milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/17/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Money was not available when promised

Complaint: When I went to the XXXX sometime this year for my medical purposes I used Western Union to send funds to myself. Long story short XXXX/XXXX/2016 I made an online transaction sending {$2500.00} for myself and suppose to be picked up at XXXX on the brach in the XXXX. Got an confirmation email from Western Union providing the MTCN #, that the money was sent and it will be ready to be picked up on XXXX/XXXX/2016. So I went to the branch on XXXX/XXXX/2016 and tried claiming the funds? For some unidentified reason they did n't release the funds. They made me sit there for hours and talked to the agents over the phone to see and find out what was the issue. 

I spoke to some of the agents but it seems that they did n't know what to do or tell me that time. I got so frustrated not being to able to get my funds and that really put me on a lot of XXXX and end up having XXXX of my XXXX. Spent so much money on long distance calls but it got never resolved when I was in the XXXX. I needed some funds that time to start my medical treatment. Since i didnt get any funds yet I had to rescheduled all my doctors appointments even my flight had to be cancelled and bought a new plane ticket. It was a huge setback for me XXXX with my condition. 

I believe that Western Union should be the one who 's responsible for this negligence. I used their service numerously and I am much aware of their policy in any circumstances. 
Instead of getting all mad and upset I told myself that I should deal with my medical condition first before anything. 

So when I finally had the chance I contacted Western Union to resolved this problem. XXXX/XXXX/16 I spoke to XXXX of the agent and explained what had happened she resolved and came up with a conclusion by telling me that I was due for a refund and will get a check in amount of {$2500.00} within XXXX10 business days in the mail. Waited almost 2 weeks no check arrived. So I finally called him again this time around they said I will follow up and I should be getting a phone call from XXXX XXXX of the senior supervisor but I did n't receive any phone call or whatsoever. Called couple of times they said the same exact thing that I will receive the check between XXXX business. As I kept following it up things that I was told from the beginning suddenly started to changed. I will stop my story from there because the story went on and on and on. Spoke to at least XXXX to XXXX different agents but nobody seems to have to knowledge or the proper training to resolved this problem. I wish that this get resolved soon as possible and all I expect really is to get what I really deserved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have enlisted the help of XXXX XXXX XXXX XXXX to help resolve credit card debt. I have sent letters to close my accounts and contact information to XXXX XXXX XXXX with any questions. I received XXXX calls on XXXX XXXX, 2015 from GE Capital numbers were XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a credit card with XXXX XXXX XXXX in XX/XX/XXXX account has been closed since XX/XX/XXXX. It still shows on my credit report should have been removed after 7 years. The statue of limitations for this to appear on your credit report is overdue.

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 11/30/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Struggling to pay mortgage

Complaint: Our short sale offer is being countered to remove the buyer 's request for LESS THAN 3 % seller concessions even though they are a financing purchaser. The offer is even a bit higher than the BPO so the net amount is a non issue. It is unethical to not allow seller concessions to financing buyers. MOST buyers are financing and require closing costs to purchase, Ocwen not allowing this will make their borrowers unable to sell their homes and go to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: TD BANK IS BLOCKING ME FROM ENABLING EXTERNAL APPLICATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting repeated phone calls from Conn 's regarding a debt, they call every hour, and have even called back to back. One Sunday, XX/XX/XXXX - I received XXXX phone calls from XXXX and none of those times did they leave a message. I have a file that I would be happy to send showing the number of times they called in one day and the frequency and back to back calls - two calls in one hour - on a Sunday. Today, XX/XX/XXXX, I 've so far received 5 calls before XXXX thru XXXX - again - robocalls with no message left. I have told them not to call back to back and it was crazy for them to call that many times on a Sunday, and that I would be filing a complaint. 

here is the frequency and proof of no message left - as it was just a " missed call '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 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: Account status incorrect

