milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Money was not available when promised

Complaint: I sent money through Money Gram as I often do every month, on XXXX/XXXX/16 at XXXX. They put a hold on XXXX of my transactions. They said to call them back in an hour to see when the funds would be available. I have tried to get this resolved seven times calling them back and waiting on hold and not being given a reason for the hold. I had sent another separate transaction and there was no problem. They keep on telling me to call them back and they keep on saying they are e-mailing the department that puts things on hold. It is now XXXX/XXXX/16 and they are telling me the same thing. Now, I just want my money back and I will go to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Trouble during payment process

Complaint: I 've been requesting a mortgage modification with the mortgage company Select Port Folio for several years. I finally received a modification/ assumption I made the first payment XXXX XXXX, 2017. I recently received correspondence from SPS stating they had not received my signed modification documents of which was sent back to them XXXX next day delivery.ThXXXX invoice for associations dues was forwarded to SPS and requested to be paid current as a part of the assumption/ modification. I have been given the run around with this mortgage company. I would appreciate your immediate attention in this urgent matter. Correspondence was also recently received stating they were referring my home to foreclosure as a result of the delinquency. They also stated they would not be applying funds received in the amount of {$2100.00} to the account. I would appreciate your immediate attention in this urgent matter. We also spoke with several SPS relationship managers I was informed I had to take Hud Credit Counseling. I 've owned several homes mortgages were always current. My ex-husband was responsible for the mortgage and he never paid it. See Attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I repurchased my home in XX/XX/2010 through XXXX XXXX XXXX. The purchase itself was for {$190000.00} and an additional {$65000.00} to make needed repairs to the property. Bringing the total borrowed to {$260000.00}. After the work began on the property it was determined that the {$65000.00} was not enough to complete the repairs needed. The amount needed for the repairs was closer to {$80000.00}. The {$190000.00} purchase price was derived from XXXX  specifying to the servicer what amount of repairs needed to be made and the purchase price was discounted by that amount. Initially XXXX said that they had to pick their own contractors. So I obliged. The work was never completed and they used poor quality materials. I completed some of work through my own funds. The rate XXXX   charged me at the time was 5.50 %. Recently, I tried to refinance my loan through XXXX XXXX XXXX at a 3.25 % interest rate. I was approved for the loan. I ordered a payoff from XXXX the servicer for the XXXX loan. After the closing when XXXX XXXX requested the releases is when XXXX said that I owe them {$120000.00} in addition to the payoff figure. I knew that I would have to pay back XXXX some funds. But, I did not know how much. It is not even stated in the documents in the registry that there is money to be paid back. Which is why when XXXX said that I owe an additional {$120000.00} everyone was taken by surprise. I have no issues with paying some money. But, I object to the {$120000.00} figure because it is not fair. The repairs that made with my own funds are not taken into account of the payoff figure. I tried to subordinate the loan and XXXX declined. I understand and I appreciate what XXXX did by allowing me to repurchase my home. However, after paying on time for so long and finally being able to refinance it seems punitive that I am not able to refinance my loan or even come to an agreement that will allow me to pay them over time instead of in a lump sum. I feel like XXXX  appears as if they are willing to help. In the meantime I think they are trying to take advantage of the disadvantaged people like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit card protection / Debt protection

Complaint: This is a follow up to a complaint I filed with the XXXX about Capital One over a capital one card ( # XXXX XXXX. 

After repeated attempts to resolve my credit card balance with capital one and been mistreated, mislead, lied to and had my credit destroyed ... Capital One just recently sent my account to a company called XXXX ( XXXX ) ( ref. # XXXX XXXX XXXX contacted me saying they were now collecting, although they were very elusive when I tried to get them to admit that they had simply bought the debt. 

They tried to convince me to pay a certain amount by a certain date otherwise it would hurt my credit. They were not specific about how it would hurt it, they simply used that threat to try and convince me to pay what they wanted when they wanted it. They would n't negotiate, they did n't care about the circumstances. 

