milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MA).
Issue: Other transaction issues

Complaint: Western Union Money Transfer on XXXX XXXX, 2016 : Western Union provides 3 opitions on line for money transfer. One is a credit card option, however when you choose it, Western Union gives you the illusion of proceeding with the transaction, asks for personal information, like driver licence etc. After you provide all info and submit your credit card information, the web site gives a message " your transaction could n't be completed '' and forces you to chose WU option for payment. When I called Western Union, after being conected with someone in XXXX, I was told that my credit card company denied the transaction. I called my credit card ( XXXX XXXX XXXX ) and was told by them that nothing was denied by the credit card company, moreover, that no transaction was ever received. When I called WU again ( conected to a foreign country again ), the only information I was receiving was to take cash and go to a local Western Union agent ( highly inconvenient and burdensome ), or to choose the WU option on line. My complaints about the previous wrong info as well as questions about when the credit card option on WU web site would work, were completely ignored. 
Western Union deceives people on their website to obtain personal, sensitive and financial information from their customers, therefore it is kindly requested that the US Government investigate those practices and take further legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2016 the XXXX auto payment in the amount of {$540.00} due Capital One Auto Finance was deducted from my checking account. The following day- XXXX XXXX, 2016 Capital One again deducted {$540.00} from my checking account. 
For the past 2 weeks, I have been contacting Capital One trying to get the double payment reversed. 
Today, Capital One asked me why I had n't contacted my bank to reverse the charge. I explained that XXXX XXXX XXXX requires customers to contact the merchant before filing a claim. 
Capital One is refusing to reverse the 2nd payment. They are insisting that if they reverse the XXXX XXXX payment, my XXXX payment will be due on XXXX XXXX. 
They took out my XXXX payment on XXXX XXXX. How many payments do they need for the month of XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Re : XXXX XXXX - {$8300.00} Again, I am requesting that this entry on my CR be removed immediately. 
Experian has refused to show any physical signed documentation that this belongs to me. 
I am requesting that you show, this being valid and belonging to me with signed paperwork. 
If you can not show this, this entry will be removed from any report with my name and social security number.

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 card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An old Bank of America card was last pa id  XX/XX/XXXX , yet w hen they charged off the card, forwarded it to  XXXX  and on to  XXXX , they did so adding an improper indication of a payment that never happened,  in  XX/XX/XXXX , wh ich is now also considered an open of account date for  XXXX . This action inappropriately punishes me allowing  XXXX  to claim my debt for a longer period. Under AZ state law I ca n't be sued passed 6 years of a debt 's delinquency date. This date has truthfully passed from   XX/XX/XXXX   but Bank of America colludes with their collection servicers to allow longer pursuits.

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 08/28/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I started the negotiations XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.At that time that they began garnishing my paycheck at {$600.00} per month. I explained at the start of the school year that the $ XXXXwas too much considering that I only got {$1000.00} net every two weeks. 
However, they continued the garnishment up until the XX/XX/XXXX. I became unemployed and remained so until XX/XX/XXXX. At that time I continued the negotiations until XXXX or XX/XX/XXXX. 
I then decided that it would be best to get the legal system involved dueto the difficulty in getting XXXX XXXX XXXX XXXX XXXX XXXX tounderstand my dilemma. Thus, I sent a request to XXXX XXXX XXXXCourt to help with the negotiations. The court did not hear from XXXX XXXX XXXX XXXX for at least 10 months. As a result, Ireceived a notice of the potential dismissal of the case notice from theXXXX XXXX XXXX Court of XXXX XXXX, Florida dated XXXX XXXX, XXXX XXXX see attached document ). As I read the notice, I understood that thecase would be dismissed because of the 10 months of nonresponsefrom the XXXX XXXX XXXX XXXX XXXX XXXX. The hearing wasset for XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXwas given 5 days to respond and did so within that timeframe. As aresult, a new court date was set for XXXX XXXX, XXXX. What puzzles meis why was there such a long delay in getting a response from XXXX XXXX XXXX XXXX during the 10 months of their cone ofsilence. However, as soon as they were told the case would bedismissed, they responded within 5 days. I was unable to attend XX/XX/XXXX court date because this date was within the first week of myreturn XXXX, which is a contracted week XXXX and all staff must be present. 
As a result, the ruling was in the favor of XXXX XXXX XXXX XXXX XXXX, with a garnishment of {$650.00} every month from mypaycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Debt collection (Other debt) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted XXXX  XXXX XXXX on XX/XX/2018. I informed them that i never had A XXXX XXXX account before, which is the bill they are saying I owe them for debt. I never opened the account and asked for a verification of debt. They informed me that they do not legally have to provide me or notify me of debt. I was never notified about the collections. I never Recieved a letter. I only knew i had the collections because i ran my credit report. When I contacted the company, they could not find my file. They have the wrong name under my social security number. This company is fraudulent and unjust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On  XXXX / XXXX / XXXX  a person called me from  XXXX   Abiility Recovery Services. Attempting to get pa yment from an ER visit for my son that took place o ver two  years ago on  XXXX / XXXX / XXXX . I have received no bill, no written communication, nothing   in two years. He claims the doctors that treated my son were from a doctors group, they failed to bill and now could not bill as they were no longer associated with the hospital.
I became irritated with him as my son was fully insured and if they did n't bill him that 's their problem, additionally, why I am being bothered with this two years later?
He began berating me because I used the S word ... ..telling me that " I was speaking to a " legal professional '' with 20 years experience '' Then he said " I understand you are in a bad place, but it 's a  bout to get much worse, ''.     I asked him if he was threatening me and he said " if that 's how you want to play this ... yes I am. '' This is in direct violation of the law, I would like them fined and sanctioned immediately, Additionally, I 'm in a bankruptcy, The hospital where my son was treated was notified and filed no claim. When I told him this he said " How was I supposed to know that?? I 'm done with you ... .have your lawyer call me. '' And slammed down the phone in my ear,

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On  XXXX   XXXX ,  2017 , a charge was submitted in the amount of {$75.00}, to Bank of America via my debit card from   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  VA  XXXX . Bank of America returned the charge as a check/item and charged my account a {$35.00} insufficient funds fee for each debit card transaction. This is a practice that has been repeated. However, if the debit card were used at the establishment in person, the charge would have been rejected immediately and no fee would be charged.     I contacted Bank of America on  XXXX   XXXX , then again on  XXXX   XXXX  when I spoke with a superviso r [   XXXX   ] r egarding the policy of charging a fee for the use of a debit card, when it 's used without being swiped or inserted directly into a credit card reader. According to  XXXX , the vendor received initial authorization for process the charge, however, they took too long to complete the process. Therefore, by the time the charge was completed the bank is within its right to charge a fee, even though the debit card was used.     If in fact the bank issued an authorization to the vendor, I should not be penalized with a fee once the process is completed. For this reason, Bank of America should refund all fees that were associated with debit card purchases or payments.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient has been applying payments to my incorrectly and when asked this was calculated they are unable to give me an answer. I asked for documentation six months ago in which they failed to provide. I was up on automatic payments in which Navient started to reverse payments causing late payments when I asked Navient about reversals they blamed it on the bank ; however, I managed to the the bank on the phone with Navient and bank said there was no issue in fact if I manually went to the website and paid the exact same way the payment would n't be reversed. Very odd with Navient giving no explanation. Also, it states on Navient website a consigned can be removed after XXXX consecutive on time payments so I met those requirements as well as I have a job and XXXX which are the requirements and they still will not remove the consigner. Also, if you log into your Navient multiple times in one day then they take it upon themselves to lock you out of the account. My loan origination on one loan was XXXX and now that is XXXX. My loan origination on another loan was XXXX and now it 's XXXX. They ca n't tell you how they calculate or continually due adjustments or provide documentation when requested. At this rate, no one will get loans paid off and for cosigner removal they need to honor there website XXXX on time payments, income, and graduation as explain their way of new math.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problems caused by my funds being low

Complaint: Chase Bank, as a matter of practice, backdates their checks to the previous day resulting -- in many more NSF fees to low and middle class account holders that live paycheck to paycheck. Chase has done this about 4 times in the last year to our family. Each time they backed off and reversed the fees, but not after I had to call and then get elevated to a supervisor. The latest incident happened last night. My account balance as of XXXX on XXXX/XXXX/16 was {$28.00}. My wife had a payroll deposit today on XX/XX/XXXX in the amount of {$440.00}. All should be good then, but not with Chase. They took a check for {$120.00} and backdated to XX/XX/XXXX. They covered the check, but charged me another {$34.00} in " NSF FEES ''. This is flat out wrong and many more households are paying the price of bank greed and policies designed to hurt the lower/middle class. Why did n't Chase bounce the check as there was only {$28.00} in the account? I 'm disappointed that these big banks are still targeting the lower/middle class with fees. I 'm asking your agency to stop the practice of 'back-dating '' checks by 1 day as a bank policy. This practice does n't hurt their large depositors in any way, but for the majority of us it does. I would be surprised if " Fee Income '' has n't doubled or tripled in the last 10 years as banks make it a point of many internal discussions on ways to increase revenue and " Fee Income '' is always at the top of the list. Please look into this practice of " BACK-DATING CHECKS ''. I would like the {$34.00} fee credited back to my account. People are hurting and the last thing we need is a practice like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 my house burned down in the XXXX XXXX in California. My insurance company issued a check to cover the house on XXXX, 2015 in my name and Wells Fargo Bank as they are the loan holder. After Calling The wells fargo main number I was told to take the check to my local branch in XXXX on XXXX XXXX, where they would endorse it and I could then pay them off. I made an appointment with the Assistant branch manager XXXX XXXX on XXXX XXXX, 2015. XXXX XXXX while talking to someone advising him over the phone told me I would have to sign the check then they would mail it to their main branch, where it would be processed in 10 to 14 business days. Once it was processed they would deduct the {$52000.00} plus owed to them and send me a check for the balance. I protested and asked if I could pay off the loan now then simply have them sign the XXXX check. They stated they could not do that because once I paid off the loan they would no longer be a signatory on the XXXX check. I told them this was ridicuoous, but I was forces to comply by signing the XXXX check whereby XXXX put it in a large envelope and said it would be sent out right away. And that I should receive a check from them in 10 to 14 business day. Today almost 3 weeks later I called the main Wells Fargo phone number to check on the status of my money. I was told they had not received the check I was talking about. I called XXXX, he stated he remember logging the check out and mailing it. He too checked with the main office, they also told him they still had not received the {$540000.00} check from XXXX endorsed by me. They were claiming the recent holiday must have messed up the mail, they kept saying XX/XX/XXXX but I suppose they meant XX/XX/XXXX, at any rate one holiday would n't slow down the mail for 3 weeks. I have no iddea what Wells Fargo is up to other than possibly complete incompetence, but I '' ve been waiting 3 weeks for this money so I can move on with my life. I would really appreciate any help you can provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The equifax security breach has affected me greatly. I have spent years trying to rebuild my credit only to have my score dropped by XXXX points due to this security breach. Im terrified that someone is using my information to ruin my good name and steal my money. I now have to go through countless measures in what seems like a hopeless effort to fix a problem that I did not create. I have notified equifax that I was affected in their security breach and I enrolled in their program but I have yet to hear anything back from them at all. Not even a confirmation letter letting me know that they got my request.