they know that! They are just playing games because they are XXXX and they are treating me like an ant. I need a serious reprimand and a serious Fine by your organization

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Money transfers (International money transfer) with WELLS FARGO & COMPANY (NV).
Issue: Money was not available when promised

Complaint: Money was wired on XX/XX/XXXX. It is now XX/XX/XXXX and neither bank knows where my money is. They both keep blaming each other and Im out $ XXXXUSD. The bank manager actually told me yesterday I might be out of luck. This is supposed to be a secure place to keep funds not the stock market. If I dont get this money back soon it will break me and probably put me in bankruptcy. PLEASE HELP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NV).
Issue: Incorrect information on your report

Complaint: I applied  for a Loan modification back in  XX/XX/XXXX . My accou nt representative was always very helpful. They sent the document to me and I faxed it back multiple time due to " they never received them '' at the time. My account representative told me not to worry after the modification was done the account would not show late. I applied for credit last month and was denied because my mortgage was late 8 times. I connected ocwen and they sent a response that there was nothing that they could do. I do n't feel its fair that a representative told m e one thi ng and they wont hold up to their word. The dates in question  are  XX/XX/XXXX - XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Consumer Loan (Installment loan) with Rosebud Economic Development Corporation (TX).
Issue: Taking out the loan or lease

Complaint: I have had several loans with this company in the past with no problems. One month after my last loan was paid off, I called to reapply. XXXX XXXX tried to use some type of a bank verification system that requires a robot to sign on to your personal online banking account. My bank, XXXX XXXX XXXX, does not allow this type of electronic access. They tried and received an error message. In order to be approved for this loan, my last XXXX employment deposits had to be verified. XXXX Loans called my bank and ask me if it would be ok to lie and say no one else was on the call and for me to ask for my last XXXX deposits. In order to get the loan this had be done. I agreed as there was no other way. At this point I thought my loan was approved so I said yes. I was a returning customer and assumed all was completed and approved. The rep said all that needed to be done, after I had just lied to my bank, was submit the application through XXXX??? Who is XXXX XXXX. Something came back, probably my Tax Lien as I have a current payment plan with the IRS, so the loan was denied. I called another payday lender, XXXX, and received the approval instantly and funds were deposited for the next business day. My number one complaint with XXXX Loans is that you must lie in order for your bank deposits to be verified. My second complaint is that I never should have electronically signed any loan documents and been disclosed monthly payments and due dates if my loan was not approved. Many payday lenders do this from what I have been told because it makes the process easier for them. What about us as a consumer that believes their loan to be completed and approved when loan documents have been signed?? We need to stop dishonest payday lenders and loan document signing prior to the loan being approved/denied. If I had gone to my personal bank, they would have never requested me to sign loan documents prior to loan approval/denial.

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 08/16/2017 about Debt collection (I do not know) with Prince Parker & Associates (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I began receiving call on XXXX XXXX from this company. I do not answer calls I do n't recognize or know. No one ever left a message. They were calling 3-4 times daily through the week. Then I got 2 messages left on my voicemail by a woman who did n't leave her name but said " ( stated my name ), I need you to call me back, I need to talk to you. '' And she left a phone number XXXX XXXX. I never did call back. I keep receiving these calls from this same number along with another number listed for this company, Prince Parker and Associates. It 's a XXXX area code. I 've had the same message left by a woman also. I XXXX the numbers and found it was the above mentioned company. I will not call them back simply because they are not leaving messages stating who they are, why they 're call and they 're calling me 3-4 times daily from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: XXXX XXXX XXXX XXXX has XXXX tax liens listed on my TransUnion report with an address of XXXX, WV. I live in XXXX, WV and that is where I have filed my income both federal and State for the tax years listed on these accounts.

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 02/22/2016 about Debt collection (Auto) with Stone Higgs & Drexler (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: i wasnt notified by the creditor before they tried to take legal action, not even the attorney office, they never sent me a validation of debt notice not even a phone card no communication at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX is not reporting my credit account to XXXX Credit Bureau. I notified their Credit Account Dept and nothing was done.

