milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2016 about Money transfers (International money transfer) with TD BANK US HOLDING COMPANY (NY).
Issue: Incorrect/missing disclosures or info

Complaint: I had money transferred from a foreign account in XXXX to our ( my wife 's and mine ) checking account in the US. The incoming wire transfer was recorded on XXXX/XXXX/2015. Our bank applied an interchange rate of XXXX. However, between XXXX and XXXX, the recorded interchange bank rate on publicly available forex sites was never fluctuating below XXXX ( XXXX = XXXX US ). Based on the applied interbank rate, we lost ca. XXXX US- $ to the bank. After following up with our bank, we discovered that since it is not a regulated part to the banking business, that banks apply the interbank rate they deem appropriate to make money. However, we are already paying money in regards to sender 's fee and other. At the same time, a similar transfer at a lower amount in XXXX was n't subject to the same interbank exchange rate. The rate was the same as the information shared by XXXX trade sites.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Wells Fargo is not treating me fairly or as a customer. They are withholding information because they want to as a result of fore-cable collection actions and causing other accounts to become delinquent. It has been 42 days since I have requested information and no proper action has been taken by Wells Fargo. Instead of treating me fairly like a normal customer they are sending me blanket legal responses that do not resolve any issues or provide me with information I need to move forward. 

I have made my requests much shorter and simpler. On XXXX XXXX I made a request of who I could get in touch with regarding funds and I was told I would get a response by XXXX XXXX, 2016.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (MI).
Issue: Closing/Cancelling account

Complaint: I had a credit card with USAA, my available credit was {$16000.00}. My balance is currently around {$3000.00}. In XXXX 2016 unauthorzed transactions were placed on my account, as a result my credit limit was exceeded. Therefore, USAA revoked the account. I filed my disputes, USAA investigated the un-authorized transactions and reversed them. However, refuses to place my account back to the original status prior to the un-authorized transaction activity. USAA has also forwarded this inaccurate information to all XXXX credit bureaus. I have disputed the reporting of my account revoked and balance, with the bureaus, they have requested an investigation. Therefore, USAA has triggered my ability to collect damages. My credit score has been lowered by XXXX pts. currently around XXXX from XXXX. I have made all my payments, all much higher than the required.I have made a total of over {$7000.00} in payments just this year. I have sent numerous emails but USAA refuses to follow federal policy. I am in the process of securing a large construction loan ( in the XXXX figure range ) the higher interest rate will cost me more than {$35000.00} over the course of the loan unless this USAA returns my account to its original status and reports it correctly to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Debt collection (Auto debt) with CREDIT ACCEPTANCE CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX Was due to the company for missed payment. Arrangements was made three days ago for 2 payments of {$600.00} for the months of XXXX and XXXX. XXXX debt was paid XX/XX/2018 in the amount of {$600.00} as arranged. I still received a debt collection call from Credit Acceptance corporation to XXXX the full amount and they were very forceful!!! 

I told them that I paid yesterday and I told hem not to call me anymore unless I am late for XXXX. But they will call again and I need it to stop.

