milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2016 about Bank account or service (Other bank product/service) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I sent XXXX to a person in XXXX XXXX via " MoneyGram '', on XX/XX/XXXX the person attempted to withdraw the money at XXXX different location and He was told that the full amount was not available for withdraw, the XXXX places in question are " XXXX XXXX '' and " XXXX XXXX XXXX ''. I call " MoneyGram '' and they say the full amount was ready for withdraw and gave me the name of another institutions where the money could be withdraw, this creates an issue for both the sender and the receiver because more time is wasted on phone calling and to figure out a way to withdraw the funds. 
Situations like the one mention can discourage persons like myself to continue using " MoneyGram '' Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I tried to make an additional principal payment of XXXX. My mortgage allows curtailments and prepayments without a penalty. I was told by Wells Fargo representative on XX/XX/XXXX that I first have to make my regular payment first. I asked if I made a payment on XX/XX/XXXX whether my autopay for XX/XX/XXXX would still come out and I was told it would not. I made a regular monthly payment and an additional principal payment of XXXX on XX/XX/XXXX. The Wells Fargo representative was wrong and my regular payment was also taken by Wells Fargo autopay. My main concern is that the second payment also charged interest and escrow rather than being applied to principal in entirety. I object to paying duplicative interest and escrow payments in XX/XX/XXXX. I ask that my second XX/XX/XXXX payment be applied to principal. In addition. Due to wrong advice from WF representative and additional payment processed by WF one of my cc payments was rejected due to insufficient funds

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 09/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: According to the original agreement for my students loans ( and the information on Pennsylvania Higher Education Assistance Agency website, FedLoanServicing ), I can choose which of my two loan payments receives the greater amount of money after satisfying the minimum due each month. As a XXXX veteran with increasing physical ailments who is finding work difficult, I attempted to pay down my unsubsidized loan. I tried to use their online distribution box to do so, but the boxes are fake and do not allow me to split the amounts ( I 'll attach a screenshot ). On XXXX/XXXX/16, I applied {$500.00} extra via the online site in the belief they would at least divide the amount equally between both loans. They did not, instead paid the larger amount towards the subsidized loan. I called customer service and was told to specify the loan number and " Sequence XXXX '' on the check, to make sure my extra payment would go to my unsubsidized loan. I did so and again, they failed to apply the second {$500.00} as directed on my check cashed on XXXX/XXXX/16 and instead split the amount, paying more to the subsidized loan, in direct opposition to my instructions. Normally, I could send a copy of that check but the company destroyed it and instead sent an electronic notice to XXXX XXXX XXXX, which I will attach. I have written them to correct the billing immediately before I take legal action. I intend to send this to XXXX XXXX, President Obama, Representative XXXX, XXXX XXXX, XXXX XXXX, and in the hopes that they will investigate Fed Loan company for fraud. I also need help in moving my account to a reputable company. Thank you for any assistance you can provide. -- XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XX/XX/XXXX, a property in XXXX, XXXX was purchased using my credentials. When I learned of this, I immediately discovered all pertinent information about and had a police report taken in my township of XXXX XXXX, XXXX. Local police forwarded the matter to the FBI in XXXX and then they forwarded that to the White Collar Division of the FBI in XXXX. Many debts appeared from this fraudulent address of XXXX XXXX XXXX, XXXX, XXXX and all other matters were discharged ( I even sued a bank and credit reporting agency successfully since XXXX bank sold mortgage to a XXXX bank after I disputed the transaction ). Also, other debts using a false XXXX State Driver 's license were also undertaken, but all were successfully mitigated. Now, I 'm still getting harassed every few years over a XXXX XXXX for the same address. Dynamic Recovery Solutions calls me continually on my work cell phone ( a State of XXXX owned phone number for the record ) and my home phone number. I sent them a cease and desist letter on XX/XX/XXXX which USPS says was delivered to them on XX/XX/XXXX. I have received 2 calls since that time. Make them stop or I will sue. Since this debt is obviously over 10 years old, they have to stop also. I sent them in a letter to " XXXX '' my name and the phrase " Identity Theft '' to see that this was well published in many newspapers ( I even made the front page of XXXX XXXX ). I was also interview by XXXX XXXX and my situation was seen on XXXX nationally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: [Letter # 4]  Experian plc XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {

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 03/20/2016 about Debt collection (Credit card) with URS Holding, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: About 5-6 years ago, I opened a charge at XXXX XXXX since I received a XXXX % discount on a snow blower I purchased. I also received 6 months of 0 % financing. I signed up for e billing and paid the debt off according to terms. 
XX/XX/XXXX and XX/XX/XXXX, I used the XXXX credit card for the first time since that purchase to buy {$180.00} worth of flowers, pots and assorted garden items. Over the coming months I went about my business and forgot about the purchases. In XXXX, 2015 I received a call from a XXXX representative that my account was past due and a payment had n't been made since my last purchase ( in XXXX ) .. I immediately wrote and mailed a check for {$170.00} ( I had returned a bad plant for a {$2.00} credit ). 
The check which was accompanied by a letter with my account number, incorrectly was credited to my XXXX XXXX account also managed by XXXX. After calling them, the check was reapplied to my XXXX account. 
During the period XX/XX/XXXX thru XX/XX/XXXX I never received either a paper bill or e bill. I communicated this to both XXXX XXXX and XXXX reps. XXXX sent me copies of the missing XXXX bills which were in their system, but never sent to me in any form during the period they were due. 
I pride myself on promptly paying my bills on time. I am XXXX years old and have a credit rating of XXXX. This is not a " dog ate my bills '' story. I assure you I never received bills for four months in any form. My balance is now {$240.00}, ALL finance and past due charges which I refuse to pay since I paid the {$170.00} for the merchandise I purchased once XXXX contacted me. Thank you for your consideration.

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 03/27/2018 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX XXXX XXXX XXXX in XXXX ca changed the locks on us at our apartment prior to the end of our lease. At the time we were mostly moved out because our lease was ending soon and we purchased a home. we contacted XXXX about the issue and notified them that we had mostly moved out and noticed they changed the locks. they denied changing the locks and a few days later forged a letter in our names stating that we had not moved out and let town for a family emergency but promised to pay through the end of the lease including any late and cleaning fees. We notified XXXX XXXX XXXX management company, XXXX regarding the matter and they refused to investigate as it appears to be a company practice of forging documents on behalf of tenants in their managed properties. nonetheless, XXXX sent us to collections and we disputed charges based upon fraud for them forging documents in our name. we agreed to accept liability for changes through XX/XX/XXXX, which is when they changed the locks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RFNA, LP (MS).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: As a co-signer on the loan, the primary defaulted ; however, the lending company did not use my driver 's license information ( on file ) to send documents to my address. Instead, in violation of 806 and 805, a sheriff was sent to my place of employment and the summons handed over ( not in an envelope ) to my HR Manager. My personal information was handed over to a third party at my place of employment. I would like to file a complaint since the summons was not sealed and any individual in HR could leaf through the documents and by contacting me at work rather than at home, I consider this a form of harassment. 

It appears as though an administrative error occurred during the paperwork process which showed my address incorrect - the house number and street was correct, but the city and zip code was erroneously typed by the clerical staff at Republic Finance. The proper information ( copied on my driver 's license ) was never provided to the Sheriff 's department to deliver the summons. The sheriff was instructed to deliver to my employer rather than contact me at home. As such, the summons was drawn up on XXXX XXXX but the documents not sent to Sheriff until XXXX XXXX - therefore, I have lost my 30 days to respond. As a co-signer, I recognize that I now am responsible and I am willing to make arrangements, but I need to receive the proper notification and have the time to respond. I would like my 30 days back to address the summons and I would like a formal complaint lodged against both Republic Finance and XXXX XXXX XXXX. 

Finance Company - Republic Finance, XXXX, XXXX XXXX XXXX - XXXX, XXXX, MS

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. This is evident from checking against https : //trustedidpremier.com/XXXX which resulted in the message saying Based on the information provided, we believe that your personal information may have been impacted by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (Store credit card) with ID Analytics, Inc. (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I received a letter of denial after applying for an XXXX XXXX XXXX account through XXXX XXXX Bank, whom I already have 2 other cards with. The letter indicates their decision is based on information from a company called SAGESTREAM , LLC and this company indicates my credit score is  XXXX ( on a scale of XXXX?! ). I monitor my credit score closely and there is a big discrepancy with the information this supposed " credit bureau '' is reporting to creditors, compared to the credit score i maintain with the 3 major credit bureaus. I am concerned that this company, XXXX, is fraudulent and/or the letter of denial in whole is a scam to obtain my personal information. Additionally, I work in the finance industry, in collections, and in the 5 years I 've been employed by a credit reporting agency, I have never heard of this supposed credit bureau, SAGESTREAM.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax allowed a breach of security to have my identity stolen. I am filling my official complaint for this oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with Focus Holding Company (AR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: XX/XX/XXXX  : This appeared on my credit and I called the current debt collector of this   XXXX   XXXX   told them and I have never had an account with this company asked for proof to be sent I signed for this .. Proof was never sent and it was removed once I disputed this.. This was sold to another 3rd party debt collection agency and it has been put back on my credit ..I have disputed this over 6 times times and it was removed from my   XXXX   credit report but not  XXXX .. If this was mine I could have filed it under my bankruptcy in  XX/XX/XXXX .. And also  XX/XX/XXXX ..my apartment complex burned down .. I made the front page of newspaper that I lost everything.. my address does n't match wherever these people claim I had service.. no one has sent me proof of a bill or where I have signed a contract for this rogue account.. Where is the copy of my drivers license or signature on a contract??. This is not my account.. have no knowledge of this account.. this shows my credit under Focus Receivables Management   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , GA   XXXX    XX/XX/XXXX  {$700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Other debt) with KeyBridge Medical Revenue Management (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I sent a certified letter # XXXX to XXXX XXXX XXXX requesting verfication/ validation of this alleged debt of {$2300.00}. I received notice on XX/XX/XXXX that letter had been received by XXXX XXXX XXXX. I have received no response as of this date from this company. I placed a call on XX/XX/XXXX and spoke with XXXX and was told to contact original creditor because they had no information on this debt in their office. I requested that she send me that statement in writing within 5-10 business days. I have not received that letter and this debt is still being reported negatively on my credit report as of this date. I have no knowledge of this account, and have not signed a contract of any kind with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (I do not know) with The CMI Group, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ca n't understand how my credit is low when I do n't have any debts but it 's showing that I have XXXX different amount of debt to the same company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2017 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I went on to my pennymac acc to make my payment and noticed that my payment for XX/XX/XXXX was {$500.00} more than the monthly payment I have made all year I called pennymac and asked them why and they told me that they had to pay more on my escrow and that they are going to charge me {$500.00} more for the rest of the year I CAN NOT AFFORD MY PAYMENT FOR XX/XX/XXXX AND WOULD NOT HAVE GOTTEN THE HOUSE IF I KNEW THAT MY PAYMENT WAS GOING TO JUMP {$500.00} THE NEXT YR THIS IS NOT MY PROBLEM AND IT NEEDS TO BE FIXED NOW!!! 
SOMONE SOME WHERE MESSED UP AND DID NOT TELL ME I WORRIED THAT IM GOING TO LOSE MY HOUSE THERE HAS TO BE SOME WAY THIS CAN BE FIXED!! 

AND THEY DID NOT SEND ME ANY NOTIFICATION THAT THIS WAS GOING TO HAPPEN!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Credit reporting () with Credit Plus Inc (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There were XXXX fraudulent charges placed on my XX/XX/XXXX card. My card had a zero balance for almost a year so I was n't aware of these charges, or the following late fees place on my account because of them. The email address tied to my card was old, and the credit card company ( XXXX ) did n't mail me a statement. XXXX XXXX has agreed to remove XXXX of the late fees but not all of them due to a {$39.00} membership fee that was applied to my account. Now my credit report is showing a XXXX score when I had over XXXX originally. I found out about the charges while going through a refi on my home and my mortgage lender saw it on my credit report. He advised me to reach out to you for help. I keep up with all of my other cards and debts in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NE).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Equifax has not been allowing me to get a report directly from Equifax any time I go online. I have called their customer service, I have even send in all the verification information such as DL, paystub, SS #, utility bill in my name and address etc. 

Equifax has the verification process set up to only provide questions that are totally unrelated to the person trying to get access. I have been dealing with this issue for over a year. 

Additionally, they show through 3rd party credit review sources that my credit score is over XXXX yet they told a creditor requesting a line a credit that my score was XXXX, while another creditor they gave a score of XXXX. 

I have to assume that this fraud is purposeful by Equifax. There is no excuse for never being able to get the free annual report through the website. I have upload verification as well as the letter and proof of identity I sent in XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (FL).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They call several times daily and late in the evenings

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 and Experian are reporting a state tax lien that should have been deleted last year. I have call them to remove this item from my credit report and of this date ( XXXX-18 ) it still remains. XXXX deleted this item last year.

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 01/23/2016 about Credit card () with CITIBANK, N.A. (ID).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX 2015, I received a call from my XXXX XXXX consumer fraud department that they detected fraudulent charges. Someone purchased XXXX trips from XXXX, totaling {$1000.00}. I confirmed the charges were not mine and they shut off my card and promptly sent me a new one. The company also mailed an affidavit, which I filled out and returned. The company told me it would take up to 2 months for the charges to be removd from my account. Numerous phone calls, hours spent on the phone, and 5 months of paying interest on these fraud charges, they remain on my account and no one is a ble to help me. They claim they lost the affidavit and have supposedly sent me two more out, which I have not received. I have escalated this and they keep telling me that it is going to take two more months for the charges to disappear from my account. I have been paying interest and battling this company for 6 months now, when it should have been resolved months ago. I feel they are unable to resolve this and I am out of options.

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 03-03-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation