milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NV).
Issue: Money was not available when promised

Complaint: My son used MoneyGram to wire some money to me. I provided all reference numbers, I also sent a copy of my driver license. This was done because " MoneyGram '' put a hold on the funds, stating as per a " XXXX government watch list '', they had to check my name against possible names that they do not do business with. I XXXX attempted to retrieve the funds on XXXX XXXX 2015 at XXXX PST., it is currently 8XXXX PST. and all the customer service person has been able tell me is the matter is under review. This in spite of the fact I was able to retrieve money from the same company on this very same day. I informed them this was an emergency and the delay in processing this matter would be and has been injurious to me. I made XXXX different trips to the store to get these funds, because I was informed by MoneyGram customer service the funds were available only to discover there was yet still a hold, in direct contradiction to the conversation with the agent on the telephone. 
They however insisted the matter is under review, without disclosing what matter needed to be reviewed, other than my name. So I can only conclude they, under some authority can with withhold funds simply because of my name, for I have done nothing wrong, and they would not provide an intelligent answer, when I asked why ... other than the matter is being reviewed. This unseemly delay has caused great distress for me, and I fail to understand why this matter would take XXXX hours or more. In addition to the fact that they provided the funds for the other transaction that was presented to them, at this point I am without the money that my son sent or a reasonable explanation. I am an XXXX citizen, born in XXXX XXXX, CA. Please help me regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (I do not know) with Premier Portfolio Group (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: this company, Portfolio Group, at XXXX calls me repeatedly with different numbers claiming I owe a debt for a bad check from 2010. I have asked for them to provide proof of debt via US mail and they respond that they will be sending a process server to my workplace and will notify my boss and serve me and sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had Internet service at my Home in Georgia and the Internet was continuously having problems, so I called on several occasions to get XXXX XXXX XXXX to come and provide service to fix the problem. We set up an appointment and the technician did not show up on 2 separate occasions!! I was furious from missing work, etc. 2 weeks later the Modem went out and NOW the Internet was completely down, so I had no choice but to get XXXX XXXX XXXX out to my home and finally a tech showed up and stated that I needed a NEW modem and I said OK, then stated that I had to pay for it, and I refused because it was their modem and I was paying monthly for it!! I said, I NO LONGER want XXXX XXXX XXXX because you guys are horrible, the tech then said " I understand '' and started packing up. I told him to take the MODEM with him and he said " just throw it away, its fried ''! I said ok, called XXXX, who I am still with today. A year later, XXXX XXXX XXXX puts a debt on my credit report saying I owed them for a Modem!! I was beside myself and NOW, I have a collection agency hounding me, continuously refreshing their reporting to the Credit Bureau.. I dispute it and get it removed, and then they report it again with a different amount, so I called them and told them that they are harassing me and NOW its worse than ever!! They keep adding to the original {$19.00} they say I owe, which I do n't, and now its {$160.00}!! They refresh every month adding new fees. They are continuing to harass me!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Medical) with ISIS SECURITY INFORMATION SYSTEMS INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is the arrogance that I have been subjected to since trying to dispute this error. I included the proof of insurance in the correspondence dated XXXX/XXXX/2016. Make no mistake I will also be notifying Medicare regulations and XXXX XXXX about this matter. I am enclosing proof of insurance again. This is the response for Universal Collections. CFPB needs to be aware of this. Universal as usual is so busy being arrogant I guess they did not notice my proof that was sent by CFPB. Universal also seems to be unaware that the consumer has the right to request validation. 
" Response Dear XXXX XXXX, Your request for validation of the claim is curious. First you have 45 days to request validation once a letter is mailed to you. That time had passed by about 5 years once we received your validation request. But your validation request seems irrelevant since you are already acknowledging the validity of the claim. 
I will reiterate once again that if you had Medical Assistance at the time medical services were rendered, please simply provide proof of that insurance at the date of service and we will immediately expunge this record from all credit bureau files. It is really just that simple '' I have the right to request validation at any time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Debt collection (I do not know) with ZENCO COLLECTION, LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a call from Tx stating I owed on XXXX vehicles that has my license number attached ( Florida license ) which I have never lived in Florida or have a Florida license. Stating they have sent me letters to last address and current address which we have not received. Said I bought a vehicle in 2005 and was repossed by household bank. I have never had a vehicle repossessed nor have I ever heard of XXXX bank. They are saying there is an affidavit in my county and they will garnishee my wages. I am scared to death. They have the last XXXX of my Ssn.

