milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2017 about Money transfer, virtual currency, or money service (International money transfer) with Remitly, Inc. (SC).
Issue: Other transaction problem

Complaint: I had a transaction with Remitly last XXXX XXXX amount {$2500.00} USD via express delivery and it should only take 10 minutes but I waited for 12 hours- 24hours to 3 days and more but was n't able to send the money to my recipient. They emailed me XXXX XXXX saying they 're taking a second look at my transaction after asking for inquiry why it takes a long time. After 12 hours of waiting, I decided to cancel my transaction and received an email confirmation " The charge to my card was voided and will be reflected in my account balance by the end of the day ''. So I waited but my refund was not reflected back to my account balance. XXXX XXXX I spoke to customer service of my " bank '' and stated they are waiting for the receipt of cancellation from Remitly so I can get my refund back to my account balance. Right after my conversation with my bank I called and emailed Remitly and they are asking for the ff : details ( name of bank, bank 's email, name of bank contact person/department ) I emailed back that I do n't know and it 's not my job to send the " Authorization Hold Removal request from my bank in order for them to release the pending charge. '' This is very disappointing because I have the right to cancel my transaction and refund back my money as I do need it immediately. I tried my best to get in touch with them and do my work but still, I do n't know what 's going on and they 're not giving the right customer services. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I filed a complaint and dispute with transunion and when I called because score had not adequately changed and online report showed derogatory items but could not see what they were and could not get a copy of my report without having to pay for it ( last one was XXXX 2014 ) and when I called them the person who answered could barely speak XXXX and was hard to understand and when I asked for a supervisor I was directed to another person who was no better than the first person. My wife tried to talk to them and they refused to talk to her and hung up and dispute has never been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Other type of mortgage) with U.S. BANCORP (OR).
Issue: Closing on a mortgage

Complaint: we have sold our home and purchased a new home, problem is back in 2010 we took out a loan for {$140000.00} for remodel, then transfer the loan to another branch of US Bank, no one ever record the close of the first loan with XXXX County records, and this is the hold up for escrow closing that as of the XXXX four families suffer as closing cant occur on 4 properties, including ours. this started over a month ago. XXXX XXXX needs a letter than specifically references the fact that the attached Deed of Trust was paid in full and that they are in the process of releasing the lien, because they cant find it in their system. 
Please this is very URGENT. I do not know what else to do

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 09-07-2016 about Consumer Loan (Vehicle loan) with VW Credit (MD).
Issue: Taking out the loan or lease

Complaint: I Purchased a NEW XXXX XXXX XXXX XXXX with a sunroof and Navigation. Not only do I have the recall for the XXXX XXXX XXXX with no remedy on my car I have XXXX other life threatening recalls with no remedy. When the other recalls were brought to our attention, I knew I was driving an unsafe car that may kill my family. Volkswagen has admitted to circumventing the emissions control system in the United States since XXXX. With their deceptive and fraudulent business practices Volkswagen knowingly sold me a car that was equipped with the illegal defected devices and locked me into a contract under false pretenses. They also deceptively sold me my New XXXX XXXX XXXX With Navigation and XXXX that I used for a down payment on the New XXXX XXXX. The XXXX XXXX also was affected by the recall for the XXXX XXXX XXXX. I put {$15000.00} down on the XXXX. In addition, Volkswagen carried out a cynical fraud on car-buying, by aggressively marketing the non-compliant diesel engines as the product of environmentally-friendly XXXX advanced technology, " XXXX XXXX ''. Volkswagen has admitted that they knew about the XXXX issue before I even bought my car. They have deceived my family and have put us all in danger with no remedy. 
I have contacted the Volkswagen Court Settlement hot line, Volkswagen Credit , & Volkswagen Customer Care. When calling no one was able to give me any kind of answer. Had no idea how what or when will anything ever be done for any of the recalls. The Volkswagen Court Settlement hot line was quick to tell me about the loan forgiveness program they have in place. When I asked them if it were a true " loan forgiveness '' why am I paying off the loan? VW gets my car, all the money I put into both my cars and a clear and free title & then I have nothing. Not one person knew what to say.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I opened personal & business accounts with PNC Bank for over 6 years without any problems or issues. I have recently revived a letter from the bank which informed me that my XXXX personal & business account will be closed on XXXX XXXX. 2015 without any explanation to given any reason. Therefore I contacted the bank 's Underwriting department over the phone, and asked them for the reason, but they failed to give me any information about the reason for accounts closure. I decided to stop by my local branch and I asked them to give me the reason, they too did not give me the reason and they claimed that they could not disclose such information. As a legitimate customer / consumer I do feel that I have a full right to know what did I do wrong to be dropped out from PNC Banking services, therefore I 'm requesting your authority to help me find the reason so I could understand it and to keep for my own references. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Other debt) with ERC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I applied for an apartment in the XXXX XXXX XXXX conn. The credit reporting agencies do not have me down on their credit reporting sites. The apartment complex used a third party to check my credit reports. A debt collector in XXXX. Fla Client Name Date Last Active Orig. Amount Balance XXXX XXXX XXXX XXXX Applicant ) Collection Agency - XX/XX/XXXXCO XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX {$390.00} {$390.00}. The above information is all I got from the rental agent that recieved the debt collectors report that I owe XXXX XXXX XXXX. I do not owe any money to XXXX XXXX XXXX. I spoke to the debt collection agency and they are reporting an eligitimate debt. This of course has caused me great harm both monitary and i 'm currently on XXXX trrying to get a job. After talking to them they were unwilling at first to supply and dated information or a copy of the documents submitted by XXXX XXXX XXXX. Then he provided a false date so that it protects him from reporting and old date obviously. Unless he takes the fraudulently created debt it prevents me from obtaining a place to live. Again all three major credit reporting agencies do not have that debt on their files. otherwise it would have been there if I had owed XXXX XXXX XXXX Money. The debt collection agency is committing fraud and has hurt me financially and has prevented me from abtaining employment i would suspect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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: I 'm a victim of identity theft and account 's was open on my name that I was n't aware of from XXXX XXXX XXXX XXXX has of XX/XX/2016 # 1. Installment Loan accounts number XXXX has appeared on my credit report # 2.Credit Card account number XXXX has appeared on my credit report I would like these account to be removed from my credit report I ad send a copy of police report to. the credit bureaus also

