milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Money was not available when promised

Complaint: I sent {$100.00} to a relative using MoneyGram XXXX/XXXX/2016. I received an email with the Reference # XXXX. The cost of their service was {$12.00} and I approved of this cost. I noticed today an additional {$2.00} fee is being charged to my credit card which I was not made aware of, nor did I approve of this extra fee. The receiver was told that the money was not available because the sender needed to verify information. I never received any message regarding the transaction was not complete, instead I received an email telling me to notify the receiver with the reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Student loan (Non-federal student loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have needed to take out over {$150000.00} in student loans to complete my graduate education XXXX. I now work XXXX and am not making ends meet because of the high cost of my loans. I fear I will never be able to afford a family. All of my loans, including government loans, are between 6 % and 8.5 %. How can banks charge such high rates when a person could buy a {$50000.00} car for almost no interest? I imagine they are " following the rules '', but what kind of society allows institutions to make money off the backs of young people who contribute significantly to the health of its population? Is there anything to be done? XXXX XXXX XXXX, PA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: A collection was placed on my account in XX/XX/XXXX from XX/XX/XXXX. When contacted XXXX stated I had a " zero balance '' with them. 
I lived at XXXX XXXX Apartments managed by XXXX XXXX from XXXX. I am going through a federal background check right now for a potential job. A charged from XXXX XXXX appeared on my credit history from XX/XX/XXXX. I called and they stated that I had a zero balance ledger with them and that they would talk to the collections department and remove the charge. This is concerning that a charge was placed on my account without proper notice and when I had a zero balance. I notified XXXX XXXX properties on XX/XX/XXXX and received a ledger with a zero balance. I am still awaiting a reply as to when they will speak to their collections department to remove this fraudulent charge so I can continue with my federal employment background check. I fear that this charge has affected my job prospects in the past. The collections agency is called Resident Collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Payday loan () with BANK OF THE WEST (CA).
Issue: Received a loan I didn't apply for

Complaint: I had a line of credit and over draft protection with bank of the west. they say I owe them {$35000.00} and because you did n't pay we close it. I request from them and from the lawers for document for this loan and statement they only show that XXXX was transferred to my accunt on XXXX XXXX XXXX but on day before that I deposited {$25000.00} on my account by mistake they deposited to my personal account and 6 days later they withdrew that. I need my loan statement from XXXX XXXX to now.and explanation about {$21000.00} deposit the day befor and {$75000.00} day after .I think they madae amistake and then cover that from my line of credit.

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: An unauthorized charge to my credit card was made by  XXXX  and granted by   XXXX     XXXX   XXXX  without my approval. A class action lawsuit has been filed and is in process against  XXXX  for this practice ( see attachment ). Attempts to clear this up with   XXXX    XXXX   XXXX  via the  XXXX  credit agencies have failed. This unauthorized charge has resulted in a reduction in my credit scores of approximately  XXXX  points and has been ongoing for over 7 years.

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 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In order to move my cell phone XXXX to my Son 's account, we had to pay the balance at XXXX XXXX XXXX before they would release the number to be transferred to XXXX. At one point they said my account was closed and we could n't get the number back. The account was paid and we got the number back and XXXX activated my number under my son 's name XXXX XXXX. You may call me if you wish to verify. 
XXXX XXXX XXXX is notorious for their billing mistakes which wastes our time and money getting them settled. It seems clear that they sold my account to a collection agency right after i paid my bill in full and left them after years of being a loyal customer. My Son left them years previously because of billing disputes when they were XXXX. Turns out that they suspended his services because he went over their limit by {$6.00}. After weeks of discussion with their presidents office, it turns out that he was over because they did n't give him his XXXX % discount for bundled services. SO WE REALLY ARE NOT SURPRISED! 
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 explanation
Consumer complaint received 02/29/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: i applied for a car loan and was denied for a report from equifax.i tried using the website but it was unable to deliver the file online so it wanted to transfer me to an agent which instead promptly hung up i tried this auto system 3 times and all were terminated by its auto service.no where does not give you an option for a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Payday loan () with DFC GLOBAL CORP (CA).
Issue: Received a loan I didn't apply for