Company response to consumer: Closed
Consumer complaint received 11/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Making/receiving payments, sending money

Complaint: i ordered a file on me from XXXX and found recorded information that i suspect as fraud activity. There are three discrepancies on my file that has a home address that I 've never lived at.

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 09/16/2016 about Debt collection (I do not know) with ERC (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ERC placed {$67.00} collection on my credit report. I have disputed this through all three credit bureaus without success. I do not owe this account and no proof was given to me. I do not even know what this account is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have continued to call Transunion every day 2 and 3 times a day about whats going on and have even spoken to supervisors that has no clue about what to do. Most of the people i have spoken to are based in a foreign countty and there is a language barrier. I spoke to a XXXX rep today after holding for hours that stated that my account with XXXX XXXX XXXX XXXX was not supposed to be removed from my transunion credit report and didnt know why it happened. He then said a code was next to the account that he had never seen before so he attempted to transfer me to a special department and it hung up. I proceeded to call back with no luck. People are tell me that they cant replace the positive account, which was my longest line of credit, back on my report. Im devastated! Why did this happen. I never ask them to remove this account. With everything thats voing on with the equifax breach i am worried. Where is my account. They also are saying they cant put it back which is not true because they are still able to pull up the account. I need my account back on my report.

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 Mortgage (Other mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Settlement process and costs

Complaint: Backaround XX/XX/2016 I contacted my mortgage co, PHH Mortgage about re-financing.The original loan was in my husband 's name ( now deceased ) only. I told them I was going to apply {$50000.00} as a down payment. This was a gift from my sister-in-law. I was told they could do the closing XXXX XXXX, & I needed to send them the $ XXXX PLUS my regular payment of {$780.00} before XXXX XXXX. I did. No closing on XXXX XXXX. Then, after I started calling regularly, they mailed me a letter saying they had my closing set for XXXX XXXX. That day came & went. Nothing. So on Monday XXXX XXXX, I called to find out why they did n't close. Said they needed to do employment verification. They had done it twice already. I told them I was getting an attorney to investigate. Next day, I got a call saying they were coming to my house @ XXXX on XXXX XXXX. Never came. Wo n't ans wer my calls. I am a widow. No pension, no social security. Only a job paying {$10.00} an hour. I can barely pay my bills, & only then with help from relatives & food stamps. PLEASE help me if you can. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Auto) with JPMORGAN CHASE & CO. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I've asked Chase numerous times to provide proof that this debt belongs to me - as it did and does not. They provided documents from the dealership that did NOT have my signature and where there was a signature it did NOT match that of my own. When I called and wrote to them questioning this, I was given the run around and nothing was done about it - yet it is till on my credit report as a repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Actually there is no method to contact them to file a dispute currently - when logging in their page reflects they are engaging in a dispute but the credit report and the status of the dispute are inaccessible. 
Why is n't it easier to contact them? Why do they have to hide? And, what do they have to hide?

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 05/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid XX/XX/XXXX but it is still showing as collection in my credit report as of XX/XX/XXXX! I have complained few times at consumer finance and also called the collecion agency few times but it was never resolved. Collection agencies need to inform the credit bureau right away if the collection amount is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I sent request for information, for XXXX and XXXX XXXX mortgage statements, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/XXXX. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I spoke to a customer service representative over the phone ( recorded conversation ) regarding a medical bill I had for ~ {$700.00}. She told me that once I paid them, they actually offered me a settlement amount, they would update the debt as being reconciled and have the collection item removed from my credit. Upon me paying them, I believe on XX/XX/2017, I received updates from the credit bureaus stating that the collection item is open the very next day. I receive credit report update alerts. 

I called to follow up with them to have this problem fixed, and they are n't honoring what they told me. 

I just want the company to update my credit report per our agreement.

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 02/28/2017 about Credit card () with WELLS FARGO & COMPANY ().
Issue: Customer service / Customer relations

Complaint: We have had a checking account with Wells Fargo ( formerly Wachovia ) for nearly 15 years, during our last visit to the XXXX branch we were persuaded to take out a credit card which would 'even out expenses over the year '. I had to make a deposit of {$300.00} and was charged {$25.00} for the annual fee. When the card arrived I had a credit limit of {$300.00}, being the sum I paid in, which makes it a pre-paid account in my view. I have tried unsuccessfully for weeks to sort out the return of my {$300.00} and the closure of the account. 
I spoke to their customer services two weeks ago and said I wanted to return the {$300.00} to my checking account and close the credit card account. As I had a bill to pay I needed it straight away and so said I would take it as a cash advance and the chap said the 3 % fee would be waived and the account would be closed, using the collateral account to pay the cash advance amount. 