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 06/26/2017 about Money transfer, virtual currency, or money service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Problem with customer service

Complaint: Dear CFPB commissioner, I have contacted you in reference to matter that involves consumer financial protection and the matter of a money order purchased via the MoneyGram company as sold by Walmart. The money order, which is a matter of question involving the late date at which it is being transacted is a matter the company states that they readily resolve and, possibly, with penalty. given the MoneyGram company 's policy, I submitted the information to the company and have anticipated a response from MoneyGram company. <P/>I have waited nearly 15 days, far more than the standard 5 to 7 working days for this matter to be resolved by MoneyGram to no avail. <P/>I have corresponded with MoneyGram to provide proper information, email information though the MoneyGram company has not responded in any manner. <P/>I have forwarded this message to the MoneyGram company and am now awaiting their reply. <P/>in the event that the MoneyGram company has elected to avoid correspondence with me for any reason, I write to you to request your suggestions and to access information in reference to my legal alternatives. <P/>I have a number of creditors and continue to tender debts that are due. I do, however, anticipate tat the MoneyGram company does not engage in policing nor debt collecting for other companies. <P/>I await the response of the Treasury Department in anticipation of lawful remediation prior to looking into resolution by means of any legal recourse. ____ Dear MoneyGram customer Service Representative, In the last few weeks I have made a report to MoneyGram in reference to a MoneyGram order that had been returned to me after it failed to be negotiated. More recently, I corresponded with MoneyGram customer service via WalMArt customer service and Money services. During that time, I was instructed to provide information to MoneyGram in reference to the monety order. <P/>I made an online report to MoneyGram on or near XX/XX/XXXX and XXXX, 2017. <P/>Since that time, I have awaited a reply from the MoneyGram company to no avail. <P/>I write to you to inquire with you as to the actions that may have been or that are expected to be taken by MoneyGram. to respond by forwarding the remaining balance of the money order If there is any further information or any problem that you may need assistance with, I have, also, provided an email address to which your representative may write with an inquiry or information. <P/>I would urgently like to resolve this matter. Email XXXX XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (FHA mortgage) with TOWNE MORTGAGE COMPANY (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Towne Mortgage, DBA AmeriCU XXXX # XXXX, originated and " manages '' my mothers FHA loan, which I am authorized to manage, handle all business, and make the monthly payments on. Every year, Towne Mortgage slaps a ridiculously expensive XXXX insurance policy ( highly profitable for them ) on my loan that makes my monthly mortgage and escrow payment go from about XXXX dollars per month to over XXXX per month, which we can not afford. This policy is completely unnecessary for FHA ( I know, I spoke with an FHA representative during the time the loan was closing ), as the master insurance policy for our large association covers the interior of all of our units, per the developer-written bylaws of the association. These bylaws have never changed meaning none of us with loans needs an XXXX policy. My neighbors have loans with other large lenders like XXXX XXXX and in talking with them none of them have to go through this year after year with their lenders. I provided this information prior to loan closing, and have provided the online link to the association documents in the past when this happened before, so it is not like they do n't know this. I have a saved email from XXXX of Towne Mortgages employees who fixed this problem for me several years ago PROMISING this would never happen again, yet is has. I will attach that email. Consequently I have withheld my XXXX, XXXX and XXXX payments until the insurance is cancelled retroactively, a new mortgage analysis is done to return my monthly payment to the correct amount, and all late charges are removed from the escrow account. What is most frustrating is that all the times I have tried to communicate this problem to Towne Mortgage in the last months NO ONE other than collections will return my emails or fix this. When I send a form in on their website XXXX no one ever responds to it, when I signed up for their encrypted email and send them a request to remove the insurance off the loan the XXXXXXXXXXXX is restricted and the email gets rejected. When I call and ask the operator for someone, anyones email that can help me, they always tell me to send it to XXXXXXXXXXXX, and guess what happens? - NO ONE ever responds to me. Since I can not get any help, I am sending via certified mail my XXXX XXXX and XXXX payments of XXXX to a person whose name I got who is the manager of loan servicing along with a copy of this complaint. Her name is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Trident management continues to report to XXXX credit reporting agency XXXX accounts that do not belong me. I have asked for validation on two different dates which has yet to be provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Trouble during payment process