Complaint: I 've been getting letters from loan places. I got a loan once, and ever since I 've been receiving letters saying I owe I payed so I figure it was paid for but I keep getting letters saying their was a new loan that was n't me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Attempting to modification. Submitted paperwork. trying to get Nationstar on phone is impossible. Every attempt to transfer to any area has the call dropped. It is as if they are purposely avoiding to work with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Management Partners, LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The owner of XXXX XXXX XXXX XXXX offered a XXXX month membership for the cost of XXXX months if paid in full. I paid the amount on XXXX XXXX, 2015. The owner closed the business on XXXX XXXX, 2015. I disputed half the amount with my credit card company since I was only able to use the gym for less than XXXX months, being that the owner was in breech of contract of the XXXX month deal. I feel I was deceptively charged since owner knew he was closing gym in XXXX months time as evidenced by the realty company filing an eviction suit against him for non-payment of rent, and settling with him on XXXX XXXX, 2015. My membership was cancelled and I was then sent to collections XXXX week after the gym closed for triple the amount I disputed with my credit card, which is still being investigated. The owner has done the same thing to many other members of the XXXX XXXX gym, and XXXX other gyms he has abruptly closed in the past year. I 've also received immature, nasty emails, texts and messages on social media from the owner. My credit card company recently called me and informed me that the owner rebutted my dispute by saying he was still open for business and I cancelled my membership. I have to now prove that he is indeed out of business to my credit card company. I have several letters proving that XXXX XXXX XXXX XXXX is closed and has been since XXXX XXXX, 2015. Also, new memberships were sold to people after the settlement date with the realty company on XXXX XXXX, 2015, which is fraud since he knew he 'd be closing the gym on XXXX XXXX, 2015, permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Checking or savings account (Checking account) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: There was a purchase for a {$20.00} shirt via XXXX and my debt card. The subtraction came on my account on XX/XX/XXXX. For the amount of {$210.00}. A adustment was imediately filed with my bank and yet there is still no return of my funds that were overcharged. I was told in a letter from the adjustments department that I would be notified of their decision as ofXX/XX/XXXXXX/XX/XXXX. I heard nothing from them and when calls are made to the bank the response is that they are still trying to reach the vender. I am told by the Ct. Attourney Generals office that after 45 days from my complaint a charge back should have been made to the vender or his XXXX companys account and my funds returned. However there has been no such action and my bank tells me that if and when they recieve the funds back then and only then will I be reimbursed. I am filing this compaint to try to get my fund returned.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX 2017, I called syndicated office systems to payoff all medical bills. One was for a {$100.00}, then another one for {$90.00}. But when I told her about the one for {$80.00} she told me she had no record of it, and if I wo n't it off my credit report I must Dispute it. I ca n't dispute it without a account number, and ca n't pay it. Because it 's not on there system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: Company : Ditech a XXXX Company Amount : {>= $1,000,000} Action Taken : I called on XXXX/XXXX/17 spoke to XXXX, called on XXXX spoke to XXXX, requested to speak with a supervisor and was transferred to XXXX ( ID # XXXX ). XXXX informed me on XXXX/XXXX/17 that she would return my call within 24-48hrs to answer 5 specific questions regarding my mortgage account, and the {$18000.00} funds sitting in an applied account. I received no call from Ditech and/or XXXX. I received a door hanger from Ditech on XXXX/XXXX/17 with an URGENT request to contact the company to discuss my account. I called the number listed XXXX XXXX XXXX XXXX, on XXXX/XXXX/17 at XXXX and spoke with XXXX XXXX There was a note in the account that if the customer called then I was to be transferred to an extension. After 15min, the phone range 100+ times and NO ONE ANSWERED. I requested funds be applied to the principal on several occasions and according to XXXX and XXXX " the system reversed the funds and applied them to the loan and not the principal '' even though they were extra payments and money that had been sitting in the unapplied account. Now that the account is up to {$18.00}, XXXX I can not get solid answers and action from Ditech. I am concerned about these preditory lending practices and the effect it will have on me and my spouses credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Since my first complain in XXXX XXXX, NationStar Mortgage is asking for documents after documents. I have provide all documents they asked for but still they 're telling me that my file is under review for modification, anytime I call them. 
Please note even I have foreclosure sale date scheduled for this coming XXXX XXXX XXXX, they are still declining to postpone the foreclosure sale date. 
Please help me, I do n't want to lose my house, Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (RI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a writ of execution Goods, Chattels, and Real Estate. This does not belong to me, its my sons. Received 1st notice from Midland funding ans asked them to confirm which XXXX this belonged to they never responded. Now i get this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I have a rental property in an area that has over XXXX rentals on the market, I have placed the property for sale, have contacted my mortgage company and am behind on payments. I do not wish to keep the property and am doing the paperwork for a short sale. My question is how long will a short sale negatively influence my credit vs. a deed in lieu? The mortgage company is telling me it is the same, XXXX years, but to check with a credit agency. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Original mortgage was in XXXX for 30 years. Refinanced in XXXX for 4.5 % 15 years and according to that " Truth in Lending Disclosure Statement '' schedule as of mortgage payments # XXXX # XXXX my PMI was to be {$0.00} and that was suppose to happen somewhere around XXXX. I have been trying to get PMI removed and have requested several times ... in writing.. to have it removed. I think twice to Nationstar who is the current mortgage holder. It 's been transferred several times over the years. Horrible customer service at Nationstar. They have given me XXXX, if not more, different answers as to why they wo n't remove it. NONE of which i can find are valid reasons when i hold a legal document truth in lending statement that states it is to be {$0.00} and when! I have already sent all paperwork copies and request to them again by certified/return receipt and they signed, yet NO ONE has contacted me regarding this. It is free and clear money to them ; it is mine, and i want it refunded back from when it was to be {$0.00} XXXX XXXX ) and taken off future payments. They have copies of all they need including tax assessments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit card () with WELLS FARGO & COMPANY (IN).
Issue: Unsolicited issuance of credit card

