milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2016 about Payday loan () with ACE CASH EXPRESS, INC. (MD).
Issue: Can't contact lender

Complaint: I received an email from a law firm yesterday XXXX stating that I have an outstanding balance with ACE Cash Express for {$850.00} which is the settlement amount. It notes that I am being sued by the court. I called Ace Cash Express and I am not in their system at all and this is probably a SCAM. 
The law firm is located in XXXX and the Sr. Officer 's name is XXXX XXXX. In the email which I will attach as a document, says that I am to only respond by email and the call back number for XXXX XXXX is XXXX. 
I have contacted the law firm in XXXX regarding this matter but no response yet. 
This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I would like to report a women that has stolen my identity and continues too use my i to get apartments and houses in my name Ive never stayed in XXXX. 
here are the add. XXXX XXXX XXXX XXXX Fl XXXX. 
XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX FlThis is ridiculous that these apartment complex are not asking for proof of income to prove furthermore the identity of the person as well clearly look at the picture and see that its not the right person. I am furious and she has cause me many sleepless night I would like to press chatrges

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: PERSONAL INFORMATION AND IDENTIFICATION WAS COMPROMISED/ STOLEN BY SOMEONE, AND BANKING ACCOUNTS WAS UTILIZED FOR ILLEGAL ACTIVITIES. AFTER BEING AWARE OF THE INCIDENT ALL MY ACCOUNTS WERE CLOSED BY THE BANK AND REPORTED TO EARLY WARNING SERVICES WITH FALSE ACCUSATIONS WHICH DEFAMED MY NAME AND CREDIT FILE.

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 03-09-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NJ).
Issue: Other transaction issues

Complaint: On Sunday, XXXX XXXX, XXXX, I completed an international money transfer to my niece 's bank account in XXXX, XXXX through Western Union 's online website. I followed the instructions and paid for the money transfer through my bank using Wu Pay. Today, XXXX XXXX, I received a call from Western Union who needed to verify the transaction. I answered their questions, even though I questioned the need for them. When the Western Union representative asked for my date of birth, I refused to give her that information, since I fail to see what relevance this has to the transaction. She said in that case, she would cancel the transaction. I asked to speak to the supervisor. XXXX, the supervisor, said the company was authorized by law to ask these questions. I called Western Union at XXXX and XXXX ( XXXX ) gave me pretty much the same information - that Western Union was entitled to ask these questions and he confirmed that the transaction was indeed cancelled. This is a legitimate transaction and I have used Western Union several times before without any problem. My identity should not have been in question, since Western Union contacted me by email several times over the years dating back to XXXX and I have used Wu Pay before as well. I am lodging this complaint because it seems to me that the consumer has no protection or rights - answer the questions, relevant or not - or be penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Problems when you are unable to pay

Complaint: ON XXXX XXXX 2015 MY CAR WAS REPO BY SANTANDER CONSUMER. THE REPO GUYS BROKE THE LAW FALSE IMPRISONMENT BY BLOCKING ME IN AND PUTTING A WHEEL LOCK ON MY CAR WHILE I WAS ATTMEPTING TO DRIVE CAUSING BREACH OF THE PEACE. THE REPO GUYS FORCED ME TO GIVE THEM MY CAR KEY. THEY DID NOT SHOW ME ANY PAPER WORK. THEY CANE ON PROPERTY THAT WAS CLEARLY POSTED NO TRESSPASSING..

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax completed a dispute on XX/XX/XXXX, stating new information, this after the XXXX account ( closed ) for XXXX was re-inserted after it was removed in a previous dispute. Also. during such time the following un-authorized credit inquiries appeared on my credit report as follows : XXXX XXXX - Dated XXXX XXXX, XXXX XXXX XXXX XXXX - Dated XXXX XXXX, XXXX XXXX XXXX XXXX - Dated XXXX XXXX, XXXXEQUIFAX XXXX XXXX - Dated XXXX XXXX, XXXX XXXX - Dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I recently file for chapter XXXX bankruptcy, in an attempt to get a new start for our family. During the process, our mortgage company ; Shellpoint Mortgaging Servicing notified us that we were eligible for a loan modification. The paperwork came and we filled it out as accurate as possible, providing all the required documents that were needed to go forward with the modification approval. Several weeks went by and we finally heard from a representative stating that she was taking on our case, " the original representative is no longer handling our case ''. This particular case worker needed the same documents all over again, in which we complied. Several more weeks go by and she stated she needed additional paperwork, via fax, in which we complied. Once again we get a letter stating that our paperwork was handed to another case worker ; repeating the same thing the other XXXX case worker stated. Once again my wife and I complied. Finally, we received a letter stating that we were denied loan modification and loss mitigation. Please understand this has been several attempts over the past two years or so trying to get remodified, which lead us to other choice but to file for bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Settlement process and costs

Complaint: Seterus = During the trial modification period ( XXXX/XXXX/16 ) I contacted Seterus and asked how to pay the Escrow shortage so it would not be added to my monthly payments. I received instructions and sent the entire amount due ( electronic transfer from my bank ) on XXXX transaction and the regular monthly payment due on a different transfer. XXXX were received on XXXX/XXXX/2016, however, since that date I have been unable to have the escrow amount credited to the escrow balance. Phone calls from XXXX asking for this, XXXX, XXXX, each time I was promised that it would be done withing XXXX 5 days and to check back with them in a week. I did that and finally today I was notified that it was not going to be applied to the escrow balance at all. They took the money and applied to " fees '' for the final modification, all of the fees had already been added to the loan prior to XXXX/XXXX/2016. 
The final modification contract was never sent to me or my attorney, I was given a story about it being sent to a wrong address in another city, then to their attorney 's office and so many lies. It was finally sent to my attorney just a few days before day of the final foreclosure sale and was not accurate but my attorney advised me to sign so the sale would be cancelled. I signed the erroneous documents that stated the escrow shortage and I notated on the contractthat this amount had been paid. All of the fees prior were included in the BLOWN UP BALANCE THAT DOUBLED MY ORIGINAL MORTGAGE LOAN. I have followed up multiple times and to no avail. NOw they say that it was applied to A MONTHLY payment and I wo n't have to pay another payment till XXXX. 
But since XXXX XXXX, I have paid XXXX payments anyway so the fact that I do n't have a payment till XXXX is not showing me the credit for the escrow payment either. They are now also charging a {$30.00} fee for INSPECTIONS done prior to the closing of the modification contract. They doubled the price of the mortgage without telling me my balance and I was not in a position to move out with 1 weeks notice, so now I owe twice what I paid for the house and the fees are going to keep coming because no one in our government will stop the fraud being perpetrated by these companies. Just look at the number of dissatisfied homeowners that are complaining about Seterus and every other servicer of mortgage loans. These companies do nothing but take advantage of every opportunity to find an additional fee or threaten to foreclose again at a moments notice. I went from being in a bad position to a worse position on this property when I guess doing the right thing will cost me a fortune. I could have walked away and let them have the place ... they would never have gotten this much at foreclosure auction

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unknown hard inquiries from  XXXX   XXXX   and Amazon affecting  my score

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 05/24/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On my  XXXX  &  XXXX  report s Midland Funding Credit is c ollecting on a debt from    X/XX/2012      this is when the debt was charged off. I had medical issues & the original creditor was  XXXX . This was for a computer that was returned to the company that did not perform properly! No w Midland is REAGING t his debt on my credit report. I am getting harassing phone calls at home and on my cell day and night! Please help.   Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There was not a more applicable radio button.

TransUnion changed the way they calculate payments for all consumers. Due to their recalculation, my credit score dropped 70 points in 1 month. This is especially impactful because I just got promoted and am supposed to move to Texas but now I fear it will be significantly for difficult and more expensive to do so.

This seems like a drastic, unfair change.

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 12-12-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (GA).
Issue: Shopping for a loan or lease

Complaint: i partially filled out an application on line to XXXX financal, deleted the app because i changed my mind about it. Then i recieved XXXX phone calls from them about finishing my application so they can process it. I TOLD THEM NEVERMIND i wasn, t intrested in getting a loan from them after all. So today i recieved in the mail where they pulled my credit report as if they went ahead to precess the loan. this is wrong on all accounts. so i have made numerous phone calls to them complaining and they say its a process for them to reverse the inqury. why did they pull my credit info when i specifically told them nevermind. on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 4 loans from XX/XX/XXXX-XX/XX/XXXXhave been paid and still show up on my credit report. I have late payments on current loans in XX/XX/XXXX and XX/XX/XXXX in which was deferred as I was a full time student

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter on the XX/XX/XXXX in regards to a debt for a credit card that midland funding now owns. This is not my debt. I have no knowledge of the debt or a contract with midland funding.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They 're attempting to capitalize on the situation by signing injured parties up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Checking or savings account (Checking account) with ZIONS BANCORPORATION (NV).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I had money in my account to cover all pending fees, bank assesed their monthly fees to my account and pushed my account into Negative and thens tarted charging me NSF fee and daily over draft fees and started finalizing pending transactions and continue to add new {$35.00} NSF fees for ever pending transaction that was there and prior to them assessing their fees. now they are charging me {$35.00} + {$5.00} daily over draft fee for every pending fee that should have been paid first instead of them taking their monthly fees first and then pushing every thing in the red.

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 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ridge & Valley Realty, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Credit Systems Inc will not remove a debt this is not mine. This item was paid in 2012 and not accurately being reported on the credit repositories and should not be reporting violating the Fair credit debt reporting act for Colorado. They provided a letter in which is a system generated letter advising they would do this but refused to sign as requested as this would validate and make the letter creditable so I can purchase a home. XXXX XXXX Manager, and XXXX XXXX representative for this company refused to sign.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (NY).
Issue: Settlement process and costs

Complaint: Among all of the issues I had with our mortgage broker and being harassed, the XXXX issue that I am infuriated with is not being provided with our loan estimate details at any point during the loan process after we submitted our mortgage loan application and had to come up with a large sum of money 3 days before out closing. I was informed, later that the loan estimates should have been provided to us within 3 business days of submitting the application. We met with our broker on XXXX/XXXX/16, he wrote down figures on a blank sheet of paper, we signed some forms and met at my workplace the following week to provide additional requested documents to my broker, he told us to date all of the documents XXXX/XXXX/16 as that is the dare that we met. I followed up via email the following week and the broker confirmed the application was submitted on XXXX/XXXX/16 yet when I submitted my complaint to my bank, they are claiming that I received the loan estimates and provided me with a copy ( first time I saw this ) which was dated on XXXX/XXXX/16. I am confused how the loan details were already " generated '' before the loan application was submitted, why the broker scratched everything down on a piece of paper if the document was already created, why this document was never emailed, mailed or delivered to us in any manner at any point and I am now convinced that this was something was not just overlooked but was falsified. I was unaware that we were supposed to receive this document until I was reviewing our closing disclosure- and questioned the required funds with the broker and my attorney because it stated we needed to come with several thousands of dollars within 3 days. If I would have received the loan details within the 3 business days of submitting our application as mandated, then I would not have become stick, have XXXX, needed to scramble for answers regarding the discrepancy and for additional funds. Additional, I was later harassed by the broker and then he told me his job was in jeopardy- why would he state this if he did nothing wrong? We received our loan commitment, clear to close, closing disclosure and other documents however not the loan estimates " conveniently '' were never sent to us at any point.

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 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Enterprise Systems, Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: National Enterprise XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XXXX XXXX Reported XXXX/XXXX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.

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 03/31/2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Cavalry portfolio services have placed a open collections on my credit report XX/XX/XXXX. This is a re-age collection that was re-added to my credit. the original creditor was XX/XX/XXXX XXXX card.this information is FALSE because the card was never open XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my Transunion credit report. The credit report showed several credit inquiries that I do not recall authorizing. I reached out to Transunion and when I explained this to a rep on the telephone that they've placed inquiries on my file that I have not authorized they said theres nothing they can do nor was proof given. These inquires were not authroized by me, they are damaging and are making it very difficult for me to acquire credit. 
I have listed below the names of the inquiries 1. XXXX/XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX 5. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX I look forward to your assistance with getting this matter resolved, Thank you for your help.

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 12/19/2016 about Credit card () with Alliance Data Card Services (OH).
Issue: Other

Complaint: On XXXX XXXX, 2016 I ordered -item number XXXX smart phone from XXXX. Paid {$680.00}. 
I received it on XXXX XXXX, 2016 at XXXX. 
Delivered by XXXX On XXXX XXXX, 2016 ( Sunday ) I was charging my phone as usual ; I tried to turn the phone on and it would not activate. The phone felt hot to the touch, so I unplugged it. 
I then on XXXX called Home Shopping Network ( HSN ) to see what could be done ; The first customer representative told me they would replace it or work something out since I had not had the phone long. She said to call XXXX to see if their warranty would cover me getting my phone fixed or replaced and if they would not take care of The problem come back to Home Shopping Network. 
XXXX XXXX, 2016 called HSN and Customer Service rep said she would check- come back to the Phone and said they could not help me as I was past their warranty date I asked to speak to the Supervisor, XXXX and she said the same thing past my time with HSN . 
I went to the XXXX XXXX XXXX store to see if they could fix it and they could not Went to XXXX rep at the XXXX XXXX store and he could do nothing. 
As of XXXX XXXX, 2016, I still have no phone and I am out of {$680.00}. 
I called XXXX and was pretty much given the run around ; Sent the phone to them and Still nothing. Their Phone number is XXXX XXXX Texas . 
I have purchase a lot of product from HSN ( and for them not to try to help a long time customer is terrible, if can not get some kind of refund, or credit my HSN credit card.

Company response to consumer: Closed with monetary relief