milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (UT).
Issue: Other transaction problem

Complaint: I have been using Western union for 3 years to help my family financially in XXXX. So far, I have n't had any problems, but unfortunately when the problem came it came big. I sent XXXX dollars to my sister yesterday ( X/XX/2018 ), the money was to pay for my mom 's utilities. This morning my sister went to the bank to get the money, same bank she always does, then she called me saying she was at the bank and they told her that the operator was telling her that the transaction was canceled by me. they gave her a receipt showing the status. I checked in my WU account and showed her that the transaction was not canceled. She showed the bank operator and he said : while the status is as canceled here i can not do anything. There is one thing really important to know about WU system, once the bank operator types the tracking number to check anything, the system automatic sends me an email saying that the money was picked up by the receiver and also registers it as delivered, but the money actually was n't delivered. So when I called WU to tell them what happened and ask for help they told me the money was delivered. I said that was n't, explained everything to them and now they want to open an investigation that will take 20 days. Super Fair huh, my mom does n't get the money, i do n't get the money back, but instead they keep the money. I am super frustrated with the situation, last month i sent a total of XXXX XXXX XXXXo XXXX, imagine if this has happened? I just ca n't trust them anymore. One of the girl on the phone told me that the money was picked up in a XXXX, that is in a state that I do n't know anyone there. so was fraud, I asked her and she refused to give me information. So I would like to end saying that : 1- their operators speak terrible English, I literally cried on the phone because I just could n't understand what they were saying and they refused to get someone on the line that could speak the language. 2- They need to change their system, what kind of system that complete the transaction registering that the money was delivered when it was n't? When they bank types the tracking order, he is just checking what is in there and not delivering the money, after entering the tracking number then comes the questions to know if the person is there trying to get the money is the real one, then he needs to check the status of the money, if it is already available etc ... They have to fix that and get the system only register the delivery when the receiver has the money in hand.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On XXXX XXXX, 2017 I submitted a signed annual Public Service Forgiveness Employment CertificationForm and called FedLoan to confirm my form was received. I was told it takes 10 business days to process. Approximately 10 business days later I called to get a status on my form. I was told it takes 15 business days and to call back and check the status again. I then asked to be transferred to the department that handles the processing of this form. The person I spoke to in the department said she looked at my form and that everything looked good and that it could take a few more business days to process. On XXXX XXXX, 2017 I called again to check the status. I was told by the person that answered the phone that it takes up to 60 business days. I asked to be transferred to a supervisor to get clarification on why the timeline processing keeps getting changed. The supervisor I spoke to looked at my formand said that on Section 3 number 3, I did not input the city and state of my employer. He asked that I resubmit this form with the city and state in that section even though it already contained street address and zip code. I then asked him if the city and state could be derived from the zip code that was in the form of that section. The supervisor told me the zip code did not matter. After getting off the phone I tried to utilize their automated system to complete this section but it did not allow me to enter city and state. It only allowed me to enter street address and zip code. I called again the same night and spoke with XXXX ( employee XXXX ) and asked if I could transfer to someone that works with processing the form I submitted. She refused to transfer me and said no one from that department takes phone calls. I then asked to be transferred to a supervisor. She also refused and said that everyone went home and I would have to try again the next day. I tried explaining my situation with entering the city and state and she said that I had to do what the supervisor said to do on the previous call. I continued to explain that their automated form did not allow me to enter city and state. She refused to try and help me. Her only advice was to print and write city and state on the form and resubmit. I took her advice and wrote in the city and state in that section and resubmitted the form. I feel that the form is still going to be found unsatisfactory even though I have done everything they have asked me to do. They are finding reasons not to process my paperwork in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: After speaking with Navient on XX/XX/XXXX after several times, I am disappointed in their lack of helpfulness in allowing me to make student loan payments, but instead I am having to continue using forbearance due to my inability to make payments in the amount of {$350.00} that the company has set forth. 

On XX/XX/XXXX, I sent an email to XXXX which stated below : " Dear Navient, I am writing in regards to my upcoming student loan repayment. After months of going over my finances ( budgeting, reductions, etc ) and reviewing my current household dues from mortgage and utilities to childcare expenses, I am still unable to afford the payment of {$350.00} that Navient has set. The amount that would be most affordable to me is {$150.00} at best. 

I am asking Navient to meet this request on me and my family 's behalf to ensure that I am able to pay my student loans on time and in the affordable amount as to avoid delinquency or default. 

I ask that please strongly take this request into consideration. 

Sincerely, { name } '' The letter above was written to explain my current financial situation and the amount that is affordable to me. Navient called me on XX/XX/XXXX and left a voicemail to call back which I hoped would be for us to work out an affordable payment plan. I returned the call and spoke with Navient on XX/XX/XXXX to see about options of lowering my payment plan that was due on XX/XX/XXXX. During our discussion, Navient told me that I should be able to make the payment they have put in place in the amount of {$350.00} due to my household income, although they are not fully aware of our financial circumstance or other obligations. 

They let me know that there was nothing that they could do to help me lower my payments and that the only option was to pay or use up more forbearance. I had 7 months of forbearance left. My goal was to not use forbearance unless my family stumbled across hard times in which it would truly be needed ; instead I wanted to make payments to Navient in an affordable amount. 

Since telling me that I am unable to lower and make those payments, I am now using 3 of those 7 months of forbearance and I am set to start back making payments on XX/XX/XXXX. I am at a lost for what to do here now but it seems that Navient is not concerned with helping borrowers make affordable payment plans as they proclaim, but instead command us to abide by what they believe is affordable according to their standards.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (Conventional fixed mortgage) with Capital Markets Cooporative, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: CMC Funding has not been able to make accurate nor timely personal property taxes, even though there has been adequate funds in my escrow account for this purpose. My taxes are to be paid in XXXX and XXXX. The XXXX payment was in arrears until XXXX of 2015. CMC Funding assured me that this would not occur again, and that they would work with me. I received a delinquent tax notification from my county that the XX/XX/XXXX payment was not made. 
In XX/XX/XXXX I sought legal counsel. With his help the XX/XX/XXXX issue was resolved. CMC Funding has been in touch with my attorney, letting him know that they were working with me directly regarding the XX/XX/XXXX payment. In fact, I have had no direct contact from CMC Funding, until I notified them on XXXX XXXX 2015 that the tax was in arrears. I went ahead and paid my county taxes with penalty and interest to the amount of {$800.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo has both our first mortgage and our second mortgage classified as Home Equity loans. They will not give me a reason as too why both of our loans are classified home equity loan. 
I understand the second mortgage being classified as a Home Equity loan but do not understand legally how the first mortgage can be classified as a Equity loan as well. This is a major factor in allowing for a refinance or a modification in which we are in need of and repeatedly are denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (WI).
Issue: Problems when you are unable to pay

Complaint: I 've spoken with Security Finance asking for more time, I had asked for an extention due to the loss of my job explained very clearly numerous times that I was waiting for a decision from unemployment and then XXXX when unemployment was denied. I 've attempted to pay with an alternative form of payment other than cash/check, I attempted to pay it off with my credit card and was refused. Now despite talking to me and staying in contact their calling family, and friends with personal information leaving information on others voicemails. They continue to harass, attempt to embarrass, and call after their open hours ( leaving messages not addressing who or why their calling ) despite speaking with me about my situation.

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 04-07-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian is reporting that an account with XXXX XXXX XXXX is 180 days late from XXXX XXXX to XXXX XXXX. In this time, this account was REPORTED IN BANKRUPTCY so it was protected. I paid on this account as per my plan to make up the late payments. The loan is now paid in full. These payments were removed from my report but reappeared last month when the loan was transferred from XXXX to XXXX XXXX XXXX. I have filed numerous complaints to XXXX for correcting then readding this faulty information. XXXX is being converted to XXXX to cover up their terrible business practices. I AM ATTACHING MY BANKRUPTCY PAPERWORK AND EXPERIAN SHOULD KNOW XXXX COULD NOT BE REPORTING ON ME EVEN IF IT WAS CORRECT, WHICH IT IS NOT!

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 08/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: PHEAA is terrible! I can never get an accurate count of payments for the loan forgiveness program. I 've been paying for 2 years but they will tell me only 12 payments have qualified without any reason or detailed history. 
They also jack up my payments every year then take months to review the documents I send, then deny me without providing a reason or letter. When I question them their reasons make no sense. I ca n't afford the payments their telling I should pay.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address listed under places that I have lived that is incorrect. " XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX '' is listed as a place that I have lived recently and I have never even stepped into that state let alone lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Settlement process and costs

Complaint: After I was divorced, my ex Wife XXXX XXXX XXXX, applied for a Government back refinance of our old home, Bank Of America approved her application. At the time Bank of America sent me via XXXX documents to sign, which I DID NOT SIGN OR RETURN TO THEM. I still have the documents. 
They still approved her loan and she has been paying it on time and in full for XXXX years now. 
My complaint is that Bank of America lists loan number XXXX on my Credit Report, and despite multiple letters, refuses to remove this mortgage from my credit report. Making it look as if I already have a mortgage. And preventing me from buying my own VA financed home. Again today I was almost pre-approved for a home loan, but that house pops up. Paid on time and in full every month. But I DID NOT sign the loan app and it is not mine. And does not belong on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. ().
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: or the last few weeks I 've been receiving phone calls between XXXX : -XXXX in my timezone as I am living in XXXX and I explained this to them repeated that it was waking up my XXXX wife and causing XXXX. Every time the caller was abusive, threatening to serve me with papers, have me arrested for failure to appear, calling me names like dead beat even after I confirmed it was not me be verifying the last XXXX of my social. An earlier company said it was a debt from Bank one from 2011 and I had not done business with them during this time. I simply asked them to quit calling and they refused. They would make a threat and then hang up. I continued to ask who they were, any informaton they are required to give you and everytime they refused. I would call back and they would hang up repeatedly even when I would ask to speak to a supervisor. It 's hard to discribe the language she ( XXXX ) used every time she would call me or I would return her call. Finally tonight I was able to get the companies full name in order to file a complaint when another agent answered. This is not my debt and every time I register a new phone number the calls continue to my cell phone thorough skype to china. Once she insisted that I confirmed it was my debt when I clearly did not and threathen me again. I do n't know the exact number of calls this week but I 've talked to them over a dozen times and she said plainly they will not stop until the guy is caught so clearly she knows it 's not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit report.XXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Debt collection (Non-federal student loan) with AES/PHEAA (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid of my XXXX student loan more than two years ago and even received an email congratulating me for paying off my loan. Recently, I began receiving emails from XXXX about my balance being available, but when I logged in to their website, there was no balance. I assumed this was a computer error. However, XXXX apparently has sold my imaginary debt to AES, which now claims my debt is XXXX plus XXXX in unpaid interest. There is no way this is even possible. Ten days ago, I submitted a written request for verification of the debt to AES, at which point they began harassing me with phone calls multiple times a day. Then today I received an email from AES saying my request could not be completed because I never returned their calls. I realize this is for a small amount of money, but it is money that I do not owe, and I have a right to receive written verification of the debt. My credit has already been ruined by student loans and I'm not going to start paying made-up debts that I don't owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2017 about Mortgage (VA mortgage) with M&T BANK CORPORATION (ME).
Issue: Trouble during payment process

Complaint: M and T bank sold my mortgage. I in error sent an electronic payment to them instead of my current mortgage company. M and T took the money, when I realized the error and called them it took multiple calls over 5 days, including escalating to supervisors to try to find where they put the money. They refused to do a conference call with my bank to figure out a way to prove they took the money, they refused to confirm they received my documentation proving this, all because I do n't have an active account with them. They then told me they sent the money back to my bank but could provide a tracing number to prove this. I then forced a conference call, was told they would call back with the tracing number, then they called and said they realize they still have the money, they were looking under someone else with the same name. They were unable to explain how they have someone with the same exact name who accidentally sent them the same exact amount of money on the same date from the same bank. They then reported they could only mail a check the next day, they could not electronically transfer the money despite trying to tell me that they had previously done an electronic transfer. When the money had n't arrived 11 days later I called to find out they had n't sent it the next day as agreed, but rather 8 days later. This was a clear attempt to keep money they knew was n't theirs, and completely unethical behavior for anyone but especially a bank

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 07-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have been with Navient since they switch from  XXXX   XXXX  and I was getting random emails saying that my Forbearance request was approved. I have not request any Forbearance from Navient. I have also paid a ( personal ) loan with  XXXX   XXXX , and paid it off, and provided them the proof payment for it, and their still requesting me to pay it. I have recently reached out for help with   XXXX   XXXX   XXXX  , now I see a list out that this is a bad company too. I 'm so confused on what to do. I will be in debt for ever it seems, this all started in    2005  now I have a home and it will be paid off before these consolidated student loans. Or the ( private ) loans. There is always a brick wall with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 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: All  XXXX    Credit    agencies failed to respond appropriately to Attorney 's demand letter, ignoring the subject and disregarding the statute of the fair credit act. Experian willfully disregarded the letter on 3 more occasions responding with generic letters attached herein. In the process, Experian sent 4 different credit reports on 4 occasions. It came to my attention that Experian is willfully granting access to and business entity for no " permissible purpose ''. The report Experian sent me clearly cites credit inquiries totaling 13 that all state reason for inquiry as " Unspecified ''.    I called Experian and asked about this - they told me " Entities who have Certified to Experian they have a " Permissible purpose '' can have my credit no need for anything in writing or for Experian to verify my signature or consent.     Based on that premise, an entity upon making a request for my credit or any consumer credit can then certify - " No Specific Reason '' when asked why they want my credit. And according to Experian, no reason at all - this is " Permissible Purpose '' for Experian to hand out my credit report and personal information on demand to anyone who pays them. On the occasion of my credit report Experian mail to me, Experian gave out my credit for " unspecified '' reasons on different  13  occasions.     None of these occasions supported or authorized by myself - the consumer. I would like to seek compensation for ever time Experian has breached the act.

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