Complaint: Suntrust Mortgage Inc serviced my mortgage XX/XX/XXXX. Property coat {$280000.00}, down payment {$70000.00}. I applied for modification XXXX XX/XX/XXXX I received a illegal type of modification. The loan was sold/transferred without my knowledge to XXXX. I went to see the vice prespresident of Suntrust. XXXX XXXX. denied the transfer. XX/XX/XXXX I went back to the branch, VP XXXX XXXX. Stated my mortgage was sold for {$210000.00}, the exact amount which I borrowed. Suntrust continued withdrawing my payments & also sent the same amount to XXXX. Months of payments shipped by XXXX to XXXX XXXX, these checks where signed & cashed without informing XXXX, or applying any payments to my mortgage.XX/XX/XXXX the property sold. XXXX pay-off {$26000.00} delinquent charges to the credit agencies. The loss of my Credit History distroyed by Suntrust reporting illegal negative statements this ongoing dispute began XX/XX/XXXX My loan was not underwater. I made my monthly payments using my Suntrust Sure Pay Checking & Savings Account. I met with VP XXXX hurried outside, her father just passed away. I walked with her to her vechical, she looked at me and stated, " I 'm sorry XXXX '' I can not access a Suntrust Mortgage Acct that is closed. But if I where you, I would get my money & close your acct. I was devastated, afraid, totally depressed. Scheduled for my XXXX XXXX XXXX XXXX, it was all bad. Made me sick I needed a reason to live. So, I prepared my home for immediate sale.XX/XX/XXXX, three months later I walked away with {$1400.00} dollars. Today is XX/XX/XXXX Please help me out here. Suntrust XX/XX/XXXX must comply to the credit agencies by written facts recorded deed Satisfied Paid Account Closed. 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 04-09-2017 about Debt collection (Auto) with TOYOTA MOTOR CREDIT CORPORATION (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter dated XX/XX/XXXX from XXXX. to collect a debt from Toyota Motor Credit on a XXXX. The XXXX account number ended in XXXX for client account number ending in XXXX. The payoff amount was {$10000.00} for a car that my ex-husband had retained in the divorce and had eventually been repossessed. This was a debt that I did owe because I was on the car loan as well. 

I contacted XXXX and settled this debt on XX/XX/XXXX with XXXX at XXXX for {$6300.00}. I have the confirmation letter dated XX/XX/XXXX from XXXX. stating these terms and the letter dated XX/XX/XXXX from XXXX stating the debt had been released. It reads " As per your request, we wish to advise you that your account with the above referenced client has been satisfied. On behalf of TOYOTA MOTOR CREDIT and XXXX., thank you for satisfying your account as agreed. This is a communication from a debt collector attempting to collect a debt. Any information obtained will be used for that purpose. '' Everything was good until I received a letter from XXXX . postage stamped XX/XX/XXXX and dated XX/XX/XXXX trying to collect on the remaining debt that had already been settled through SRA Associates , Inc . This letter is for XXXX # ending in XXXX on the same XXXX with an account balance of {$4000.00}. Now, if you are following along you would know that the beginning debt balance of {$10.00}, XXXX minus the settlement amount of {$6300.00} ( that Toyota settled with me through XXXX . and released me from the remainder of the debt ) equals {$4000.00}. Toyota has pushed my account out to ANOTHER agency to settle the remainder of a debt that they have ALREADY released me from. This is a violation of FDCPA. They are not allowed to collect on a debt that has already been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The law firm, XXXX, XXXX, XXXX XXXX XXXX XXXX obtained a judgment against me on behalf of MRC Receivables Corp in the amount of {$2400.00} in XX/XX/XXXX and made no attempt to collect for 7 years so that interest could accrue on the debt at 9 %. In XX/XX/XXXX the judge awarded them the interest and the judgment became {$4200.00}. My employer deducted bi-weekly from my wages until it was paid in full in XX/XX/XXXX They never filed a satisfaction of judgment. 7 months later, they contacted my employer claiming that because they never told them to stop sending payments, I now owe interest. Coming again with the interest makes me sure that everything they have done in connection with this case has been a deliberate attempt to inflate the original debt. There are several complaints against this company and this law firm and it is time that someone stand up and stop their deplorable tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I XXXX XXXX XXXX, was a cosigner for a personal loan from XXXX. the loan was paid for in full about two years ago, how ever my credit report shows that the loan is still active. I am attaching an letter from XXXX, stating that the loan was paid in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Debt collection (Medical) with Ability Recovery Services, LLC (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Now that they " closed '' this account that was included in bankruptcy was never reported as a charge-off off before the bankruptcy, however they 're reporting this as a Charge-offs. 
Per the FTC, if a debt was not in charge-off status BEFORE you filed for bankruptcy, it can NOT be reported as a charge-off AFTER your bankruptcy,

Company response to consumer: Closed with explanation