Complaint: This account is being reported as a charge-off stating I never paid the balance. I paid this balance in full to the original creditor. I paid this account in full back in 2012. I have tried to dispute this with the credit bureau however they keep reporting this incorrectly.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Key 2 Recovery, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX 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 06-11-2015 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a modification with US Bank since XXXX. I lost my XXXX job for 120 days in XX/XX/XXXX from XXXX. I tried to send a payment in XXXX and they informed me that i needed to send XXXX payments in so they sent that payment back. i had just went back to my XXXX job. i had also lost my daughters XXXX during the same time so that put me a huge financial bind. they denied me XXXX and gave me several different reasons. 
!. I wasnt unemployed long enough2. i wasnt unemployed at the end of themodification3. did not have enough money ration at the end of the month4. it hadnt been long enough between my last modifcation. I file dchapter XXXX bankruptcy so now my mortgage is going thru the courts which makes it extremly tight with my income and im the only person working in my house of XXXX. i sent in another application on XX/XX/XXXX and had not heard any correspondence from US Bank until XXXX when myself and the housing agency WIN spoke with them. they told me i was missing my tax transscript form and i asked them why wasnt i notified of this in XXXX when i sent in my inofrmation? They told me they could not answer that question. I have NEVER spoken to my relationship manqger at Us Bank regarless of the messages i have left for her. she has not corresponded wiht my lawyer or myself or my WIN agent and we have left several messages for her. Federal regualtions state a mortgage company has 30 DAYS to correspond with you and US Bank is not doing this at all. They told me i could not pay my mortge until i sent XXXX payments in after i was unemployed and told them i had just went back to work so how was i going to do that? So this put me further behind in my mortgage causing all this conflict in which i am going thru now. they sent me another letter on XX/XX/XXXX and stated that my check stub information was not clear in which i sent them. i sent over my information via fax and i malied them hard copies just in case they could not read the documentation and the documentation mailed in was very clear. i feel that they are giving me the runaround and not following federal regualtions to get back with the consumer within a certain amount of time concerning a modification. I dont feel that US Bank is doing their part as far as corresponding with the consumer, the consumers lawyers to rectify the situation that cant potentialy benefit the consumer and their family. a process that should take no longer than 45 days has taken over 4 months with no final outcome.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Credit decision / Underwriting

Complaint: We began our short sale paperwork with Freedom Mortgage in XXXX of 2015. After being required to submit paperwork multiple times, over a span of 5 months, because Freedom employees have repeatedly lost documents, we were finally notified that our application was submitted to underwriters on XXXX XXXX 2015. The letter stated that we would recieve a final decision within 30 days. Our realtor reached out to Freedom via phone today ( XX/XX/2015 ) and was informed there was not yet a decision. Not only has it been well over their 30 day allotment, this is only one of a long list of issues we have been forced to deal with over the past 7 months. I had to put in complaints with both the XXXX and the NC Banking Commission in order to get our application submitted. Yet again Freedom Mortgage is failing to do their job in this process.

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 02/28/2017 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (AL).
Issue: Managing the loan or lease

Complaint: Purchased a XXXX truck from Kia Motors in XXXX, Oklahoma and shortly after that purchase the truck was totaled in an accident. Insurance paid the truck off and Gap Insurance made up all differences. While insurance was being processed and evaluated the truck payments were still being made. All insurance and Gap money was sent to Kia finance to settle loan and pay off truck in total including payment overage. There was an overage of funds as payments continued and were made after the accident of {$2000.00} that should have been refunded to the owner after settlement. Kia Finance in XXXX TX received those funds and posted them on XX/XX/XXXX from XXXX and XX/XX/XXXX from GAP insurance. Multiple calls were made to recover funds and no refund check was issued or cut until XX/XX/XXXX with a promise of 3-5 days in mailing. No refund check for the overage has ever been received as of XX/XX/XXXX. Kia customer service Escalation team suggested that we allow them to cancel the check and reissue and that process would take another 15 days plus 3-5 days in mailing. They added there was no way to expedite that process. They were also asked if they were paying interest on the money they have been withholding since XX/XX/XXXX. They answered no, they do not do that. I am pretty sure if the situation was reversed they would expect interest. To date we have spoken to 38 people in Kia customer service in 17 weeks, no check received, had 4 promise of call back and have received none. It has been 3 weeks since they say they mailed the check and none received and the process has been 18 weeks so far with no satisfaction. Now they want another 15 days to reprocess the check and 3-5 days to get it here in the mail. My confidence lever is zero in their ability to mail a check. These are horrible business practices and extremely horrible service. They got their money back in XX/XX/XXXX along with mine and I want mine back with interest. If they were an honest company they could step outside " normal '' policy and expedite the check with interest and apology..

Company response to consumer: Closed
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Credit Report compamy is reporting a derogatory debt that has not been proven to be mine. I have disputed this for years and they still fail to provide proof of debt. The creditors name is  XXXX   XXXX   XXXX  the date is  XXXX / XXXX /   2014  in the amount of {$2000.00}. I have not received anything supporting this debt. This is a violation of my consumer rights.

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 07/18/2017 about Debt collection (Auto debt) with DriveTime (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX   XXXX   is a collection Agency on behalf of Drive Time. This is a vehicle that had been repossessed and it is continuously being re-aged into my credit. This is a 8 year or more debt which the vehicle was returned and resold. The company continue to report as a charge off and derogatory reporting. The statue of limitation has ran out with the negative reporting on my credit reports. I continue to asked the collection agency and creditor to delete from my account. The creditor and the credit agency has yet to remove from my credit. Inaccurate reporting and missing 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 09-06-2015 about Debt collection (I do not know) with Williams & Fudge, Inc (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: The lady keeps calling over and over and will not tell me what the debt is about but keeps asking for my personal information. I asked her not to call anymore and she will stop for a few days and then start calling every day again. I do not even know what bill this is about.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX to XXXX phone calls a day XXXX days a week

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Student loan (Private student loan) with CITIBANK, N.A. (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: RE:XXXX Letter apology sent by Citibank on XXXX/XXXX/2017 admitting a mistake and that say account will be deleted, but it still showing as deferred on my credit report as of XXXX/XXXX/2017.

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 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: ( copy sent to XXXX XXXX XXXX XXXX and XXXX ) I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from XXXX and found out I owed about {$78.00} to XXXX. I paid XXXX I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called XXXX a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of 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 non-monetary relief
Consumer complaint received 07-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: Bank of America fraudulently charged me {$380.00} in fees XX/XX/XXXX on a closed account. 
Was not able to open bank account elsewhere until paying bofa the fraudulent amount they extorted from me. Today, XX/XX/XXXX they refuse to refund $ XXXX monthly maintenance fee and despite XXXX calls today, XXXX rep at XXXX XXXX cst put me on a XXXX minute hold returning to call refusing to let me speak to supervisor. On XXXX call asked for supervisor told all were too busy to talk to me but would call me back. Between jobs, need my money & need this extortionist bank to stop robbing and extorting from the American people like me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Credit card () with WELLS FARGO & COMPANY (IA).
Issue: Cash advance fee

Complaint: Account PLATINUM CARD XXXX Transaction Date XXXX/XXXX/2016 Posting Date XXXX/XXXX/2016 Description CASH ADVANCE FEE & lt ; REFERENCE XXXX & gt ; Amount {$52.00} Company 's website will not allow consumer to dispute fees and also refuses to remove fees from phone call as well. Attached form shows that the website errors out and does not even allow consumers to even raise a concern effectively blocking them from a dispute of a charge.

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 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on my credit report still shows repossession information desipite the account has been paid off and already closed XXXX XXXX,2011. I tried to call them ask them to send detail information to my loan officer. but they said they because files is closed, they ca n't. my loan officer still needs detail information and i d like to see it remove from my credit report or at least show it closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I attempted to remove the following names and social security numer from my credit report however the CRA refused to allow me to dispute the information. I am fearful that these variations may be the attempts of someone trying to steal my identity or someone elses identity merged with my own. 
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 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