Complaint: XX/XX/XXXX Wells Fargo letter arrived " Congratulations, You 're getting an upgrade ''. If you do n't want to upgrade instructions were followed prior to the stated XX/XX/XXXX date via XXXX with a male customer service representative. with a disconnect between department transfers and extended hold time. 
An immediate follow-up yielded even less rewards due mainly to my now attitude. XXXX follow-up same transfer between departments. Each transaction my desire not to upgrade presented. XXXX same run around only now a lack of activation of new card would yield deactivation of old card and decline of purchase transaction as of XX/XX/XXXX. XXXX follow-up XX/XX/XXXX yielded nothing. XX/XX/XXXX follow-up and notification, Not activating card and questioned affects on credit standing, provided the response ie : card updated in XXXX and ca n't be reversed, and did not know how my credit would be affected after noting long time customer might have an effect on the reporting. Also, could not provide anyone to respond to credit question. No reverse of upgrade or credit limit would be possible even after Four ( 4 ) request Not To Upgrade over a three ( 3 ) month period. 
Customer Received a Product They Did Not Request. Even after several denial request. 
Might Damage Credit Scores, and possible wife 's?

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 03/24/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: I had an account with Bank of America. I had applied for a job on XXXX like I always did and they were legit jobs that I actually worked. I applied for a XXXX job online and recieved a check that was said to be my advanced pay for the job I was going to start. To make a long story short I deposited the check in my account not knowing that it was a counterfeit check so instead of Bank of America notifying me they closed my account and put fraud on XXXX. I had no idea the check was fake because it looked real had the water mark on the check and all. I 'm trying to get the issue resolved due to the fact that I 'm trying to buy a home and would like to open an account with a credit union but ca n't because they stated it will never come off the report I do not have anything on 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 explanation
Consumer complaint received 11/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XXXX XXXX XXXXXXXX AND XXXX XXXX WAS REMOVED FROM MY CREDIT REPORT. NOW AS OF XXXX/XXXX/2017, THEY WERE PUT BACK WITHOUT NOTICE FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I was contacted several times by this agency, while i was at work even do i asked not to because it was compromising my job. 
I already know that this company used this unique way toward other people to get their process done.

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 08/18/2016 about Prepaid card (Gift or merchant card) with U.S. BANCORP ().
Issue: Fraud or scam

Complaint: i have already files a complaint and got the resolution.i am not satisfied with the resolution ( {$100.00} + {$25.00} copensation ) as a result of my complaint.I did try to contact XXXX XXXX and i never got a response back.i was not aware that when i dispute the resolution of the bank the complaint would be closed on CFPB end.that is the reason why i am filing an other complaint to get a satisfactory resolution as soon as possible and get a fair amount of compensation for the amount of time i swpent and frustration i went through by contacting the call center agent of US bank.I waqs otld to throw away my gift card woth {$100.00} multiple times just because it was purged in their system

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was recently breached and as a concerned individual I believe Equifax is in complete responsibility in order anything happens to me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
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: There are three ( 3 ) student loans ( Navient ) that appear on my credit report with all three Bureaus, XXXX, XXXX, and XXXX. This has been reported on my credit report since XXXX that 's 23 years. Navient was originally XXXX XXXX. When I disputed this for the 1st time XXXX XXXX was removed and Navient was not. I received a notice in XX/XX/XXXXof the split between XXXX XXXX and Navient. We filed Bankruptcy Chapter XXXX and XXXX XXXXNavient was reported as creditors. Now that we are out of Bankruptcy and  the Bankruptcy has been removed from our credit report at all three bureaus Navient remains.I need help in getting this removed from my credit report at all three bureaus.

Company response to consumer: Closed with explanation