milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2015 about Mortgage (Other mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was in the middle of the loan modification with XXXX XXXX XXXX when I found out that I was transferred to Seterus. I found out when my attorney called to get the status of the modification. I never received a letter from XXXX notifying me of the servicing transfer. When I call Seterus they were extremely rude and I was told XXXX different things. The XXXX was that on XXXX I spoke XXXX and was told my trial modification payment was {$1000.00} when I asked how they came up with that amount I was told from my original loan application, because they had not received any documentation from XXXX. I explained that my financial situation is very different now, and I was instructed to complete a new financial package - which I have submitted. I was also told that after the trial payments the new modification payment would go back to at least the {$940.00}. XXXX. I also at this time requested a copy of the good bye letter from XXXX and as of today I still have not received. On XXXX I spoke with XXXX XXXX and explained that I could pay half the trial today and the other half by XXXX. XXXX took all of my financial information and then put me on hold. Then XXXX XXXX the manager ) came on the line and said he could n't take a partial payment. When I explained that the payment could be accepted XXXX XXXX XXXX he said he did n't care what XXXX rules where and that Seterus would not accept. He also informed me that the payment was due on XXXX not XXXX as stated in the in my paperwork and that they would not take my payment. Since I was not getting any where we ended the call. On XXXX I spoke with XXXX XXXX who told me that he could take my payment on XXXX for the full amount. XXXX also stated that after the modification was completed the payment would be similiar to the trial payment. Then he said that they waiting on my documents to continue the review, and I reminded him that they were already sent, and then he changed his story and said they had the documents. He also said that the best deal was {$1000.00} and they ca n't offer anything lower. How can they say that when I have n't been reviewed yet? I have lived in this home since XXXX and would like to retain it. I spoke with XXXX different representatives and each said something different. I need to understand what options are available and how I can retain the home.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016 Capital One sent me an email to inform me to log into my account to cast votes for my stock. I attempted to do that but got a message that read " We are unable to accept your voting instructions online. If time permits, please return the voting instruction form in the enclosed business return envelope, or contact your financial institution. '' So I contacted the financial institution to informed them of the issue and to either send me the documents in the mail and/or fix the online issue. These request have been ignored by the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/17 at approximately XXXX I attempted to deposit {$1200.00} in cash at a Chase ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. I performed XXXX separate transactions, the ATM dispensed a receipt that stated " The ATM has experienced a technical problem '' to confirm your deposit was completed properly, contact a Chase representative. I called the bank, representative initiated a claim and said I should have an answer within 12 hours. The following day I received an email from Chase that my account had been credited. I logged into my account and did not see that funds had been credited to my account. I called and was told they were still investigating, and would notify me in 3 business days. I explained I needed access to the funds but was told I had to wait until they completed the investigation. I asked to speak to a supervisor and was transferred to XXXX in the Claims Escalation Dept. XXXX provided the same response. I explained to XXXX that I was entitled to full use of the funds during the investigation. XXXX stated I was not entitled to full use of the funds, I told him Chase was required to provide me with access to the funds. I reminded him of the Electronic Fund Transfer Act and informed him Chase could be liable for penalties for not complying with The Electronic Funds Transfer Act. XXXX again said they were not required to provide me with access to the funds I attempted to deposit. He said it was up to Chase if they wanted to provide credit as a courtesy and they would respond to me within 3 days. I visited the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA and spoke to XXXX XXXX, XXXX XXXX was sympathetic to my concerns and immediately made some calls. The person he was speaking to told him they have had technical issues for the entire month of XXXX and because it was a technical issue they were not required to credit my account until the investigation was complete. I then asked her if all the other customers who have had this problem in XXXX had n't been credited as well. She said they did not receive access to the funds until the investigation was completed. XXXX XXXX asked her how many ATM Machines had experienced this problem and she said she could not say. XXXX XXXX contacted the banking office where I performed the transaction, they mentioned they had not received an email from the claims dept in reference to my claim. XXXX XXXX asked the branch to dispatch the service company to check the ATM. He gave me his card and offered to waive any fees if I was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PENNYMAC LOAN SERVICES, LLC. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: I am disputing XXXX conflicting payoff amounts a week apart for a mortgage that increased the amount by almost XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with WELLS FARGO & COMPANY (MD).
Issue: APR or interest rate

Complaint: On Friday, XXXX XXXX, 2015, at approximately XXXX I received a call from XXXX in reference to restructuring my credit card interest percentage to a lower rate based on my superior credit score. The suspect stated that they had my account information up on the computer and I needed to verify the card information and personal information to make sure I am truly the card holder. They first started with my date of birth, then proceeded to ask for the security code on the back. Next, he asked me for the card number itself. For each of the questions he asked for, I provided erroneous information, knowing that this was a true scam. Once he asked me for the information again, ( apparently my information could n't be confirmed XXXX I then told him that there was additional information on the back of the card and asked if he wanted me to read it to him. Eagerly, he stated, " Yes! Please! '' I read, 'I am not XXXX! '. Immediately, I heard an extension pick up and another male voice screamed that I was a " mother XXXX '' and my he was going to XXXX my mother ..., etc. You get the message. I requested that we should meet me to go over my account in person. He rudely declined the offer. Obviously this was a scam that I hope you can bring this kind of XXXX to justice. I am willing to testify to the conversation and will support any kind of prosecutorial investigation that your agency is committed to. It is my belief based on the persuasiveness of this individual that many elderly people will be victimized by this scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Casesa Bowden Barlow, P.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: collection attorneys attempting collection of an auto insurance balance that is not legitimate. XXXX XXXX screwed up a cancellation and reissue of a policy to a cheaper insurance company, claims I needed to submit copy of my old policy and new dated policy pages, which I had done and will not do again. Their error not mine

Company response to consumer: Untimely response
Consumer complaint received 06/15/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: They are showing a collection account as unpaid with a {$630.00} balance and are telling me they have contacted the original creditor along with the collection agency and verified it. I have contacted original credit and the collection agency and they both have that the account was paid in full with a {$0.00} balance. Equifax will not correct my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Each year I download credit reports form the 3 major credit reporting agencies at XXXX. At least I attempt to download all 3 credit reports. XXXX and XXXX each download my free credit report without difficulty however, for the past two years EQUIFAX has asked security questions that do not line up with any of my personal information and when I correctly answer the security questions " None of the above '' I am denied a credit report. This has happened two years in a row. I called them last year, was told the problem was resolved and I would be able to download my free credit report " next year ''. Now it is " next year '' and the same problem is recurring. I called EQUIFAX again, was transferred around to at least ( the list is growing ) seven reps who all told me they were transferring me to the department that could resolve my issues. Each time I am transferred I end up connected either to an automated system that does not address the issue or to another person who claims ignorance of how to resolve the issue or of who I need to speak to in order to get the issue resolved. The last rep I spoke to says they are " aware of the problem and are working to fix it ''. For TWO YEARS? I call XXXX. I can not understand why EQUIFAX wants to make it difficult or impossible to collect the free credit report I am entitled to by law, or why they are apparently not working to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Money transfers (International money transfer) with WELLS FARGO & COMPANY (FL).
Issue: Money was not available when promised

Complaint: On XXXX/XXXX/2014 I made XXXX wire transfers to XXXX. After several agonizing weeks the money was transferred back into my account on XX/XX/XXXX and XX/XX/XXXX with {$1100.00} short. The bank stated the difference was associated with the difference in exchange rates and refuses to credit my account nor did they refund my wire transfer fees. 
I think the bank attempted to profit from the exchange rate change and never transferred the currency and returned the money in stead of taking a loss from the opposite rate maneuver.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (I do not know) with CL HOLDINGS LLC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: this is a fraudulent account never open an account with XXXX ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted the company to have status of closed account updated but got no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Debt collection (Other debt) with CONTRACT CALLERS INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CONTRACT CALLERS INC # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well XXXX 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX City residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to New York City Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX City and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX IS LISTED ON MY REPORT TWICE- ONCE ASA JUDGEMENT AND ONCE AS A CHARGE OFF- WHICH IS XXXX NEGATIVES FOR XXXX THING THAT HAS BEEN PAID OFF. I NOTIFIED TRANSUNION OF THISTO BE TOLD THE CHARGE OFF WAS REMOVED AND YET AS OF XXXX/XXXX/15 IT IS STILL SHOWING ON MY REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (AL).
Issue: Fraud or scam

Complaint: I sent {$800.00} by Western Union to my friend who was robbed while vacationing in XXXX. She presented here passport as Identification and the agent had her fill out and sign ( before receiving the cash ) all the paperwork. The agent then called the store manager over to give here the cash because the amount was too high for here to disperse. The manager again inspected here passport and then refused to give her the money because her middle name was on her passport, but not on the money transfer. They then told her that the transfer would be cancelled and I would have to resend it. When I went online to resend it, the transfer was listed as being received by my friend. I then contacted Western Union by phone and was told that it had not been canceled and it had defiantly been picked up. After talking to several more people on that call I was told that the agents in XXXX must have made a mistake and not cancelled the transaction. My friend went back to the agents in XXXX and told them this and they said she was wrong, the transfer had been cancelled. She requested that they call Western Union and talk to them to figure out what was going on and they refused. This transfer was on the XXXX of XXXX, 2016, and ever since then I, and my friend have been trying to get this corrected and find out where the money went. Western Union asked if I would like a formal investigation of this transaction and I told them to do so. Since that time I have heard nothing and am unable to reach anyone that can tell me any information about the investigation, or if the investigation is even occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: Previously had a vehicle loan with XXXX c. XX/XX/XXXX, which was sold /assigned to Santander USA ( c. XX/XX/XXXX ). This was for a XXXX Ford Explorer. Between XX/XX/XXXX and XX/XX/XXXX I was underemployed, then later unemployed. In approximately XXXX, XXXX, the vehicle sustained either internal or external damage to the Transmission. The Transmission was found to be in need of repairs that would cost somewhere between $ XXXX {$1500.00}. I subsequently sold the vehicle as scrap to a junkyard. 
Santander HAS CHARGED THE REMAINING BALANCE OF {$800.00} OFF. 
They are now calling me ( from : XXXX ) ATTEMPTING TO COLLECT THIS DEBT. I know longer have the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Dear CFPB, I recently applied to access my credit with XXXX and was denied based on insufficient credit file and some type of garnishment or suit that appears only on my credit file reported by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016 I called Citi at XXXX and spoke to an agent at XXXX EDT who opened up a Citi Gold Checking account for me with the following promotion code : XXXX agent said long as I make {$1000.00} in debit purchases and two consecutive monthly bill pays I would receive XXXX XXXX miles accounts within 90 calendar days from the date when I completed the offer requirements. All the offer requirements were completed on XXXX/XXXX/2016, and 122 calendar days have passed but the XXXX miles have not been added to my Aadvantage account.

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 10/25/2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I was in a desparate situation when I applied for the loan. as promised I paid my monthly installments but it seemed that the balance was never going down no matter what. I got into a bind and let them know I was having a difficult time paying, the payment was too high for me and the balance barely changed so I had to stop paying my loan. now its doubled again and the balance has increased since I have n't paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In late XXXX I checked my Transunion credit report and found all of my inquiries to be deleted. I logged in today to check my credit score and all of the inquiries are back and my credit score went down : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were deleted ; they need to be taken off again. I did not receive written notification within five days as per the FCRA rules ... therefore, Transunion is in violation of the law.

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 07-06-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: IM HAVING TROUBLE WITH PNC MORTGAGE IVE BEEN TRYING TO GET MORTGAGE ASSISTANCE TO CATCH UP ON MY MORTGAGE PAYMENTS. MY BUSINESS LOST ALOT OF MONEY LAST YEAR FEEL BEHIND BEEN GETTING RUN AROUND FROM PNC MORTGAGE IVE SENT IN A COMPLETE PACK FOR MODIFICATION BUT THEY WONT WORK WITH ME. VERYU DIFFICULT BANK TO DEAL WITH.

Company response to consumer: Closed