milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Other transaction issues

Complaint: I cancel a money transfer made online since XXXX/XXXX/2016 still did receive my refund back and Western Union customer are not try to solve the problem

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced in XXXX 2015. My escrow funds on XXXX XXXX were {$1100.00} indicated in the mortgage payoff statement. My new mortgage company ( XXXX XXXX XXXX ) wired the payoff funds XX/XX/2015 which included my city taxes. My old mortgage company ( Nationstar ) paid my city taxes ( {$670.00} ) as well. My mortgage broker told me that I should be receiving a check for {$1100.00} because that was the balance in my escrow funds. I called my city treasure and they told me that they sent a check to Nationstar on XXXX XXXX, 2015. The city treasurer told me to call Nationstar in a few weeks. I called Nationstar in XX/XX/XXXX. I was told by Nationstar that I would receive my check for {$670.00} in 10 days. I asked them why it was n't {$1100.00} and they said they needed to pay for taxes. I asked them about the taxes and they said it was city taxes. I told them there was n't any taxes to pay for. It did n't make sense.Then 4 weeks went by, there was still no check. I called them in XX/XX/XXXX and again they said my check would be delivered in 10 days. Still there was no check. Contacted them in XX/XX/XXXX and again they said that my check was on the way. Still have not received the check of {$1100.00}. I heard about your site and now am reporting Nationstar for not giving me my escrow balance.

Company response to consumer: Closed
Consumer complaint received 08-10-2015 about Debt collection (I do not know) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I hve an acct that does not belong to me that has reported on my credit file from your company enhanced recovery XXXX

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 04/24/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Problems caused by my funds being low

Complaint: Monthly fees of {$15.00} were taken out of my checking account starting in XX/XX/XXXX through XX/XX/XXXX without my knowledge. Bank 's explanation was these fees accrued because a minimum balance was not maintained. 
I informed Citizen that I 've had a checking account for over XXXX years and I was never told there was a minimum balance requirement. I was told the reason was, I had an additional mortgage account and because of that, the minimum balance was n't a requirement. After my mortgage was paid off, I had to keep a minimum balance in my account. 
My concern is that I was never notified of this, nor told that once my mortgage was paid off I was required to maintain a minimum balance. I was also told I signed up for electronic monthly statement and this is not correct either. 
I am respectfully requesting that all my funds which were taken out for fees, be replaced in my checking account. Fee amounts total approximately {$180.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: NYS has sent me a letter stating that the tax lien for {$530.00} is being vacated and withdrawn. They stated by sending this letter, the credit agencies are supposed to delete this from my credit report immediately. XXXX and XXXX have been very helpful and deleted the judgement with no problem. Equifax is making this difficult and not deleting it from my credit report. I disputed and sent the required documentation on XXXX XXXX, 2015 and on XXXX XXXX, 2015 they stated its showing satisfied. I highly doubted they went to the NYS courts to verify in less than one day. I spoke to a supervisor and he stated he can not delete it. They are making up all kind of lies stating it has to stay on my credit report for 7 years. The lien is vacated which means it does not exist. 
This is causing me stress as I am trying to get a mortgage and I need this deleted off my report. I fought hard to get this vacated by the state and they did me a favor by doing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2016 about Credit card () with WELLS FARGO & COMPANY (NM).
Issue: Unsolicited issuance of credit card

Complaint: I have notified Wells Fargo New Mexico, N.A. in writing three times that the replacement chip credit card it sent me was never received. I did not request the card, but WF will not take action to replace the missing card without forcing me to endure endless telephone conversations followed by sales pitches I do not have time for. 

I have spent time on the phone with WF verifying my identity and correctly answering security questions, but WF still will not 1 ) acknowledge my report of the missing card ; and 2 ) commit to replacing the card without requiring me to endure more endless telephone calls and sales pitches. 

Please instruct Wells Fargo to send a new card and stop requiring me to use antiquated, inefficient voice telephone systems to resolve a problem which I did not cause. 

Thank you.

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 06-06-2016 about Credit card () with Convergent Resources, Inc. (LA).
Issue: Delinquent account

Complaint: I HAVE A COLLECTION SHOWING UP ON MY CREDIT REPORT WHEN THIS ACCOUNT WAS PAID IN A SETTLEMENT. THEN THE PHONE WAS RETURNED BECAUSE OF NO SERVICE IN MY AREA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BCB Investments LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A .Alliance collection Agency is continued to damaged my credit report because they said I owe them money that I 'm not aware of. They are stopping me from getting a home loan because of this issue. I sent this company a debt validation letter and they fail to provided me any proof. it has been longer then 30 days I gave them to respond back to me but yet no response. I am a victim of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with Stellar Recovery, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I turned in the equipment from my XXXX account years ago and they continue to call and harass me. I have received several calls from spoofed numbers regarding this merchandise. During one of those calls they signed me up for services that I had not requested. I told XXXX them over and over again that I turned the merchandise in. XXXX uses bait and switch tactica and actually several times signed me up for things I did n't ask for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing disputes

Complaint: Continued problems with Synchrony Bank/Value City Furniture Account. 
This is the third time i have had to write to the Federal Trade Commission about Synchrony bank charging late fees to my credit card when my payments are not late.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/XXXX, I discovered there had been a XXXX day late placed on my credit report in XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX, ( XXXX ). I contacted XXXX over my credit report, they explained that there had been an error on my account and they would send a letter to all XXXX credit reporting agencies and have the XXXX day removed. XXXX XXXX XXXX immediately removed the XXXX day late from my credit report. Experian still left the XXXX day late on my credit report. I have filed two disputes with Experian, and XXXX times have come back denied. After the second dispute, I received a letter from Experian explaining that the XXXX credit reporting agencies interpret data differently, therefore they would not be removing the XXXX day late from my credit report, even though it had been requested by XXXX to be removed. 
I have no choice to believe that this is a discriminatory act from Experian because I am XXXX Service Member. 
I am respectively requesting any assistance in this matter. The only flaw on any of my XXXX credit reports is the invalid XXXX day late from XXXX that Experian refuses to remove.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX, contracted with Penny Mac, which is in XXXX, CA and is not an institution, but a whole sale, only. This Penny Mac is a servicer and has been my nightmare since, XX/XX/2009. They have committed the following against me ... forgery, theft, threats, extortion, threats to foreclose, destroying the church checks, false allegations, mailing me a fake check, etc. They are savages and predators and extreme action needs to be taken. Again, I submitted another church check for {$240.00} for XX/XX/XXXX and my check for XX/XX/XXXX and my check cleared and they are claiming I did not pay for XX/XX/XXXX, either. Now they have me in foreclosure, due to their repercussions. The church is devastated, as this goes on every year and I have to battle with this Penny Mac. XXXX, is totally responsible for everything that has occurred against me. Then to top it all, now I receive a bill for two cents. Let them try to collect. The check for XX/XX/XXXX is the XXXX check. All they do is destroy the evidence. This is a yearly ritual with them. 

The rage, depression and the migraines that these predators have caused me has been endless. I could go on and on. This has been years of XXXX. The only services that are offered, which are none, are blood on their hands and they speak with fork tongue. 

The are anti social and savages and their are numerous law suits against them. 
Today, I open my mail and after a month, they have the audacity to mail the church check back and now they want me to send them certified return receipt monthly? In their nightmare, they will. I have been in contact with legal and we will see them in court. The war is not over.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Late fee

Complaint: I have inaccurate late reporting on my credit file. I have contact the credit agencies to dispute this and they stated that the information was verified. I find that hard to believe considering that all of the credit agencies are reporting something totally different. I asked that you Capital One remove all of the late payments from since their reportings have several discrepancies. I know that I had not been late on any of my payments to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian continues to report an illegally obtained/fraudulent account from XXXX XXXX XXXXThe original account, XXXX, was paid in full and closed on XX/XX/2009. This account is currently reporting positively to all XXXX bureaus on my file. XXXX XXXX XXXX, without any prior warning, opens a NEW collections account from this old paid and closed account- and begins reporting it as an open, past due collections account. 