How is it legal for a company to sell off debt to another company which then has the power to further hurt one 's credit ... .without any of the context of the problem or without any due process? 

This new company refused to negotiate and continues to call me. I told them the situation and made them a more than fair offer, despite the fact that this debt should be settled with Capital One. They did n't even consider it. 

So basically, Capital One XXXX me over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient increased the payments that I ca n't afford. I applied for low income payments. But they refused to approve it. They are selfish. They need to read my pay stubs and hours that I work right now very hard. Please tell Navient to pay off my balance. I wo n't pay. Navient is n't honest.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Other financial service (Debt settlement) with LoanHero, Inc (NC).
Issue: Unexpected/Other fees

Complaint: I opt in to receive assistance from  XXXX   XXXX    XXXX   and after filling out the necessary documentation I 've been trying to get in contact with them to cancel the process once I found out that I could 've done everything for free of charge. I 've left messages and called numerous of times but no call or response and they have an automatic system that 's set up to lie about their hours. It has n't  been thirty days and I 'm not  due for a payment yet all I want to do is cancel my whole consolidation process.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We are receiving phone calls from the collection agency that says I owe money to XXXX a cable company from my old address when we moved we transfered the service to new address until last year and we switched to another company and all the bills were paid off ( they have the old address on file ) I contacted XXXX and spoke to collection department and they said that I do n't owe them any thing. 
I explain everything to this agency and they keep calling and every time it is a pain and waist of time and i am so sick of this situation Southwest collection is the caller from this phone number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   refused to honor my request to delete the fraudulent information after I supplied all of the documents that they required.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX       XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX   XXXX    XXXX  PLEASE DELETE    XXXX   XXXX    XXXX -PLEASE DELETE   XXXX   XXXX    XXXX  DELETE  XXXX   XXXX   XXXX PLEASE DELETE  XXXX   XXXX  &  XXXX PLEASE DELETE   XXXX   XXXX     XXXX PLEASE DELETE   XXXX   XXXX   XXXX    XXXX  DELETE  XXXX    XXXX    XXXX -PLEASE DELETE   XXXX   XXXX  PLEASE DELETE  XXXX   XXXX  DELETE  XXXX   XXXX  PLEASE DELETE EQUIFAX  XXXX    XXXX   XXXX     XXXX  PLEASE DELETE   XXXX   XXXX    XXXX -PLEASE DELETE   XXXX   XXXX     XXXX  PLEASE DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage servicer ( Bank of America ) approved me for a loan modification and a small error was made on the signature page of the permanent loan modification documents. BOA erroneously sent correspondence to another XXXX of their customers in another state XXXX XXXX & I never received any information that my documents had errors. Subsequently, I was never informed that my permanent modification was never processed. I was under the impression that everything was completed, as per my Customer Relationship Manager had told me numerous times throughout the entire process, as well as several other BOA representatives. I continued to make all of my payments for a year until my loan suddenly entered foreclosure. I spoke to over XXXX different representatives who told me that my loan was approved, that this was a clerical error, and to disregard the issue. I am now in pro se litigation to defend this issue, my credit, and try to save my home, that should have never have gotten this far. I have made all of my payments, and have only missed XXXX since the origination of my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: While serving in the XXXX XXXX from XX/XX/XXXX toXX/XX/XXXX I had to obtain federal student loans to pay for college due to the VA not honoring my XXXX XXXX I joined the XXXX XXXX XXXX in XX/XX/XXXX and served until being injured in XX/XX/XXXX In XX/XX/XXXX I joined the XXXX XXXX and served until XX/XX/XXXX. When changing from the XXXX XXXX to XXXX the VA was not Honoring my XXXX  XXXX. So every year I would have to file a deferment until I could get the VA issue resolved. Apparently while I was on XXXX XXXX the loan had defaulted and I was never contacted to do another deferment. Around XX/XX/XXXX I was notified by my employer of student loan garnishments. When I contacted Navient to dispute as I was a Military member, they refused to work with me. The original student loan was around {$26000.00}, when they defaulted it doubled to over 46,000. They never contacted me to setup payments instead they sent loan to a 3rd party XXXX XXXX to collect funds.
It has been a nightmare to work with the 3rd party as they would bait and switch  programs on me. Also after more than 4 years of making the payment of well over {$500.00} a month to 3rd party, found that they have not paid one dollar to the Loan Holder Navient.
When I contacted Navient asking about the money allready paid well over 26,000 they say that its not up to them to collect from 3rd party until full amount is collected and to correct the negative reporting on my credit report. As of today when I called them asking for them to pul back the loan, I am told to prove to them I ever served in the military. They have refused to work with me in anyway and constantly reflect my issues and concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Dear Sir/Madam, I 've met the sign-up purchasing two months ago, and yet my bonus XXXX XXXX points are still not in my account till now. I 've contacted AMEX a couple of times but the issue has n't been resolved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Simply, first they did n't consiladate ALL XXXX of my loans. XXXX were left out. Those XXXX loans were now heading to collections. They consolidated those XXXX loans. So now technically I have 2 monthly payments coming out of my account. XXXX payment of the XXXX did not go through so they just sent them to collections and I was told they ca n't get them back out of collections. This mess also started that I keep get denied a loan even with a cosigner to return to school to finish my degree, in order to get a higher paid job in order to make these payments!

