milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (UT).
Issue: Fraud or scam

Complaint: I recently attempted to receive a prescription for saizen hgh from a website that I had not done business with before XXXX I agreed to use moneygram to send {$300.00} to a clinic in XXXX. I was n't completely unaware of the risk of such a transaction, but due to FDA 's recent pressure on credit card companies to stop processing transactions for medicinal products, I found myself feeling like I had no choice but to attempt to do business this way. I wired the {$300.00} on XXXX XXXX, 2016. The salesperson I spoke to on the phone ( XXXX, phone number XXXX ) assured me that he would contact me the next day and provide a tracking number for a package that would be sent overnight delivery. Since the money was sent, all of my attempts at communications have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Debt collection (Credit card) with Lustig, Glaser & Wilson, P.C. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a notice to appear at small claims court in XXXX, MA on XXXX/XXXX/XXXX for a XXXX XXXX.. The case was with XXXX XXXX XXXX for an old credit card bill I owed to XXXX XXXX XXXX in the amount of XXXX + ore-judgment interest of {$33.00} and court fees of {$50.00}, {$720.00} total. 
I got behind on some several credit card bills when I went through XXXX treatment in XXXX. I am a single, divorced woman, XXXX years old. I am employed as a XXXX and was out of work for XXXX months during my treatment and went back to work part-time for five months before being able to return full-time in XXXX. 
The lawyer for the case was XXXX XXXX of XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. I fought to get the amount lowered because of excessive interest I ha been charged, and the Agreement for Judgment was that I would pay {$20.00} a month on the amount of {$460.00}. I made these {$20.00} payments each month until last XXXX, when I forgot to mail the payment on time, I worked on XXXX XXXX and XXXX to make a little overtime money and save the holidays for snow days, ( which came in handy ). The check I filled out to mail was dated XXXX XXXX ; however I decided to send {$40.00} instead and mailed the check on XXXX XXXX. Because I put " XXXX '' as the year, the check was returned to me. I promptly send XXXX for {$60.00}, which covered XXXX, XXXX, and XXXX payments. I have my bank statements to prove that XXXX received the XXXX check. However, On XXXX XXXX I received the XXXX of a number of harassing letters telling me I had failed to comply with the order and to contact their office. I made my payment of {$20.00} in XXXX and was aware that I had a " Payment Review '' coming up on XXXX/XXXX/XXXX. I was angry that XXXX was sending me these letters and would probably force me to pay the whole amount or even add penalties, so I sent them a letter on XXXX XXXX, XXXX and enclosed a check for the balance I still owed on the original {$460.00}, which was {$160.00} according to my records. In the letter I explained how I got slightly behind on payments at the end of XXXX. I did not go to the court review because my XXXX, XXXX, went to the XXXX for {$15.00}. '' I received a warrant from the XXXX County Sheriff dated XXXX/XXXX/XXXX to appear at XXXX District court on Wednesday, XXXX XXXX at XXXX. I am assuming that this warrant was sent from XXXX. I would like it if someone would accompany me there, but if this is not possible I will inform you about what happens at court on that date. Thank-you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I XXXX XXXX hereby files a complaint with the Consumer Financial Protection Bureau ( CFPB ) as my only source to help me with a deceptive collection practice ( s ) from student debt collectors. As your agency may already be aware, the United States Department of Education recently terminated their contract with Navient, as well as other agencies that were supposed to be collecting on nationalized debts, that is debts truly owned by the Department of Education. However, the greed that exist within the debt collection community caught up with XXXX, and many others when the United States Department of Education suspended contracts for deceptive and illegal collection practices. A company known as XXXX claims that I owe a balance in excess of {$5000.00} in student loans. Even though I never took part in any procurement of a debt from XXXX, they ended up being the collection agency for a student debt incurring excessive interest and additional fees. I have requested through complaint to the company directly information as to what company owns this debt. Under the Fair Debt Collection Practices Act I am entitled to this information. I believe that if a debt does exist, it is part of a securitized trust that has been fragmented into small ownership by multiple national banks. There is no proof of ownership, no proof of any assigned power of attorney or assignment of responsibility for XXXX or its successor the Pennsylvania Higher Education Assistance Agency. So it looks like my credit will be dinged and damaged by another collection agency that has no stake in the debt described in the XXXX XXXX, 2016 letter of debt/collection transfer. A recent federal court decision in the XXXX XXXX XXXX XXXX XXXX gives consumers the right to sue the Pennsylvania Higher Education Assistance Agency for doing damages to my credit where they have no right to do so. I believe that I have a right to sue for damages under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. PHEAA has no right to collect just as my challenges to XXXX proved that they had no right to collect. What this agency is doing is trying to hold my credit hostage as a means to use deceptive and illegal collection practices against an American citizen. PHEAA must cease and desist from any actions against me on any student loan collections, and delete any references to a collection on all pertinent credit reporting agencies, and purge my file information permanently. PHEAA must comply with the FDCPA and show proof ow ownership or the connection to collect for any other entity by true copy originality.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (I do not know) with Penn Credit Corporation (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Penn Credit Corporation keeps calling home phone number for someone named XXXX XXXX. They 've called numerous times and when I told them I do not know that person, they still continue to call. I 've asked this number be removed and a little over an hour later, they called back and when I again told them I do not know that person, and to remove my number, they hung up on me. They need to research their contact information and quit calling wrong numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (I do not know) with KelKris Associates Inc (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XX/XX/XXXX, i asked XXXX XXXX XXXX to validate a debt they claim I owe to XXXX XXXX. What they sent was a copy of a lease and a bill for a little over {$3000.00}. In XX/XX/XXXX, I sent a dispute through my credit bureaus regarding this debt with a copy of my drivers license and social security card to prove that the information did not match what the collection agency had on file. The credit bureau simply updated my accurate information with the collection agency and allowed the item to remain on my report for collection. This collection agency is also not authorized to collect in Georgia which is my state of residence.

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 03/22/2017 about Credit card () with Alliance Data Card Services (IN).
Issue: Balance transfer

Complaint: Adding documentation regarding the Bad Faith claim against Comenity. Daily I get letters tha dispute the last letter First letter ( not attached ) came in XX/XX/XXXX saying it was never cashed and when I called they agreed to cancel it. At this point I suspect theft/fraud/bad faith. Please review the letters and these are related to original complaint XX/XX/2017 # XXXX since not able to add attachments after originally submitted. I had also made a complaint to FDIC and they forwarded it back to you and XXXX was opened. It 's just a duplicate of XXXX so ok to close out XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XX/XX/XXXX, I applied for credit card with XXXX on their online website. I have an excellent credit rating of XXXX. On or around XX/XX/XXXX, I was informed in a letter that I was being denied credit due to the fact that I do not have a bank account with HSBC. There was no mention of this requirement whatsoever on their website. 

During the application process, I sent in my personal information. I believe it is unethical for a bank to ( 1 ) collect this information knowing I will be denied credit because I don't have a banking account with them. This should have been the first question on the application ; and ( 2 ) employ bait and switch tactics that imply that if I open a bank account, I will be approved for a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with XXXX when I bought my house in XXXX in XXXX my husband went XXXX XXXX XXXX a couple years later the loan was sold to XXXX XXXX XXXX in XXXX we got orders to XXXX to XXXX at that time I had called XXXX to start a deed in lieu we had to leave in XXXX from XXXX to XXXX we lived in XXXX I called XXXX everyday to try and get this deed in lieu done it always came back that they never got the fax or it was lost this went on until XXXX when we went to see a lawyer he called XXXX then things started to get going they got right back to us that day we had to pay off a sewer lien we got that done XXXX put a lock box on the house they had an appraisal done then I get a call the loan is sold to Green Tree Servicing I called them as soon as the loan was transferred to them I was told by XXXX that the deed in lieu papers would be sent to green tree that was not true I had to r refax the paper work again I did that then I was told by green tree they did not get it I refaxed it again now green tree will not even work with us because XXXX has a lock box on the house so green tree can not get into the house they said they can not do a deed in lieu I called XXXX to find out how to tell the people at green tree how to get into the XXXX as it stands right now XXXX or Green tree will not help us. 
We have not been in the house since XXXX we can not get any help from either company and just to add one more thing green tree said the house should have been listed for sale in order to do a deed in lieu when I asked them why they said that I was told that is how XXXX works the deed in lieu process I told green tree that XXXX is the one I was working the deed in lieu with so how could it be different rules they had no answer. we are a military family that had orders to XXXX in XXXX we bought the house in XXXX before my husband went back in the military as XXXX XXXX in XXXX. We need help I ca n't get a straight answer from XXXX or green tree I do have all paper work that was sent to XXXX and green tree I have all names of the people from XXXX and green tree that we have worked with we are now living in XXXX we moved her in XXXX XXXX we will never be able to go back to XXXX because of the military.