milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction issues

Complaint: Tried to get a {$150.00} money order cancelled from Western Union Company but they said they could not do that and I explained it got lost are stolen and gave them number for money order and said no guarantee can get refunded

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (IL).
Issue: Struggling to pay mortgage

Complaint: I 've contacted Citimortgage for many months to request help on reducing my monthly payments with a reduced interest rate and longer time to pay off the mortgage. I XXXX in XXXX this drastically reduced my income, I provided proof of my very limited resources but they are not really abiding by the rules of FHA where help is giving on the income to mortgage payments ratio. Instead I received a letter saying that I am authorized for a short sale! This is insulting and not acting in good faith, they want me and my wife to live on the streets now? After I have paid on time for almost 2 decades, they are holding this against me instead of helping. This short sale approval will affect my credit? Is it reported in any way to credit bureaus? This is NOT acceptable, I did n't ask for short sale, it is insulting they offered me this. I want a mortgage payment that is aligned to my income. Instead the guy that told me they ca n't help me implied/suggested I should default to be considered for help! What kind of institution does this? Please look into this matter and help me get a more affordable payment, the interest rate is actually high

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 08-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have the American Express Business Platinum card ; a card that carries an annual fee of over {$400.00}. The reason I pay that huge amount is to be able to use my Membership Rewards points to book travel on XXXX. However, I have not been able to book online on the website. I have tried going so twice ; once about 4  months ago, and again on XX/XX/2017. Every time I try to book a flight on XXXX, COMPLETELY covering the travel with my membership rewards points, the final screen says payment failure and I am unable to book. I have called in, and the travel team has indicated that this is a known problem and they are " working '' on it. They can book it over the phone, but it is an incredible hassle and waste of time waiting for them to answer the call. Moreover, the " amex member '' pricing, which gives a discount on the published fare for booking with points, is not accessible to the phone representative. THAT IS NOT AN ACCEPTABLE ANSWER FOR THIS PRODUCT ; this is clearly illegal and misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: For the past few months, XX/XX/XXXX to be exact I have not been able to pull my XXXX Credit Report from Equifax which I am entitled to through the XXXX XXXX XXXX XXXX I subscribe to. In addition this issue, I am now not able to lock/unlock my Equifax Credit Report which is another benefit that is included in the product I subscribe to. This has caused me a great deal of grief which has escalated because every time I have called I have been asked to give them another 24 to 72 hours to resolve which in itself would is not that bad ; however, we are 4 months into this and not once has anyone from Equifax called me to say that we are still working on the issue ; called at least ten times with the first call being made on XX/XX/XXXX and the most recent calls where on XX/XX/XXXX, XX/XX/XXXX and again this morning. On yesterday I just asked that they unlike my file so that I could submit and application and was assured that it was unlocked but of course that was not the case. I would just like to get this problem resolved, considering I have been paying monthly for a service that I not receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing has initiated foreclosure action against me while failing to properly follow the rules and procedures set forth by the CFPB governing foreclosure : Notification of Foreclosure Alternatives : Servicers must let borrowers know about their " loss mitigation options '' to retain their home after borrowers have missed two consecutive payments. They must provide them a written notice that includes examples of options that might be available to them as alternatives to foreclosure and instructions for how to obtain more information. Green Tree has never provided " loss mitigation options ''. 
Direct and Ongoing Access to Servicing Personnel : Servicers must have policies and procedures in place to provide delinquent borrowers with direct, easy, ongoing access to employees responsible for helping them. These personnel are responsible for alerting borrowers to any missing information on their applications, telling borrowers about the status of any loss mitigation application, and making sure documents get to the right servicing personnel for processing. Green Tree had, in a letter, provided an agent for this account, XXXX @ extension XXXX. I have left numerous messages without ever receiving a callback. In XXXX & XXXX, Green Tree left door hangers on my front door that read " Important - Please contact us ''. The phone numbers on the hangers were not-in-service. 
Fair Review Process : The servicer must consider all foreclosure alternatives available from the mortgage owners or investors - those with decision-making power over the loan - to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer. Green Tree has found it more financially compelling to proceed with foreclosure rather than work with the borrower as it would be too costly to do the latter. 
No Foreclosure Sale Until All Other Alternatives Considered : Once the servicer offers an alternative to foreclosure, they must give the borrower time to accept the offer before moving for foreclosure judgment or conducting a foreclosure sale. Servicers can not foreclose on a property if the borrower and servicer have come to a loss mitigation agreement, unless the borrower fails to perform under that agreement. Green Tree has never initiated " loss mitigation options '' as set by the rules of the CFPB, and therefore never worked with me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2017 about Credit card () with FIRST NATIONAL BANK OF OMAHA (AZ).
Issue: Advertising and marketing

Complaint: Interest was charged to my account during what I believed was a six month interest free offer through First Bank Card -- -First National Bank of Omaha . 

My first billing statement was issued XXXX XXXX, XXXX with the first payment due XXXX XXXX, XXXX. I paid off the entire balance on XXXX XXXX, XXXX. Later in XXXX I received a statement issued on XXXX XXXX, XXXX which had a balance of {$37.00}, the only charge being {$37.00} in interest. I contacted First Bank and was told that 0 % interest began the day I activated the account, XXXX XXXX, XXXX. I said I was under the impression that six months would mean six billing periods. They said, " six months is six months '' and that I had to pay the interest charge. I said I would pay in dispute so as not to impact my credit rating. 

I have researched other 0 % credit card offers and they typically refer to months and billing periods interchangeably in regard to their offers. I believe that the marketing of the offer by First Bank Card was deliberately vague and misleading. The fact that there was no interest charge on the XXXX XXXX, XXXX statement would indicate that six months is not six months since I activated the account on XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2015 about Debt collection (Medical) with AVANTE (KY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was contacted by a collection agency : AvanteUSAXXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX the collection letter dated XX/XX/XXXX I was to pay Avante USA {$50.00} for prior original creditor XXXX ; date of service XX/XX/XXXX Account NUmber XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Other debt) with ERC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've always had perfect credit. I went to get a loan on a truck and discovered that I had a derogatory account on my credit that brought my XXXX XXXX way down. I checked it, and it was a collections agency Enhanced Recovery Company reporting a debt for XXXX XXXX XXXX XXXX for XXXX  from XXXX. I have had a XXXX home phone and a XXXX cell phone for over XXXX years. In fact, I have never had XXXX XXXX XXXX. I tried disputing it through the credit reporting agency and got nowhere. I called the collections agency and they want a copy of my license, credit report, and SS #, which frankly I am not comfortable giving them under the circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested several times validation of this debt listed and still nothing has been received. Please help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my court debt in full onXX/XX/XXXX, prior to Alliance one garnishing my wages. On XX/XX/XXXX Alliance One issued the garnishment order and deducted wages until XX/XX/XXXX. Total overpayment amount {$790.00} I asked them to refund the overpayment. They did n't. XX/XX/XXXX they said they would transfer the overpayment to another case I am paying on. They still have not transferred the overpayment. Each time I make a payment ( monthly ) I ask them for my balance. They have not resolved the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I am currently trying to refinance my home but my payments are not being reported/recorded with the credit bureau's..My credit was pulled just recently twice and both told me there is no record of US Bank reporting my payments to the credit bureau 's.

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 08/31/2015 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone in XXXX Arizona is using my name and she is spelling it wrong and using my social security number! She is spelling my name XXXX! I spell it XXXX! The credit bureau is spelling my name like that now! This other person has XXXX bills on my credit report! I need to have those bills on my credit report taken off and the credit bureau needs to get my name spelled right!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Merchants and Professional Bureau, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: This account does not belong to me and my personal information is incorrect. This is not the correct spelling of my name. Please remove from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Dear CFPB, Since last year I have been actively monitoring my credit report for fraudulent activity and have signed up with XXXX XXXX, XXXX XXXX, and XXXX XXXX. I recently did some loan shopping but only with lenders that guaranteed a " soft pull '' on their website and was confirmed on the phone which guarantees the inquiry is not shared with others and has no effect on your credit score. Recently there have been some hard credit pulls on my file with Experian by companies who are subscribers of which I only recognize XXXX of them and the third is unknown to me. There is some serious lack of transparency by Experian and the agencies who promise and indicate " soft pulls '' and it then shows up as hard inquiry. This is misleading and Experian has shared responsibility in letting this happen since they are making money by supplying the information. I 'm fully aware of the regulations and terms of the FCRA federal regulations and a " soft pull '' that suddenly becomes a " hard pull '' without strict authorization does not contain permissible purpose. I do n't care who they are I demand the immediate removal of these hard inquiries. I have been misled and tricked into hard credit inquiries and hold Experian responsible. The analysts at Experian should develop a method or code which generates a text or email for verification of the hard pull. 
Sincerely, 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 12/15/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The company is from California so I know no one in that state I live in New York. This caller started in XXXX and calls were every other day. After two weeks I started to notice it was once a day I answered the phone and no one answered. This is now XXXX and I saw it 2 times a day and also in XXXX Now in XXXX three times a day. Today XXXX/XXXX/XXXX they called me at XXXX I answered and no answer. So I got the Number from my phone and called it. It was a collection company. I could not here the name because the woman spoke with an accent. I am not feeling well and I have had enough. I want this harassment to stop as I said they are calling me 3 times a day. The name of the company is called XXXX XXXX XXXX. I just called them again and a man answered I understood him and he said this is an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed information on my credit report about an unpaid bill from XXXX. XXXX has failed to provide proof of the bill, but the report is still on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I applied for and received a mortgage in XXXX from BB & T. At the time they asked if I would like a free checking account. I decided I could make use of a different bank having an account, so I accepted the free checking account. I paid the mortgage faithfully. I sold my home in XXXX XXXX and paid off the mortgage. I did not close the checking account. I rented a new place, I found a new home, I moved my furniture, I remodeled and redecorated. This is to explain why I did not sit down and read my monthly statements from an account that never had any transactions from me in 5 months. Finally I looked at the account statements from BB & T ( who had never charged anything for an account with XXXX dollars in it ) to find out they were now charging me $ XXXX!!! maintenance on an account I wrote XXXX checks per year out of. 
Agast, I went to my local branch and they credited me back on 3 of the 5 months worth of unannounced maintenance fees. I feel this is intentional fraud. They know someone is in transition when they sell a home and pay off a mortgage. They realize they are not likely to remember the fine print in the mortgage they signed 4 years earlier. This fine print in the mortgage was the explanation I was given when I went to the local branch. 
They said someone would call and talk to me about the other 2 months worth of fees {$60.00}. 
But no one even attempted to call me or refund the ill gotten gains.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In a nutshell, this company is currently jeopardizing my ability to purchase a home by reporting a collection account for a medical bill that is not mine. I am fully insured ( I pay top dollar ) and have been for years. 