FIRST, I do not owe this money. This account was settled and paid in full in 2009 directly with XXXX. 

SECOND, this account is LONG past the statute of limitations in TX ( 4 years ). It is absolutely 100 % illegal for them to continue to report this. I just purchased a new vehicle in the last month, and because this illegal debt collector has added this account to my report, i was not only DECLINED for credit, but it SEVERELY and ADVERSELY affected my interest rate. 

Now, I have incurred damages as a result of this fraudulent collections account and will need to refinance my new vehicle loan as a result, once this is deleted. 

I *will* be pursuing additional legal action after this complaint has been addressed with CFPB, if necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2016 about Student loan (Non-federal student loan) with Dream Center Education Holdings (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX, applied & approved for school loan from federal government /received XXXX separate loan amounts to cover entire 2 years of my XXXX XXXX plus one year XXXX ( {$59.00} thous & {$39.00} thous ) XXXX, applied & approved for tuition reimbursement at XXXX XXXX ( XXXX ) to cover 65 % or higher based on maintaining B above average. 
XXXX to XXXX, submitted via fax grades plus copy of school fees to XXXX ) /name of person accepting fax, " XXXX XXXX XXXX XXXX XXXX, XXXX completed a large layoff ( attrittion process & closed ) XXXX XXXX, Graduated and obtained my XXXX XXXX XXXX, I was approved & placed on a 4 year deferral with no payments XXXX, approved for hardship and paid minimal amount XXXX or sooner loan transferred to a collection agency in which they eventually added another {$30.00} to {$40.00} thous. 
XXXX or XXXX, agreed with collection agency to enter a rehab program for 10 months to make monthly payments of $ XXXX-not sure of amount-unable to complete program due to their error. 
XXXX to XXXX, loan increased another $ XXXX {$40.00} thousand/treats of wage garnishments etc. 
XXXX, agreed again with collection agency ( CTI ) to make monthly payments from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Completed program successfully. 
***This is just bare bones of story but just wanted to give you an idea of process & rough timeline. I met HR trainor, XXXX XXXX my first year at XXXX XXXX XXXX ). And of course, XXXX XXXX I never met just sent the fax as proof of attendance, grade point average and cost of courses. 
Keep in mind that XXXX agreed to pay once I completed the courses and graduate and in the XXXX I had to use my federal loan as payment to the school. In other words as long as i submitted in a timely manner my grades, tuition fees & amount loaned to me by federal government, they would reimburse me that amount once I graduated. 
***I also moved so many times ( 13 times ) since moving to XXXX so I know I lost a lot of paperwork in that process, however they should have a record of it too..fortunately I do have a lot of the faxes I submitted to dept of XXXX & XXXX at 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 05/25/2015 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Problems when you are unable to pay

Complaint: Forced to take predatory loan right after XXXX XXXX for small XXXX foot camper for emergency shelter. Attempts to get loan modification ignored. Gave it back to them as a voluntary repo. BOA doubled down and demanding even more money than was owed before and wanting it all at once, immediately, or else. Attempts to contact the loan officer who is never there. Calls from boa never reference any letters I have written, they just try to pump me for information, obviously reading from a script and will not deviate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (I do not know) with OCWEN LOAN SERVICING LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I recently obtained a new number as of XXXX XXXX, 2015. Since that time, I have repeatedly ( several times a day ) received calls from Ocwen Financial for a XXXX. I do not know this person and have relayed as much to the customer service rep. They apologize each time but nothing is done to resolve the fact that they now have the wrong number as they still continue to call.

Company response to consumer: Closed
Consumer complaint received 02-03-2016 about Debt collection (Medical) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX, XXXX To whom it may concern, On XXXX/XXXX/XXXX we received a debt collection letter from Credit Collection Services, however ; the debt was paid on XXXX/XXXX/XXXX. The debt was paid to XXXX, also known as XXXX ( according to XXXX ). In XXXX of XXXX I called XXXX at XXXX and made a payment for account # XXXX with a XXXX credit card ( see attached statement ). The account was previously handled by a company called XXXX XXXX. In XXXX on XX/XX/XXXX I received another collections notice from XXXX and I called and spoke to XXXX on XXXX/XXXX/XXXX, she assured me everything was taken care of and to disregard the notice, confirmation # XXXX. As mentioned at the beginning of this letter, in XXXX of XXXX my husband received a collections letter from Credit Collection Services for the exact same amount and file number and he paid the outstanding balance AGAIN, because I was not home and he thought the charge was legitimate. I would like the letters to stop and I want to make sure CCS refunds my husband 's XXXX XXXX Credit Card immediately. The charge is for services rendered in XXXX of XXXX by XXXX XXXX, therefore ; there are no other outstanding bills because these are the only services rendered on such date ( see attached claim ). We hope this gets settled ASAP. 


XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (LA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: In XX/XX/2017, I scheduled the payoff amount on Wells Fargo Dealer SErvices website. The amount cleared my bank account and the title was received by mail about 1 week later. At the end of XX/XX/2017, i received a letter stating the title was released in error and to return it to them. However, after calling them, I was informed there was a mistake on the balance owed to pay the loan in full. I disagree with this and didn't send it back. I have recevied multiple statements showing a balance of 400 plus to pay the balance. HOwever, after demanding debt verification, I was informed they could only send a pay history. The balance on this shows XXXX. They are continuing to report late payments and now showing charged off/collection with a balance of XXXX on all major credit bureaus. I do not believe I owe anything to pay the loan in full and believe the is an error on Wells Fargo Dealer services side. HOwever, they will not research this. The new excuse is that a payment was returned. I do not show this on any bank statement. Ive asked for verification of the bank account the " returned payment ''. They state they can not access that information. This has decreased my credit score dramatically and I have attempted to correct this with Wells Fargo, XXXX, XXXX, and XXXX. Noone is correcting the mistake.

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 01-08-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (AL).
Issue: Settlement process and costs

Complaint: MY mortgage company started out with XXXX, then XXXX, Green tree, DITECH, Now DITECH FINANCIAL LLC. in XXXX transferred to GreenTree a debt collector as XXXX failed, then transferred to ditech. I started to questions the validation of debt and green tree or Ditech has yet to validate the debt. My understanding my deceased husbands estate XXXX out the balance of the mortgage when he passed away and information was provided to green tree and ditech. Public Policy and Alabama Law as a widow and heirs we have rights. The are continuing to report on my credit report now stating I had a mortgage with them XXXX/XXXX/XXXX this is a complete lie. I never had a mortgage with GreenTree or Ditech or signed a contract with them XXXX/XXXX/XXXX. to make it clear I signed a note with XXXX and I have documents of this. XXXX has released the lien and satisfaction of mortgage. Ditech has changed to Ditech LLc a debt collector and continues to report on my credit report and will not XXXX out the balance. I do ask them to credit my account. I have asked many time to see both sides of the books and a complete audit and they refuse. I hate to have to sue I will receive a large sum for all the fraud this company has done. Nor did I ever authorize this company to have my personal information. I have my common law copyright and trade mark on file in the county I live and sent a copy to Green tree. They have ignored me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I left because their was rodents and other insects in both places, that I made numerous complaints about. I do not owe any debts to any of these companies.

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 09-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: we have an agreement and this should not be reported in my account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX  These are not my accounts and I would like to remove them all thank you.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX   XXXX   XXXX   #  XXXX

Company response to consumer: Closed with explanation