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Payday loan) with Receivable Asset Management (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Kramer and Associates is the debt collection agency that has been contacting me about money owed. I was making payments on time every other Friday until they tried to withdraw funds too early and it was denied. From that moment, it has been hard to get back on track with the payments. Kramer and Associates called my job and I was pulled out of a meeting to answer the call. I still do n't know how they got my work number. Today, a roommate from 8 years ago contacted me saying someone from Kramer and Associates called them looking for me. Whoever it was left her a voicemail and an extension : ( XXXX ) XXXX - XXXX ext. XXXX. I had every intention of paying off the remaining balance but this is too much. It is very embarrassing to contacted by an old college roommate from 8 years ago concerning a debt collector. This has gone too far!

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (WV).
Issue: Loan servicing, payments, escrow account

Complaint: My father passed away XX/XX/XXXX. I am his only heir. The mortgage company at the time, XXXX, would not speak to me even though I repeatedly sent them the death certificate, will and administratrix paperwork. XX/XX/XXXX my property was affected by the flooding in XXXX, XXXX. The loan had then been transferred to Select Portfolio Service in XXXX XXXX XXXX, XXXX, and so I began with them to explain my father was deceased but that I have been making the payments. They transferred the loan to the Estate of my Father instead of to me even though I asked to assume the mortgage and I am the only heir and supplied them a copy of the Will and Administratrix paper work. They sent me a letter today telling me this loan was included in a bankruptcy my father filed in XX/XX/XXXX ( it was not - and if it was why would we make payments through XX/XX/XXXX?? ) I HAVE to have this transferred to my name in order to complete my FEMA paperwork for damages from the flooding. The law was passed in XX/XX/XXXX that children could assume a parent 's mortgage. What will it take to make these people understand this? I am at wits end!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My lender increased my payment by {$260.00} per month due to what they call a " mis-calculation '' of escrow last year. This amounts to about a 32 % increase of my mortgage payment! This has a major impact on our already tight budget. I do n't see how this big of a miscalculation can take place and then the lender can simply say oops but that 's the way it is and we ca n't help you ... now go talk to your bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I had lived in the same house in XXXX for 30 years.  We got a reverse mortgage and we were doing fine and were very happy -- until XXXX happened from XX/XX/XXXX.  My house was shifted off the foundation, and XXXX came and put tags on the windows and door that said "Do not enter--condemned".  I was not allowed to enter my own home to get my jewelry and belongings out of the house.  However, insurance people came and entered the house but I was told I was not allowed.  At a certain point in time, the city tore down my house in front of me while I sat there numb. I lost good furniture, jewelry, collectibles, all I owned my whole life. My wife and I have health problems, and we were devastated and lost everything.  My reverse mortgage company kept $180,000 from the claim I put in and I did get some money for my furniture. Now the reverse mortgage company is still contacting me saying I owe them money.  I have NOTHING.  FEMA was lame and didn't help me but with a small check.  The reverse mortgage lender who is now Champion  Mortgage continued to call me when I told them I wanted no more calls and they even put flood insurance on my property for which my house is gone - and says I need to get coverage, and they will cancel theirs. If you read the attached, it says this insurance covers the "dwelling"!  There IS NO Dwelling!!!!  