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 03/14/2016 about Debt collection (Medical) with Preferred Collection and Management, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Collection company refused to accept the payments that I 've been doing to the Dr.s bill department. They ignore the Dr 's agreement to lower the debt and payments the Dr. is accepting for 4 months. They reported to XXXX that I am not making payments. They refuse to send me information about payments that I owe to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Upon checking my credit report I found an account listed in my name ( XXXX ) which I eventually identified as XXXX XXXX reported through XXXX ( XXXX XXXX. XXXX While this account balance was listed as only {$14.00} it was an account that I had never ha with XXXX XXXX. But the account was listed as derogatory/collection/charge off with XXXX missed payments. Account was listed as closed on XXXX XXXX, 2013 but missed payment monthly was being listed consecutively including the current month. I reacted immediately filed a dispute with TransUnion informing them that the account was not mine as well as sending a certified letter to XXXX. TransUnion say they processed the dispute and they marked the account " disputed by consumer meets FCRA '' and continue to report the account exactly as previously stated with same derogatory language. XXXX identified themselves a the reporting agent for XXXX XXXX. Their response was even more gross asking for my social security number and my XXXX digit credit card number after I told them I never had an account with XXXX XXXX ( around and around goes the merry-go-round ). At this point of frustration I have to rely on this Bureau to get results as my efforts are proving futile. All I want is removal from the credit bureaus this erroneous account and a letter of apology from 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 09-02-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notice dated XX/XX/2016 that an escrow account had been set up and payments had been made to insurance and taxes regarding our home. We do not have an escrow with these people and are officially requesting they stop these fraudulent payments. The escrow " history '' shows payments made XX/XX/XXXX, XXXX, and XX/XX/XXXX. However, my insurance company shows a payment on XXXX/XXXX/16 and my treasurer also on XXXX/XXXX/16. I have informed both companies of this fraud and requested those funds returned. A Bayview agent, XXXX, specifically stated we do not have an escrow and than they began making payments to these places. My last complaint has done nothing to stop this company from committing fraud regarding my account and therefor have no other option but to seek legal help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with Hindman Sanchez P.C. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In  XXXX  a judgement was obtained against me for delinquent homeowners association fees and assorted late fees and attorney/collection fees. The company representing my homeowners association wa s Hindman Sanchez i n  XXXX , Colorado. The debt was satisfied the same year and in  XXXX  a satisfaction of judgement was filed with the court and a copy was sent to me. Approximately two weeks ago I received a letter from  Hindman Sanchez dem anding payment for the debt that was already declared satisfied, this statement showed balances, with late fees and collection fees from the time of the original delinquency,  XXXX , through  XXXX  of  XXXX , over a year after I received notice of satisfaction of debt. I also discovered they had placed a lien on my property in early  XXXX . The letter was sent to an address I have n't lived at for several years, fortunately it was forwarded to me. This is another typical tactic of theirs, sending correspondence to addresses they know are incorrect. That is part of the reason that I accrued the initial debt that was declared satisfied in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with Caldwell banker mortgage also known as p h h mortgage. We were to get a cash for keys from them in XXXX XXXX but instead they did a foreclosure. They still gave us funds to vacate the house on XXXX/XXXX/XXXX but was done improperly. With this we were involved with a class action lawsuit against them and in XXXX XXXX they settled with us by sending a check for {$4000.00} as settled with the state of new jersey for the wronged consumers. My problem is that we are trying to refinance our current mortgage but cant do so due to the fact that the loan/mortgage is still showing up as a foreclosure and not a cash for keys as it was to be done originally. Is there anything that can be done to correct this issue??? 

loan number was XXXX address was XXXX XXXX XXXX XXXX XXXX AZ XXXX thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am in debt of XXXX in regards of a medical bill that i honestly dont remember .. i do Know that Im at not able to pay this balance but i would like a ok credit,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am being charged XXXX plus dollars for a XXXX sample. I have asked for a itemized bill and they never send it. It XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (I do not know) with High Point Asset Inc (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: At least once a day, sometimes more, I get an automated call saying I am a " Person of Interest '' or that " Legal Action is Imminent '' or I need to make a " statement of intent. '' I have no idea what this is about, and internet searches indicate this number to be owned by scam artists.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: reopening  XXXX  the  XXXX   XXXX  that has the account in the closure statement is not me.   If you compare th e DOB and SSN they  are not the same and not the same person. You have falsely accused the wrong person and placed lien against the wrong person.     We are asking for you to remove the lien on our home which is not the address or home in the documents or on the credit applications.     We are requesting a letter so we can provide to our title company and our mortgage company that the lien and judgement is not against me the  XXXX   XXXX  in  XXXX  but against the  XXXX   XXXX   XXXX   XXXX  in  XXXX  wa. Please review and compare the application information against my information and credit report- they do not match It appears when the underwriters for  XXXX   did a  public record search on simply the name  XXXX   XXXX   XXXX   they  pulled up information regarding a  XXXX    XXXX    XXXX   (  veteran ) who lives in  XXXX   that  had a civil suit against him in  XXXX  see attached court documents.     Attached also is the  XXXX   County parcel property information o n  XXXX   XXXX   XXXX  in  XXXX  WA.     From  XXXX   XXXX   XXXX   XXXX  WA  per  credit reports and our property information and history you can see  XXXX   was  not in the military and did not nor does he have an account with Chase bank. And Did not and has not ever lived in  XXXX  WA.     There is not a lien on our property per  XXXX  County Records and if there was there would have been some sort of communication to myself and  XXXX  over the pas st 7-8 y ears about a lien on our property- since the Homeowners, bank and  XXXX  County Tax someone would have mentioned it to us over the past 7 years and Chase bank would have also mailed something to our house or contacted us but there has never been any communication with us from any of the listed entities and from the public record search I did there is not a lien on our house.     we went to the  XXXX   County  Courthouse and go copies of all the judgements and court cases against the  XXXX   XXXX  in  XXXX   (  not us ) these are attached- as you can compare the  XXXX   XXXX  in  XXXX  per the  XXXX  credit reports attached does not have any bad credit and did not have credit with any of these companies in the past and therefore we do not have a judgement against us or a lien on our house.       please provide a letter stating  XXXX   XXXX  in  XXXX  does not have a judgement or lien against his property in woodinville and does not owe you money and has never had an account with your company ( and never will ) letter and contact me within  72 h ours.     Since this complaint was opened previously and requested removal over 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I am currently going through economic hardship, I am struggling to repay my student loan. I have already reached out to my student loan lender ( XXXX XXXX XXXX ). Since XXXX 2017 they have been unable to cooperate with building a repayment plan with me. However recently after many months, I have finally come to an agreement with XXXX XXXX XXXX with am income-driven repayment plan. However, this does not include my negative effects on my credit score ( payment history ). This is negatively affecting my chances dramatically of acquiring a financially stable employment status which requires a credit check from all sectors within my XXXX XXXX XXXX. In other words, I cant successfully acquire a job with my degree because it requires a credit check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (DC).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle in XXXX XXXX. The vehicle was totaled on XXXX XXXX, XXXX, and the bulk of the loan was paid by XXXX XXXX on XXXX XXXX, XXXX. The remaining balance was covered by GAP insurance, however, the GAP insurance company needed information from the lender to payout the claim. From XXXX to XXXX, I contacted the lender several times in reference to them submitting the requested information for the GAP claim, however, they never responded. Instead, I would receive infrequent calls from their collections department demanding payments. In XXXX, XXXX, I spoke with XXXX in upper management after receiving a collections call and she indicated that she was not sure why the requested information was not sent to the GAP insurance company. She submitted the information to the GAP insurance company and the claim was immediately paid. I received a refund from them for monies paid towards my down payment for the car, and an adjustment of the late payment fees, However, they are reporting and verifying to the credit breau that I was six months late on my 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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Original company : XXXX XXXX XXXX ( {$260.00} ) Debt collector : XXXX XXXX XXXX  Reason : Fraudulent Account I never open credit card with XXXX XXXX in 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I notified Transunion about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2016 about Credit card () with WELLS FARGO & COMPANY (AL).
Issue: Transaction issue

Complaint: i was issued a XXXX credit card for Home Projects from Wellsfargo Financial & XXXX took the card for {$35.00} for them to come out & measure for flooring but when i i picked my flooring & went to pay it was declined so i called & i was told that XXXX, XXXX XXXX were not on their list. 
i was told to go online to find home improvement stores that was on the list but i could never find it! i have never received a statement from them but i paid the {$70.00} on XXXX XXXX. by phone & now they say that i had a {$40.00} payment due on XX/XX/XXXX. i would like to be able to use the card but i don`t understand why a company as big as Lowes do not take this card!! something wrong somewhere! now they have added a late charge & i don`t know what i owe for! 
can you please give me some answers about this credit card? 
Thank You XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2017 about Credit card () with Resurgent Capital Services L.P. (CA).
Issue: Other

Complaint: This debt is from 2007 and it has been 10 years since this debt was acquired. I believe this exceeds the statute of limitations in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have approximately XXXX different loans with Navient in which I requested to consolidate so that my monthly payments get distributed for all of the existing loans. They do this and then a couple of months later. The loans are no longer consolidated for equal disbursement, but rather they only pay on XXXX and have the other XXXX loans listed as payment not due until a later date ( thus making the other loans will be accruing more interest ). I have spoken to them again this week ( per chat if proof is needed ) and again asked them to consolidate all of the loans so that my monthly payments will be distributed to all of the loans. This is the third time I have caught them doing this so that more interest will accrue of the loans that they are not applying my payments to. Please add this as a list of grievances. I have spoken to other students who have Navient loans and they are experiencing the same issues. Because of their actions we will never be able to pay back the loans. Just another deceptive practice on their part. If you do n't keep an eye on your account they will pull this fast one on you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I made payment arrangements and I was told the amount would be the same until my loans are paid off. I paid the same amount every month but then when I called to check on the pay off date, I was told that I was behind in my payments. My loans were sent to a collection company. I contacted the company and started making payments to them in the same amount each month. When I called to check on my account, I found out that I was in default for non- payment. I told them that I did n't understand how that was possible because I have the bank statements showing my monthly payments. They returned some of my payments from the company but it was still showing that I was behind on my payments. They recommended that I apply for a forbearance to catch up, so I did. Then, it happened again, I was making regular payments and When I called to check on my Account, I was so far behind ( the a, punt that I needed to pay each month changed and I was n't aware ) that I could n't catch up and they told me that I could do a forbearance to remove the amount that is passed due and start fresh after the months of forbearance.

Company response to consumer: Closed with explanation