milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Incorrect/missing disclosures or info

Complaint: ON XXXX AT XXXX, I SENT MONEY THROUGH XXXX XXXX XXXX MONEYGRAM LOCATION XXXX XXXX XXXX XXXX AND DURING THE PROCESS, THE AGENT CLEARLY SAID TO ME MONEYGRAM HAS A NEW POLICY TO REQUEST PHOTOCOPY OF ID AND ALSO I MUST WRITE MY SOCIAL SECURITY NUMBER ON THE PAPER HAVING MY ID PHOTOCOPY. I SAID IT WAS NOT FAIR TO REQUEST ID PHOTOCOPIED PLUS SSN .HE SAID IF I DOUBT, I CAN GO TO XXXX XXXX .I WAS IN AN URGENT SITUATION SO I SENT THE MONEY .BUT BETWEEN XXXX AND XXXX I CALLED MONEYGRAM HEADQUARTER TO ASK IF THEY HAVE A NEW RULE TO REQUEST ID AND SSN? MOREOVER, I ASK MONEYGRAM TO SEND ME A WRITTEN COPY STATING CLIENTS MUST PROVIDE ID+ SSN ; XXXX SAID IN SOME CASES WHEN THE AMOUNT OF MONEY BEING SENT IS HIGH, AN ID IS REQUIRED BUT NO SSN. SHE ALSO SAID IN MY CASE MY AMOUNT SENT WAS LOW AND I WAS WRONGED BY AGENT. THEN I FILE A COMPLAINT ( CASE XXXX ) BECAUSE SHE SAID I WAS WRONGED BY AGENT .WHY WILL AGENT TREAT ME DIFFERENTLY BY REQUESTING EXCESSIVE INFORMATION THAT ARE VERY SENSITIVE? NOW, I AM VERY SCARED MY INFORMATION MAY BE USED WITHOUT MY CONSENT OR FOR OTHER PURPOSES WITHOUT MY KNOWLEDGE. IF AGENT IS WRONG, WHAT CAN MONEYGRAM DO TO ENSURE ME THAT I WILL NOT BE AN IDENTITY THEFT VICTIM BECAUSE AGENT HAD ACCESS TO MY SENSITIVE INFORMATION? 
BEST REGARDSXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MarkOne Holdings, LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: All my accounts are included in the bankruptcy. These accounts need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 04/20/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a substantial amount of student debt, upwards of XXXX in Federal loans and another XXXX in Private student loans through wells fargo. I called Wells fargo and explained my situation and the fact I only make XXXX a year.. so essentialy the amount they are asking for me to pay monthly would cause a hardship for me and not allow me to save any money in case of an emergency or move up in life IE. Buy a house, have a family. After Wells Fargo had me submit all of my paperwork for the hardhsip they recently contacted me that I was not approved for the hardship request and that I would have to continue to make the payments they demand. Wells fargo is soo unwilling to help students like myself who feel trapped by the burden of having such large payments due on a month to month basis. I essentially feel enslaved by this. Please help me lower my student payments at least to the levels of federal loans where the payment is more manageable. Also the high interest rates on Wells fargo loans are upwards of 10 percent which only causes a never ending cycle of debt for student like myself. It makes me wish I could return my degree given that I am not currently working in the field I studied. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 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: Account information incorrect

Complaint: XXXX XXXX is reporting account is charged off when it was paid in full.

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 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is not only stating that they will not investigate specific accounts anymore ( which Congress states is a violation of section 1681 as I am providing specific details in regards to the accounts that I am disputing ), but they are also required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that # 1 these accounts are verified and accurate and # 2 that they will not investigate certain accounts anymore. 

If you see XXXX V XXXX 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency XXXX, XXXX and TransUnion several times.

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 05/26/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: RE  : Convergent Outsourcing /   XXXX  Sin ce 2012, I ha ve had a number of different debt collectors contact me regarding a bill to  XXXX . The amount claimed owed is {$1100.00}. I have explained to eac h one of them  that the debt is inaccurate and disputed for multiple reasons, primarily because I had called  XXXX  personally back in  XXXX   2012 and e xplained the problems I has having with their service. The CSR I spoke with said  XXXX  would waive the {$300.00} per line EFT ( early termination fee ) ; yet, for whatever reason,  XXXX  apparently charged the debt off as bad debt and sent it across the country to a  XXXX  different debt collectors, some of whom briefly reported it to my credit history.     I have received no written notice from Convergent Outsourcing it is  the ( latest )  agency trying to collect this disputed debt. The first I heard of it was when alerted by my credit-monitoring program that a new collection was reported by Convergent.   Worse, I do not see them so much as reporting it disputed, despite the fact the debt was been disputed at least a half-dozen times over the last 5 years. I am aware that various state and federal consumer-protection statutes, such as the Fair Debt Collection  Practice Act, requir e the disclosure of dispute whenever communicating about a disputed debt. I dont apparently even get that courtesy here.   I realize that Convergent is in the business of collecting debt, and is simply following through on its clients wishes, but it nonetheless has an obligation to do so correctly. I would ask that Convergent request whatever tradelin e ( s ) it r eported to be deleted, and for it to return the account to  XXXX  and properly inform them of the problems outlined here, so t hat God willing  and the creek dont rise this is the end of this saga. 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 05/17/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To Whom it may concern : I am writing to inquire why my credit report continues to be downgraded when I pay my bills on time and in full. I was made aware of my latest credit score when I recently went to XXXX XXXX in XXXX XXXX to lease a new car. The deal I negotiated was for {$330.00} per month on a 36 month lease with {$2000.00} as the down payment. However, the dealer came back and said they could not get this deal approved due to my mediocre credit score. This was to my surprise as I recently pulled my credit from XXXX XXXX on XXXX XXXX and my credit report was as follows : XXXX XXXX XXXX XXXX Equifax XXXX Consequently, I called XXXX and they disclosed that there are XXXX different credit reports. My understanding is the XXXX credit agencies issue different credit reports for car dealers and financial institutions. I really need to understand how there can be a discrepancy from XXXX report to the other. I do n't believe this is in the best interest of consumers. Is there any way your agency can help in correcting my credit score so it is reflected in the most optimal way? 

I thank you in advance for your assistance and do appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (I do not know) with U.S. BANCORP (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: A person contacted me from XXXX, named XXXX XXXX, saying that I owed a debt to US Bank for {$350.00} from 1998 but with interest it is now {$760.00}. I do not remember this debt but did file bankruptcy in 1998 so if I did have it, it was discharged. They continue to call me and threaten to keep calling until I pay them. They have been harassing me at my work phone number.

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 09/23/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NC).
Issue: Managing the loan or lease

Complaint: I forgot to set up auto pay but never received a late payment notice or a phone call from Wells Fargo. The first time that they called me I answered the phone and when they told me I was late on one payment and the next payment was due, I immediately paid them both and went online and tried to set up automatic payments. Which I had to do at a later date because it would n't allow me to do it on the same day that I had scheduled a payment. It was n't until I applied for another loan That I found out they had reported it as having gone to collections at the credit bureau, although they had never started a collection process. They Temporarily ruined my credit, we were unable to make the purchase and it caused me great concern about restoring my credit. I contacted them and the credit bureau. They would do nothing to help and said they consider a loan to be in collections a week after it is due. What an abuse of the power they have over consumers.

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 08/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I attended college in the XX/XX/XXXXs and graduated in the year XX/XX/XXXX. My total amount of my loans topped at {$8000.00}. In the 17 years since graduation I have paid thousands towards my loans. They changed hands a couple of times finally landing in control of Navient. It was not my choice to have my loans under different lenders. Now after 17 years and trying to dispute this through my credit report without success I owe a balance of {$8500.00} which is {$590.00} more than the gross of my original loan 17 years ago. I have now been left with only the option of filing a complaint with three different agencies. I am well aware of the lawsuits files and feel I have been wronged through my student loans. I was steered wrong by both XXXX XXXX and Navient. I can not log into XXXX XXXX to see my history buy according to Navient my loan was disbursed in XX/XX/XXXX which is incorrect. It disbursed in XX/XX/XXXX and XX/XX/XXXX and completed in XX/XX/XXXX with a max of {$8000.00}.
My loan actually reached its term to be paid in full in XX/XX/XXXX. Since XX/XX/XXXX, I have paid {$4100.00}. This does not include what was paid to XXXX XXXX before this. Navient has taken every payment I have made and used it for fees or capitalized interest plus some leaving me owing {$590.00} more than my original loan. 17 YEARS LATER. This is why I stopped payment on this loan. I was getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Fedloan servicing reported XXXX of my unsubsidized loans as " paid in full '' and removed them from my credit report following a loan payoff. Recently, they " reopened '' them with a balance of several cents and put them into " repayment '' status, with no explanation. I am currently in school full time. They have not responded to my inquiry. I wish to have these loans closed again since they were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ray Klein, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been summoned to small claims court over a debt for a doctor bill. I had been paying on the debt the best I could and it was turned over to a collection agency. The collection agency has sent me XXXX letters and I have received no phone calls. The amount of money that they say that I owe is more than the agreed amount that I had arranged with the doctor. In the XXXX bill they sent me was in XX/XX/XXXX and the doctor bill was inflated by about 300 dollars and there was a hospital bill that did not belong to me from 2004. The next bill I received was just for the doctor bill ( still inflated ) and there was a threatening note above the statement that stated : We have tried to contact several times and you ignored us, so unless you respond we are going to have to file suite . So, I responded. They did not like my response so they served me papers. I had offered to pay the amount that I owe but they would not except that offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05-08-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AK).
Issue: Credit card protection / Debt protection

Complaint: Every few months or so, my credit card is compromised, and I am forced to change cards, and all my auto payments that are made using it, need to be changed with all companies that I do business with. If that is n't bad enough, I can not find out who / what company it is being compromised by ... so I can opt to pay cash at that company in the future. This is a waste of my time and energy - having to change everything all the time. I deserve to know what is going on with my card if I call and ask.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Settlement process and costs

Complaint: This is not a complaint per-se. This new case is submitted merely out of our need to have this matter mediated / witnessed by a third party ; based on previous interactions with Ocwen. 

We see that the latest notification letter received, dated XXXX XXXX, 2016, attached to the current agreement for the short sale, gives 14 days from its date of drafting for homeowners to apply for the HAMP in lieu of finalizing settlement on the buyer 's purchase. We foresee being able to assume the HAMP loan in the very near future, after we are placed in the jobs we now seek, with the provision of the payments not being substantially more than what they were quoted to be in the XXXX XXXX, 2016 offer. 

Though our MD HOPE Program attorney, XXXX XXXX XXXX of XXXX, XXXX and XXXX XXXX, has been absent from work for a few days because of some pressing concerns of his own ; he is still very much in charge of our dealings. However, we are launching the request to cancel our short sale through this venue and the other corresponding method in the interest of time. He will resume administrating our affairs shortly, and again ; all correspondence from Ocwen and its associates must pass to us THROUGH XXXX XXXX. 

If we have signed something which binds us to the settlement we will call on the fact that we are still within the 14 allotted days for changing our course. The ultimate objective of this arrangement ( which is under the auspices of the HAMP / HARP program ) is to help the homeowner keep home ownership if at all possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (FL).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX - We received our annual notice on how to cancel PMI and the requirements to cancel PMI, which states we need a LTV ratio of 80 %. Document states " or according to your contract ''. 
XX/XX/XXXX - Called to verify the requirements to cancel according to OUR contract. 
We requested the forms needed to cancel PMI because we believed we qualified for the cancellation, or if we did not, we would qualify within 6 months ( one of the requirements within their notice ) XX/XX/XXXX - The mortgage company mailed our packet for PMI cancelation which again included the requirements to cancel PMI. ( note : no where on this form does it say " or according to your contract ''. ) XX/XX/XXXX - I again called the mortgage company to verify these were the requirements for MY mortgage as well as verify the calculations for loan to value ratio. ( I was told to take the remaining loan principle and add 20 %, my appraised value needed to be higher. Even when I asked explicitly, " are you sure I do not take the appraised value and subtract 20 %, and my principle needs to be lower? '' I was assured by the person taking my call, XXXX XXXX, and her supervisor, XXXX XXXX, that I was incorrect. 
XX/XX/XXXX - With the assurance of the letter and phone calls, we sent our check for {$350.00} to get our house appraised to have the PMI removed. 
XX/XX/XXXX - Mortgage company sent a letter of receiving our check. 
XX/XX/XXXX - Appraisal was completed. 
XX/XX/XXXX - Mortgage company sent letter denying our request. 
XX/XX/XXXX - Mortgage company added a note to our file that our contract states that we must be at 75 % XXXX under 5 years ( we were 7 months shy of our 5 years ). 
XXXX, XXXX - After receiving our denial of PMI cancelation, I called and talked with XXXX XXXX, who confirmed the actions on XX/XX/XXXX. 
XX/XX/XXXX, XXXX I faxed a letter to the mortgage company with all of the above actions outlined on the letter. 
XX/XX/XXXX - the mortgage company sent a letter stating " we apologize for any misinformation you may have received from our Representatives '' and continued to tell us the " new '' information of 75 % LTV ratio. 
XX/XX/XXXX - Received my annual notice concerning PMI and the requirements to remove PMI. AGAIN, the letter states my LTV must be 80 % or less. 
XX/XX/XXXX - meet with a Lawyer about actions we should take. Suggested giving the mortgage company one more chance by submitting a complaint here.

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 08/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Why is Select Portfolio Servicing allowed to charge me {$5.00} to pay my mortgage online? XXXX XXXX XXXX does this if you pay past a certain date but I am able to go into a branch and make my payment in person. SPS does not have this same opportunity. This is ridiculous and should not be allowed.

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