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Disputed the information being reported is wrong and should be deleted immediately as it is not proper correction information

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 11/15/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been receiving help from the HARP program starting 5 years ago. Each year on or about XXXX XXXX, I have received a {$1000.00} on time incentive bonus but not this year. On my Ditech statement the bonus would be tracked in a line item called " Incentive Accrual Balance ''. On my XXXX/XXXX/2016 Ditech statement the balance showed {$910.00}. On my XXXX/XXXX/2016 Ditech statement, I had expected the incentive bonus to have reached {$1000.00} and to have been credited to my Principal Balance. The payment was not credited to my principal and the " Incentive Accrual Balance '' was no longer listed on my statement. I have called the U.S Treasury several times but the lines has been busy. I have called back but with no success. I have called Ditech several times over the past month and their excuse is they have not gotten the money from the U.S Treasury. Could you please help me find out why this year {$1000.00} incentive bonus has not been credit to my account? 
There is a second item I would like you to look into. After the first five years receiving {$1000.00} per year ( have not received the fifth year yet ) in the six year of the program I am to receive a XXXX incentive bonus. The sixth year 's incentive bonus is not being track on my statement as the {$1000.00} was. What 's up with that? 
This last question is for me to have a better understanding of how the U.S Treasury sends out the incentive payments. Does the U.S Treasury send out a lump sum to the mortgage holder like Ditech or is the money sent out monthly? Ditech tells me it is a lump sum but on my statement it is tracked on a monthly basis. This is the reason they have given me as to why the {$1000.00} has not been credited to my account, they have not received the money. 
My Ditech loan number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is an error : XXXX XXXX Opened XXXX XXXX, 2017 It has already been removed from the other 2. I promise it does not belong 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 08/22/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX, 2015 I disputed XXXX unverified items from my Experian consumer credit report ( copy attached ). I received the results from my Experian consumer credit report but Experian had only responded to XXXX of the XXXX unverified items dated XXXX XXXX 2015 ( results copy attached ). 

Experian has failed to re-investigate the accounts disputed, failed to provide the documentation or names of the persons who verify the accuracy of the accounts currently reporting on my consumer credit report, Experian has not deleted all unverified accounts within XXXX days as the Law requires under Section 611 of the FCRA. Experian has not properly verified or investigated any accounts I disputed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Other

Complaint: I am disputing unfair and deceptive credit bureau reporting information against creditor Capital One. I had settled in full my charged off credit card account with a debt a collector called XXXX XXXX XXXX on XXXX/XXXX/XXXX. The manager at XXXX assurred me that once my account was paid the information would be provided to Capital One at which time the account would also reflect the same type of reporting to the credit reporting agencies. Since I settled this account in full, Capital One has been reporting incorrect information about this account to XXXX, XXXX and XXXX. I disputed this account with all XXXX of the credit reporting agencies, requested a FULL DELETION and achieved absolutely no results, no help and no explanation whatsoever on why the incorrect information should remain the same. I then receive a letter from Capital One dated XXXX/XXXX/XXXX acknowledging my disputes however the information the credit bureaus provided to Capital One may not have contained all the information to fully understand my dispute so they requested I send supporting documentation. I cooperated and sent over all supporting documentation to Capital one. I called Capital One last week Wednesday XXXX/XXXX/XXXX to follow up on my dispute and confirm that they are reporting an incorrect Balance of {$320.00} still being owed on the account when it should be XXXX. I then advised that my account shows an incorrect past due amount of {$320.00} which was is also NOT CORRECT. I advised the rep they need to stop reporting the incorrect account info because they are violatng the FCRA. The representative at Capital One refused, was very unhelpful, unprofessional and did not provide me with any proof or support to justify their incorrect reporting to the credit bureaus. I advised her that I would be filing a complaint to the CPFB because I am done wasting my time filing disputes with the credit bureaus and done trying to prove they are reporting bogus information about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My Sears Credit Card, issued by Citibank North America REFUSES TO REPORT MY ACTUAL PAYMENTS PER MOUNTH I WAS MAKING AND TO INCLUDE THEM IN THE BALLANCE HISTORY OF THE THREE CREDIT BEAUROS. Instead,  Citibank North America sent me a letter stating that only the balances, minimum payments required and defaulted payments will be reported. 

I disagree! Bellow is the copy of my XXXX SEARS/CBNA XXXX XXXX XXXX XXXX, SD-XXXX as reported by XXXX XXXX: 


Account Number: XXXX   Status: PAYS AS AGREED   
Account Owner: Individual Account.  High Credit: $XXXX    
Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card.: Revolving Credit Limit: $XXXX    
Term Duration:   Terms Frequency: Monthly (due every month)  
Date Opened: XX/XX/XXXX Balance: $XXXX    
Date Reported: XX/XX/XXXX Amount Past Due:    
Date of Last Payment: XX/XX/XXXX Actual Payment Amount:    
Scheduled Payment Amount: $XXXX    Date of Last Activity: XX/XX/XXXX   
Date Major Delinquency First Reported:    Months Reviewed: 2   
Creditor Classification:   Activity Designator: N/A   
Charge Off Amount:    Deferred Payment Start Date:    
Balloon Payment Amount:    Balloon Payment Date:    
Date Closed:    Type of Loan: Charge Account  
Date of First Delinquency: N/A 
Comments:   


As you may see, Actual Payments are not included, the balance history is incorrect. All of the above reporting is a violation of FCRA.

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 03-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I have a business account with Citibank that serves as petty cash account, with less than XXXX transactions a month, and with a minimum balance. Citibank insists to charge {$17.00} a month as a maintenance fee unless I have a {$5000.00} minimum balance. 
i consider that fee abusive but Citibank does not offer any other business product to meet my needs, so they should waive the fees.

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 11-04-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (OH).
Issue: Fraud or scam

Complaint: An iPhone 6 was offered on XXXX by XXXX XXXX with an email address of " XXXXXXXXXXXX '' She replied with a different email address of " XXXX '' and stated she was from XXXX, Ohio. When I suggested meeting to see the phone, she said she was in XXXX, XXXX and had the phone with her. She said she would arrange to have the phone sent to me by " Just In Time '' a parcel shipping service in XXXX. I was asked to send {$300.00} by Western Union to " XXXX XXXX XXXX ''. The money was sent on XXXX XXXX and Just In Time promised delivery of the phone to me by XXXX XXXX XXXX. When it was not received, I sent several emails to Just In Time and to XXXX XXXX asking the whereabouts of the phone and they have not responded. This is a SCAM.

Company response to consumer: Closed with explanation