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since XXXX XXXX, 2015 I have been receiving periodically telephone calls from Portfolio Recovery Associates at XXXX XXXX XXXX, XXXX VA XXXX. On XXXX XXXX, 2015 at XXXX/PST I received the second phone call and spoke to XXXX in the Disputes Dept. She stated the person responsible for the credit card debt of {$500.00} lives in Florida, with caution I provided her with my last XXXX numbers of my Social Security Number. It did NOT match the credit card holder for this debt. She suggested I send them a disputes form online. I did not do so due to the personal information they were requesting. They obviously do not believe that I am not the person responsible for this debt. My name is a common name, they need to move on and stop harassing me with false accusations. Their standard telephone tactic is they will not identify themselves UNLESS the person answers confirms who they are. They also WILL NOT reveal information of the person responsible for the debt. Yet they INSIST on your information. How can you intelligently confirm you are not responsible for the debt if they do not cooperate. These calls have gone long enough and has violated my privacy rights as well as to continually harass me with false accusations. They have clearly violated the " Fair Debt Collections Practice Act ''. I want an end to these harassing calls and request your agency audit their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: There was XXXX {$5.00} charges on XXXX XXXX, 2015, then on that day I transferred funds to my other bank account removing {$120.00} instead of {$20.00}. I expect that my mistake would cost {$35.00} for the one problem however at close of day although the XXXX {$5.00} XXXX purchases were a small amount and there where plenty of funds to cover both, the {$120.00} was processed first to ensure XXXX chargers of {$35.00}. That is over {$100.00} fees for one mistake. The bank, knowing I have had issues in the past feel they can not make an exception. I do not feel this is a fair way to do business,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (I do not know) with NRA Group, LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls frequently using an automated system, never anyone on the line when you answer.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX sold loan to Carrington Mortgage Service, LLC on XX/XX/2016 -- -- XXXX last statement to me was dated XX/XX/2016 which listed my XX/XX/XXXX Payment. I had to contacted them about my XX/XX/XXXX and XX/XX/XXXX Payment which were never generated on a statement which I thought was a banking requirement. They were eventually able to give me my balance after I complained. I believe XXXX should have been required to give out a statement with the Balance Amount at the time of the transfer of both Principle and Escrow. 
ISSUES with -- -Carrington Mortgage Services , LLC . My problem is with making PRINCIPLE ONLY PAYMENT. Their online payment system only allows additional principle payment in conjunction with full monthly mortgage payments. They have an Other Amount option but have gives you know way to identify where or how you want that Other Amount of money will be applied ( additional Escrow, Principle or Monthly Payment ). I believe I 've found a work around with the online system that may work but why do I have to work this hard to make PRINCIPLE ONLY payments!!!! I have several payment that were not process correctly. The time frame for the correction was stated as 20 BUSINESS DAY which is a full month to get funds removed from regular payments to PRINCIPLE ONLY payments. I was later told the processing time is only 3 to 5 BUSINESS DAY, however that has not been the time frame for my two prior issue with the payments. I have issue making my principle only payment online and with a real representative by phone. I 'm not received any paperwork on any of the PRINCIPLE ONLY issues or correction of those issues. I would think correspondence would be required by law. My complaint main is that PRINCIPLE ONLY OPTION should be required to be easily available to facilitate early loan payoffs and debt reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX XXXX, 2015, I was alerted by all XXXX major credit bureaus about a collection agency on my credit report about a balance in the amount of XXXX from the company ICSysytems, I contacted the company and the company had an address that I never knew about. I told the rep that I know nothing about this account. So the rep gave me a number to call, and when I called that number which was XXXX, I stayed on hold for XXXX minutes and the next time I called on the same day, the call drop. And this company is reporting negatively on my account as a collection. I wish the company could of called me about a debt instead of just showing it on my credit report. I am disputing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Please see attachment of supporting documents/Credit Files showing XXXX XXXX XXXX account # XXXX before and after deletion. Also, please see CFPB previous case # XXXX for additional information. 

Please immediately remove the XXXX XXXX XXXX account # XXXX, which was previously deleted and re-inserted. I 'm also requesting an updated Credit File reflecting the deletion of this re-inserted account.

Company response to consumer: Closed with explanation