The medical bill in question occured on XXXX/XXXX/XXXX and at some hospital in texas that I have never been to. Also, I live in los angeles. When I called the debt collector ( Transworld Systems ), they claim there was no social security number attached to the claim they picked up but a birth date in XXXX ; I was born in XXXX. 

I do n't know whose debt this belongs to but the mere fact that a collection account has been reported under my name for a service unassociated with me while my spouse and I are in the midst of a home hunt should be iiegal and I wish to seek damages. 

They are currently in the process of deleting the collection but the inconveience and potential money this may cost me should be criminal. People are exploited every day by these companies while the government turns a blind eye. I 've had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: never late paying apartment rent nor deposit..never late during my two and a half years there ... followed instructions on terminating lease yet got billed for a months rent plus cleaning and damages caused by the maintenance man on a prior incident where he knocked over a fire extinguisher that sprayed all over the place and in the air and under the appliances ... .not my responsibility. I WAS NEVER EVER LATE! manager seemed to hold a grudge against anyone with suggestions of improvement in this seniors facility, and personality changed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: this was inserted into my report by the bureaus just recently the electric company has not updated since 2012 i called the electric company they said they dont have a record of this it is an error with the bureau. i have not paid this account late ever. it is impacting my score in a major way. i am attaching XXXX reports to show how it changed from one day to the next and not on reporting dates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (FHA mortgage) with BB&T CORPORATION (SC).
Issue: Loan servicing, payments, escrow account

Complaint: Our account is in foreclosure with BB & T bank, this is a FHA loan and they are the servicer, we have had nothing but headaches trying to work with this company to try and resolve our account, from them offering unaffordable modifications to them telling us we have a credit on the account, when in fact we do not, this is the XXXX time they said we had a credit and in reality, we did not, which brings me to this complaint ... ... ... .... 
On XXXX XXXX, 2015 we received a re-instatement letter from their law firm the XXXX XXXX XXXX, telling us if we pay {$1700.00} by XXXX XXXX, 2015 our loan would be re-instatedwith me being skeptical, because previously, they told us we had {$12000.00} in recoverable fees that should have been a credit, well after doing further research, the bank admitted they were wrong and we never had a credit of {$12000.00}, we had taking money out of our XXXX to bring the account current, only to find out after the fact, BB & T Rep pre foreclosure rep gave us the wrong information, moving on to the latest ... ... ... ... .. 
On Monday XXXX XXXX, 2015 I called the attorney office, re-instatement department, spoke to XXXX, informed him of the letter we received dated XXXX XXXX, 2015, I asked him is this quote correct? he told me yes, this is the quote that was sent over from BB & T bank, I then mentioned to him, we had issues with this bank, telling us we had a credit, when we did not, he told me pay the amount on the letter and your account would be reinstated, I then told him, we could get the funds from our XXXX to bring the account current, he told me we could use the letter the law firm sent us, I asked XXXX could you please give me the credited fees amount and what they are, he replied {$21000.00} they are corporate advances which are credits, they just use another term thanked him call endedI then called BB & T spoke to foreclosure department XXXX, told her of the the letter we received from your attorneys office, asked for the account number I gave it to her, she then turned around and ONCE AGAIN told me that figure is not correct, she will call the attorney office, I then ended the call and here we are once again, this is the XXXX time this bank gave us false information, just another example of the POOR servicing, they have done regarding our loan

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