I am writing to ask that you tell Champion to go to FHA as I paid for mortgage insurance, so if a borrower cannot pay - the mortgage insurance pays the lender. I am sick of these calls. They are making me older than I ever felt I was.  It is now affecting my health. I called the newspapers and they won't listen either.  No one seems to care.  Except my loan officers who did the loan and who understands my plight. Please help me, I am begging you - because I don't know where else to turn.  How can I owe money when I had the mortgage insurance that was supposed to protect me?? What was the FHA mortgage insurance or if not for a devastating loss as this where the house is GONE?!  My wife is now in the hospital, I and she live with a relative and I have no idea when things will change. I have applied for low income housing but have no idea when there will be an opening.  Thank you for considering my complaint.  Thank you.  Please see attached.  

XXXX -- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MN).
Issue: Application, originator, mortgage broker

Complaint: My mortgage refinancing application was erroneously withdrawn by Citibank. They are alleging that I have not submitted the required paperwork on time. To date, I have not received a satisfactory detailed answer of which document was late beyond the general answer that my loan application has taken so long. They issued a new loan application with different rates, to ask for the exactly same documents, at a higher cost.

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 01/27/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Select Portfolio Servicing Inc. has made repeated errors reconciling my escrow and as a consequence they are calculating a 2017 payment that is more than it should be. I have requested that it be corrected multiple times. XX/XX/XXXX, they misapplied my payment to insurance and this created an arrearage. I have called multiple times since XX/XX/XXXX and this issue has not been corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (FHA mortgage) with PNC Bank N.A. (IL).
Issue: Settlement process and costs

Complaint: On XXXX XXXX I took out a FHA mortgage loan, National City Bank was also the mortgagor ... I got separated from my husband, I then filed bankruptcy In the Untied States Bankruptcy Court case XXXX. The mortgage was discharged but forgot to cancel payments from my bank accounts. PNC continue to take payments totaling {$96000.00}. PNC BANK NATIONAL, filed a foreclosure action case No. XXXX CH XXXX on my home not allowing a face to face meeting prior to filing the foreclosure, not qualifying me for a modification or giving me credit for the monthly payments that were sent after the bankruptcy was filed. PNC has violated my rights committed fraud on the court. I am currently in Illinois Appellate Court case XXXX. XXXX. I am trying to keep my family and myself from being dis-placed and homeless. The attorneys continue to create false documents, and refuse to return my money after the bankruptcy was filed. I should at least be able to qualify for a modification according to the XXXX guidelines.

Company response to consumer: Closed
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: TD Bank changed their policy to charge overdraft fees when pending transactions overdraw the account and do not allow customers to remedy the overdraft with the instantly availability created by a cash deposit, something every other bank allows. When questioned, customer service retorted that this was requested by customers. When pressed on the issue, customer service cleared out my inbox.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (WA).
Issue: Making/receiving payments, sending money

Complaint: I hired all state vanlines to move me from XXXX to XXXX in an XXXX wheeler. Gvae them {$1400.00} down. when they showed up on XXXX they were in a rental penske truck ( like a XXXX uhaul ) with another families belongins on it already. I went directly to wells fargo bank across they street and put a stop payment. called all state and they said too bad. I had to leave XXXX of my belongings behind. then i proceeded several times to mail, fax all the documents to wells frago. as of XXXX they are reversing the charges. this is in the handle of XXXX and the attorney generals for consumer fraud. Wells fargo had all the info to make the correct decision and they did not do it. they screwed me too. i am on XXXX and will never be able to replace XXXX out of XXXX pieces of destroyed furniture and they money that wells fargo is reversing will never be able to be repaid.all becuase wells fargo ca n't do their jobs properly

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation