milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2017 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (PA).
Issue: Fraud or scam

Complaint: I received a friend request on XXXX from a lady who 's profile name is XXXX. she advertised how she can help people make additional income with a number provided XXXX which I decided to call to get more info. she texted me and said that someone would be calling me. Which they did, and the conversation was explaining there business helping others flip the money to help there assist their financial needs. I ask how do you get started? They replied that I had to give my full name to get registered in there system then drive to a local western union at send money to an specific name and address then 20-30 mins later i would receive a tracking number to pick up my flipped return payment. I ask whats the minimum to send and they repaid {$150.00}. which would flip and return to me in the amount of {$3000.00}. I then went to western union as instructed filled out the form to send {$150.00} to the name and place the told me which was to a XXXX in XXXX. The tracking number of this transaction is # XXXX and i waiting as instructed to get my refund. then i received a message saying the money is there but the irs just notified them that there is a fee of {$290.00} that needs to be paid in order to receive my refund. I went back and forth with them through text and phone calls on how I do n't have anymore money and how this was n't what was discussed prior to me sending the first transaction. I let them know i could n't send anymore and they insist if I could send what i have. I told them i had a XXXX and they assured me that after i send this that i would receive my money with an additional {$1000.00} and a new XXXX which would come in the mail. They even proved me with the tracking number to give me clarity of the transaction being legit. that number was # XXXX but i was n't able to see the amount or the name attach to it which left me still suspicious. so i declined to send anything else and told them i would be reporting them so they could stop calling which they did after I uttered those words. So here I am telling of my unfortunate tragedy. I just was looking to better my families financial status. Not sure what will come of this, but I pray they get caught so that they can not mislead anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was not living with my parents at the time. They made my mother XXXX she is from XXXX, a citizen of the XXXX but still an XXXX, she didnt know what she was signing. I needed the money to pay the University XXXX XXXX. I tried to settle multiple times or ask or payment relief, reduction of interest rate. The interest rate is 10 %, once in deferment this loan has now grown to a {$38000.00} balance - initially taking out XXXX. THe only thing I was offered was a quarter percent XXXX .25 % XXXX rate reduction for setting up direct withdrawal. I can not afford the monthly payment yet they will not do anything to help. Ideally I want to refinance this and pay less montly but also at a lower interest rate. At this rate I will never pay off this loan. I should n't be crucified or bullied into high interests because I wanted to get a college degree. It is a shame and I feel it is " PREDATORY LEDING '' to the XXXX degree. The financial crisis allowed the XXXX industry to get out of their high interest and bad debt - these banks that lend to students target people who need the money to pay for education. What is wrong with this picture? I THINK A LOT!! How can we do this to the next generation of people trying to make something of themselves?? Putting them in an unrealistic financial situation with ABSURD interest rates and will not budge to settle the amounts or give a break on a XXXX interest rate.. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked, and it 's coming out that they have really put the bare minimum into their security ( supposedly an important username/password for one of their systems was " XXXX '' / '' XXXX '' - which is just crazy, to be honest ). It 's actually bizarre how inept they are, and they have way too much important information to walk away from this unscathed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: THESE ARE NOT MY ACCOUNTS. I HAVE ASKED THEM TO BE REMOVED. I WAS TOLD TO SEND PROOF. THAT IS NOT MY RESPONSIBILITY. IT IS THE RESPONSIBILITY OF THE PERSON REPORTING IT. 

XXXX XXXX XXXX from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Bank XXXX XXXX from XXXX XXXX, XXXX +

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX/XXXX/XXXX I called equifax to remove inquires that I did not authorize. I spoke with a US Rep that was handling my request, and was disconnected. I called back, and got another US Rep, and explained to him what happened, and how the previous rep was deleting ui theorized inquires, and could he continue. He told me that he couldnt do it. I then explained that the other rep was in the process Of deleting these unauthorized inquires. However he didnt care. He did not help me with what the other U.S Rep was more willing to do. These inquires are, XXXX XXXX, XXXX XXXX twice, XXXX XXXX , XXXX XXXX, XXXX XXXX twice, XXXX, XXXX XXXX , XXXX XXXX XXXX twice, XXXX XXXX XXXX, department of education. None of these places had my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Debt collection (Credit card) with Financial Business and Consumer Solutions. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: An old debt of 16 years that was settled and resolved with statements that it is no longer there. A new collection company bought a batch of old, old debts from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX after my reporting XXXX. This debt is no longer owed as I settled it 16 years ago. XXXX years old and debt is not owed. Do not know this company nor any new ones that they keep trying to sell old materials to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (I do not know) with Professional Debt Mediation, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have Professional Debt Mediation reporting to the credit bureaus That I owe a debt from a rental property company ( XXXX XXXX XXXX ) I have never heard of or lived at. I tried disputing the account with all three credit bureaus several different time and I get nothing. I believe my credit report has been merged with someone with a similar name as mine. And I demand them to stop reporting false information to the credit bureaus and remove this account immediately. It is not mine. The next step is to contact a lawyer cause this is ridiculous I have to go through this.

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 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a copy of my credit file  XXXX  from  XXXX . I realize my credit file has credit inquiries not authorized or initiated by me. I write a letter to   XXXX    the write back confirming these are factual and to contact orginal creditor. On  XX/XX/XXXX  I called Barclays Bank Delaware @  XXXX  and explained to operator #   XXXX   an inquiry appears on my report I did not authorize. He stated it was done over 7 months ago they have it in their system it is a faud appplication but he can '' t do anything as it no longer in their system. So I called TransUnion fraud dept. and  XXXX  was no help she just basically said why you calling us. As a consumer it is unfair they can easily input inaccurate data but not remove it. Now I am in the process of rebuilding and repairing my credit little errors like these affect my score.        XX/XX/XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , PA  XXXX  Dear   XXXX   XXXX   : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiries for the creditors below have met this requirement, pursuant to the  Act. My Social Securit y number is  XXXX  Barclays Bank Delaware   XXXX     XXXX   XXXX    XXXX  Otherwise, rescind the errant notation immediately.     Sincerely,   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I spoke with XXXX, Experian, and XXXX about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge

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 07/18/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have had   XXXX   Credit card for some years now which is with Comenity Bank. On   XXXX   XXXX   2016, I went to have a free consultation with   XXXX   XXXX   XXXX   The lady toke pic and measurement, we then began to discuss the different options and treatments that were available. We start discussing the payment options and what would be the best treatment for my money. She then asked me if I have heard of   XXXX   Credit and I tell her yes I have a card with them. She says great let me look up your information and see how much you have, as I was unsure of the amount. She then saw that I had  XXXX  and began to continue with what was my best offer as far as treatment and price. we confirm the treatment plan, she then gets me the paper work, and as I 'm looking through everything I see a no refund policy, and I question her about it, she tells me she has already charged my card and that everything will be fine and that the doctor does a great job. So then I got a new job and could not have the procedure done. Then I filled a dispute with comenity bank and when I spoke with the guy about the no refund policy he said that he has never heard of a company trying to make you pay for services they did not receive, but then 60 days later they responding saying I would have to dispute it with   XXXX    credit directly. For the last 120 days Comenity Bank has inaccurately reported on my credit. NO one should have to pay for a service they did not receive, it should be against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: Ocwen Loan Servicing charged me over {$4000.00} in annual fees by placing forced homeowner insurance policies knowing my XXXX Mortgage loan is paid in full. Recently Ocwen was forced to settle its forced place insurance class action lawsuit. in XXXX Ocwen was able to receive court judgment by using fraud documents to rescind my XXXX Option One Mortgage, and my XXXX XXXX XXXX full reconveyance. Since the fraud judgment was granted I been requesting my XXXX XXXX and XXXX XXXX XXXX statements from Ocwen several times because I was unable to locate my account numbers to get the records, Ocwen always denied my request. Recently Ocwen 's outside counsel, XXXX, agreed to release my bank statements because he knows the statues of limitations has expired and that I will be unable to gather the bank evidence that my loan is paid off. Also, I was recently notified by officials that a insurance policy paid off the pretender lender made up loan in full years ago. Ocwen has committing years of fraud looking for free homes from victims to rip off to gain its wealth. I demand the consumer financial protection bureau involve the DOJ and the FBI into my matter. I need help defending myself again Ocwen criminals. Recently, XXXX XXXX, XXXX, I requested all of my payment history from ocwens counsel XXXX, from XXXX to recent, as of today I still have not received the payments history, including all fees, and all the years of forced placed homeowner policies. I believe Ocwen knows it 's companies a fraud and if they released the information that I 'm entitled to would cause the fraud company harm because they would be caught ripping me off. 
///

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (WI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I applied for the XXXX XXXX XXXX based on their offer of no annual fee and 0 % interest for military service members. I was approved for the card and confirmed th details of the offer at time of activation. Last year, I received notice that the offer would no longer be honored and I would be charged the annual fee of {$990.00}. I contacted the company to inquire why it was changing its terms and complain about this unfair practice, but was neither given an explanation nor offered a way to work through the change in terms. In essence, the company is forcing a previously undisclosed payment of almost {$1000.00} or pay-off of the entire balance. 

I am aware that other military personnel who found themselves in this position with the XXXX XXXX XXXX program have filed CFPB complaints and have been granted a fee exemption until end of XXXX XXXX XXXX. I respectfully request the same consideration as a XXXX XXXX on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with Pendrick Capital Partners Holding, LLC (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt reported to collections, no attempt to collect a debt. Not enough information to verify where the debt is from and how to repay it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: In 2014 while in college, my bank account was compromised and an unauthorized check was deposited to my account as well as my debt card stolen. When it was brought to my attention, I immediately went to the bank location for assistance. I was told there was nothing they could do for me. When I returned home to Texas, I again went to the bank for assistance to no avail. My signature does not match this fraudulent deposit. I did not receive any monies from this deposit nor was my account ever overdrawn due to this unauthorized deposit. I have spoken with over XXXX people in several departments and no one can figure how to resolve. Only after attempting to open an account at another institution was it revealed to me that Bank of America reported the account to XXXX. I am accused of " suspected fraud ''. Again, I did not defraud Bank of America nor do I owe or have owed Bank of America for insufficient funds. I do pray that this complaint filed herewith will provide me relief and resolution of the matter by removing this negative information from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
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: on  XXXX / XXXX /  XXXX   I called  Citibank Home Equity Loan Dept  to inquire about a home equity loan that was paid in full however continues to show that we are late with payments. I faxed over a dispute letter as instructed along with a satisfaction of mortgage to Citibank and was told I would get a letter in the mail and also an email stating that the dispute was being processed. I called them on  XXXX / XXXX /  XXXX   to inquire about both since I did not receive it and the person I spoke to said the letter was mailed out on  XXXX  and that I should receive it on  XXXX / XXXX /  XXXX  . I still had no email. on  XXXX / XXXX /  XXXX  , I called to say that I had n't received any letter/email and was promised that a faxed copy of the letter would be sent to me by the end of that business day which I did not receive. On  XXXX / XXXX /  XXXX   I called and was transferred to several people for almost  two  hrs to finally speak to a supervisor that said that my dispute was not opened up properly and that no letter was available to send me. I have been asking for a letter to provide to my mortgage broker stating that we are paid in full and are not late with any payments. After that supervisor  XXXX  hung up on me I called back and got a person named  XXXX  who said that he was send me a paid in full letter that I could send to the credit bureaus and it would be faxed and emailed to me within  24  to  48  hrs. This is delaying my mortgage process.  XXXX  even said that we are paid in full and have no current business with Citibank but the service has been horrible, I often get transferred from  one  person to another. Im told various things and nothing seems to be happening to get my credit report corrected. my credit reports states that I have been late from  XXXX  to current.

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 03-01-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I have a checking and savings account with TDBank. I filled out overdraft protections forms when I opened my accounts and XXXX other times at branches. They keep bouncing my checks that I have more than enough money to cover. They have reported me to XXXX and are destroying my credit. This morning they refused to cash a check I wrote for {$1100.00} at the XXXX XXXX XXXX Bank even though I have over {$140000.00} in liquid assets at the Bank with no holds on my money. They can offer me no explanation why this is occurring. They now say that AGAIN they have lost my over draft protection documents which have been in place for the last 6 months and again are denying checks for NSF. They are just horrible to deal with. The average wait time on the phone is over 60 minutes each time I call them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (I do not know) with First Federal Credit Control (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: reported to XXXX i have collections for unpaid bills these bills belong to my son same name different middle name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Unable to access Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: A financial interview was completed with Wells Fargo on XXXX XXXX, XXXX with their " re-entry team '' to open the loss mitigation review. They stated that they needed a hardship letter, 30 days of paystubs, the XXXX XXXX, a homeowners assistance form, a XXXX, and a completed ( 30 minute ) verbal financial interview. All these documents and interview were completed and faxed to the lender on XXXX XXXX, XXXX. On XXXX XXXX, XXXX a call to the lender was placed and they advised that they needed to verbally know the start date of employment for XXXX and needed written clarification on some of the deductions on the paystubs. It was also advised that XXXX XXXX, the wife who is not on the loan, is not a contributor. The written letter of explanation on the paystubs was sent to the lender same day. Then another call was placed on XXXX XXXX, XXXX where they came up with a whole new list of documents needed including asking for paystubs from " any income on the tax returns. '' XXXX XXXX XXXX and XXXX XXXX XXXX filed their taxes together, but she is not on the loan nor is she a contributor to the loan and this was already explained to them. Therefore they can not continue to ask for this income. They are requesting additional information every XXXX days and not putting one list in writing. They also asked for the Home Owners Financial statement to be notarized, which is not a requirement. They are purposely dragging out the review and not putting complete requests in writing to make the review impossible to complete!

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