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 11/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2016, my home was flooded in XXXX XXXX, LA. Initially, I received an advance from my insurance company. It took 5 weeks for Nationstar to release the advance after I had to upload receipts in regards to the money I had already spent eventhough my insurance adjuster had written a detailed letter stating that the money was for cleanup and demolition. I complied with Nationstar. 
On to my final payment from my insurance company, I received confirmation after nearly 90 days that my payment was in route. I immediately uploaded all receipts and invoices then contacted Nationstar. At that point they requested proof my adjuster was authorized to do the claim from my insurance company, they have refused to send me a hold harmless and intent to self-contract ( which is ok by LA law ), they have not accepted documents for no valid reason that I have had to re-upload. I have requested an inspection on XXXX/XXXX/2016 for 50 % completion, which I have paid for all repairs up to this point, just to get my house completed. I received a call today and the inspector is unable to get here until XXXX/XXXX/2016 at XXXX. This is unacceptable. I just want to finish my re-build. I 'm not asking for all of the money, however, I would love to have it all. I 'm just asking for a portion of it so that I can finish the rebuild of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX XXXX is an addendum to my previous complaints about XXXX XXXX XXXX 's credit card closed in XX/XX/XXXX ) complaint about positive reporting I never made in XX/XX/XXXX. It serves - based on XXXX XXXX XXXX 's letters in response - that it falls on the credit reporting agency to stop the bank from any and all reporting regardless of what account. This includes credit cards, student loans, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested verification from XXXX XXXX for an account they sent to collections they can not validate account or anything signed with my sig stating account is mine acct was sent to midland funding and they will not remove accout after they failed to vailidate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In the summer of 2017, Equifax advised that its systems were compromised by a cyber attack that affected me. Upon checking their own " Security2017 '' website, and providing my information, it is obvious that I have been affected as I was offered their credit monitoring product on a specific date. I have placed a 90-day fraud alert on my files, and I am highly upset by this breach. Due to the lack of security measures at a reporting agency that holds my data without my consent, I know have a quality of life issue and will almost certainly be denied credit in the future due to my information being out " in the wild. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I received a letter from my insurance stating my homeowners insurance has not been paid and it was escrowed by Ocwen. After lots of time on the phone and help from my insurance company, it was overnighted and paid. XX/XX/XXXX I received a check for {$590.00} from the escrow dept stating our escrow account was overfunded and this set it right. XX/XX/XXXX I got a letter from Ocwen 's escrow department stating I owed them over {$600.00} to make the escrow account balanced and included a schedule of increased payments to catch up the account. After much time on the phone with a customer service rep and later the supervisor, I decided to cancel the escrow account and per their instructions wrote a letter that was signed by my wife and myself stating all the supervisor requested plus a check for {$51.00} that would bring the account to XXXX and allow the cancellation. I was told they needed 10 days in order to make this happen and mailed the letter with the check on XX/XX/XXXX. I was told the adjustment to the auto draft would be automatically made and the XX/XX/XXXX draft would not include the escrow amount. However, it did and further I received a monthly bill on XX/XX/XXXX stating an amount of the payment for XX/XX/XXXX which still included the escrow amount. Checking my account, I found they had taken the escrow amount, which should have been cancelled ( we have the cancelled check that was inside the letter ) with the XX/XX/XXXX payment and clearly they had not cancelled the escrow payments. I called customer service on XX/XX/XXXX and spoke to an escalation Supervisor who stated he needed 3 - 5 days to look into it. I firmly but respectfully expressed my dissatisfaction with his company and I am now awaiting response. This blatant incompetence on the part of Ocwen is irresponsible and I regret having them escrow my property taxes and insurance which I will pay myself once they figure out how to cancel the escrow and pay me back what they took in an unauthorized way. Please warn others about having an escrow account with Ocwen who clearly ca n't manage those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have recently paid Bank of America XXXX for a closed acct and XXXX XXXX XXXX for a closed acct documented and XXXX XXXX.. but bofa has place me in ews and I am unable to open any acct .. 
says account closed due to attempt to extract from acct in 2013 ( 2 ) .. I just want this removed so I. An move on with my life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My husband and I and also our roommate got charged falsely for apartment charges. It then went to collection. This particular Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX was falsely charging multiple renters and now is under new management. I have a letter stating we do not owe anything. Please remove from all XXXX bureaus for all XXXX of us. 


Also, I have a second thing. I have something from a collection agency for XXXX XXXX who is trying to get paid twice. XXXX XXXX has been paid by themselves. Therefore, I do not owe them and that collection agency is still harassing me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$500.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I requested a verification from Fair Collections & Outsourcing after noticing a collection notice on my report. Now they have listed the debt as late payment on my credit report. This is a communication tactic they are using to get me to admit and settle this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is a junk debt. Originally debt was with XXXX XXXX XXXX. Made payments from XX/XX/XXXX till XX/XX/XXXX. Midland Funding bought my debt. I called them and they would give me no detail since the debit is currently being handled by there attorneys. Call XXXX XXXX XXXX they have never heard of me nor can they give me any detail on my account from XX/XX/XXXX. I am writing letters like a mad lady to dispute the court records of {$1900.00}. I only owe XXXX approximately {$350.00}. I have my credit union printing out a report of all payments made since XX/XX/XXXX to XXXX XXXX XXXX. They have filed a judgement against me in XXXX Municipal court which I am following up with letters and asking to meeting with a judge. Midland Funding, or there group of attornies, also contacted my old mortgage company with a subpoena to collect my banking information. This is illegal but of course my old mortgage company said they " had '' to give them the detail, and this is a inaccurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Trouble during payment process

Complaint: We have had frequent problems with Seterus processing our payments, duplicate payments, payments for shortage in escrow that they manage. We received a letter once again stating we were short, I sent the full payment for that shortage they claim and the check was cashed to avoid them applying it to our mortgage. I wrote on note with the payment that this was for the escrow shortage and listed the acct. We received the mortgage with an increase and paid it. I included a copy of the escrow shortage check that was paid with a note explaining not to apply the shortage to our mortgage. We received a letter stating they would look into the matter and to this day have not seen our mortgage adjusted back to what we were paying. My credit was also ruined because of past issues they claim they would clear on my credit.

Company response to consumer: Closed with explanation