I logged on my account today to see that the credit card account is still active with a balance of {$310.00} and a payment of {$40.00} overdue.

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 monetary relief
Consumer complaint received 06/17/2016 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Charged bank acct wrong day or amt

Complaint: I borrowed {$1000.00} and got lender tried to charge my account for over {$3000.00} without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JPMORGAN CHASE & CO. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX of Virginia, operating by and through JPMorgan Chase Bank, continues to send threatening letters and e-mails alleging debts that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a XXXX showing the cancellation of the balance with my creditor. I disputed the information as instructed since it was still showing the full balance when it should now show as zero. I received notification 30 days later that they investigated and verified the debt. I then called them to see how that is possible since I provided the paperwork ( XXXX ). The agent said that they did n't review the paperwork since XXXX 's go to a different department. She said she would take care of it in light of the paperwork I provided but to this day, nothing has been done. I have n't even been given notification that they 're re-investigating it. They also removed my access to the website and I can not check the status. This would be the 3rd time I 've sent them verification that the debt was canceled by the creditor. Every other agency has corrected this information except for Transunion.

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 02-12-2018 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (FL).
Issue: Struggling to pay your loan

Complaint: XX/XX/XXXX I applied for a XXXX loan online with XXXX, made 4 payments of XXXX and wrote them a letter stating that I was in hardship could we work on payoff amount and I would guarantee whatever I could afford to send at that time, no reply back, no emails, nothing. I have been receiving phone calls all week XX/XX/XXXX from a private number, on Friday they directly called my work and spoke with my boss who therefore pulled me into his office telling me they were serving me papers by XXXX XXXX. At this time I called the XXXX number they had listed the woman was very rude and then switched me to a XXXX XXXX who said if I paid them today they would cancel the the papers being served, of course embarassed that they had actually spoke with him. I gave them over the phone my debit card and paid XXXX towards this debt, they are telling me that I owe a total of XXXX??? I only took out the XXXX. Please advise as this was a third party ( XXXX XXXX XXXX ) debt collector and needs to get a little bit of ethics on dealing with people who struggle and do have lives, I do not want to be disturbed at work or home as I have reached out to them in XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: I wanted to ask what happen with the XXXX is a issue that was happening at Citibank, when I came on board to the XXXX branch in XXXX Florida and while doing monthly audits I discovered numerous accounts opened without client authorization. 

I brought this to the attention of my current supervisor at the time alongside upper management and loss prevention an investigation was done to be done however since I brought forward those claims that showed numerous employees practicing unethical practices, I was considered a whistle blower and that 's when the retaliation alongside discriminatory behavior started against me until I was fired without merit. 

Is there a legal case against them?

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XX/XX/2017 I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.

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 11-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (OR).
Issue: Charged fees or interest you didn't expect

Complaint: I went to ACE Cash express yesterday XXXX XXXX at about XXXX XXXX. I was denied the payday loan because I was in the military. That would of been discriminating, I looked father into it and realized it was the governments fault that I was not able to receive the loan I needed. I needed the money to pay for rent on the XXXX, I would have been able to pay the full amount of only {$300.00} next paycheck but because of the MLA I was denied and late on my rent loan company would of been payed back in full a week later on the XXXX now I 've got problems with the renters. 
Oh on top of that I get charged a XXXX by the loan company just for talking and denying me. 
I want something done about this problem it is not fair for people to be able to get a payday loan that ca n't afford to get one when others that can ca n't get one.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Credit decision / Underwriting

Complaint: My mortgage company is reporting to credit bureaus that my account is closed due to bankruptcy filing of chapter XXXX. I am in a current chapter XXXX and making regular monthly payments to them but that not being reflected on my credit reports. i have called numerous time to have it corrected but nothing gets done and my cr5edit score is being effected by it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Sent XXXX on XXXX XXXX via XXXX XXXX to the code city for XXXX XXXX XXXX TX with the Account Number as of XXXX XXXX the Company states they have no record and can not find payment, when trying to pay with checking account online receiving the run around

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation