milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX billed me for a policy I did not authorize. I received a bill from the company and knowing I did not request or authorize new policy, I did not pay it. Now it is in collections.I wrote XXXX XXXX for a copy proof of authorization, and they replied that they have it, but failed to show or give me a copy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: customer service would not help and take care of the negative inquiries reporting to your credit report

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 03-07-2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted the XXXX  o Wakefield & Associates and they agreed to remove the debt from my credit reports and close the accounts they have with my name and XXXX XXXX XXXX. XXXX  said they continued to certify that the debt should remain. That is a lie. XXXX never verified the debt.

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 10/25/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (KY).
Issue: Credit decision / Underwriting

Complaint: My husband and myself are XXXX with excellent credit. We applied for an investment loan twice ( XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX ) through Quicken Loans and on both occassions we were quickly pre-approved and reassured that we 'd be able to close the transaction but later denied funding. On both occassions, after we already had a sales contract, paid for inspecton, application fee and appraisal, and many weeks into the transaction, we were told that the loan could not be funded. 
1. We were not able to purchase a duplex in XX/XX/XXXX/XX/XX/XXXX because after 4-5 weeks after pre-approval and countless documents sent to them, we were told that they could not lend us the money. We were able to put down XXXX % or more of the purchase price. We lost a great investment opportunity with XXXX units already rented and awesome appreciation potential ( we had a sales contract for {$130000.00}, comparable real estate is currently selling for {$230000.00} ) ; we also lost about {$1200.00} in inspection and appraisal fees, and of course, we lost valuable time that we could have used to find funding with another financial institution. We could not purchase this property because we were denied funding. 
2. We applied again XX/XX/XXXX because I work for XXXX, and as a XXXX employee I could get a discount on apraisal and fees. Once again, I was quickly pre-approved, put an offer on a duplex and the seller declined the offer stating that Quicken Loans approved but later does n't close. I went back to Quicken Loans, explained what had happened and asked, if they were confident that we could close. I was, once again, reassured that the loan could be funded, that the seller 's claim was unreasonalble because they 're a reputable company, etc, etc ... We put an offer once again but we had to offer more money for the seller to be confident ( we offered {$15000.00} more ), seller accepted, we had a sales contract, we made an inspection, paid loan fee and a couple of weeks into the transaction Quicken Loans said that the loan could not be funded because they had not noticed that we had other mortgages!!! How in the world our credit ( mine and my husband 's ) gets checked and mortgages go unnoticed? What criteria did they use to pre-approve us? Do QL associates get a commision when people are pre-approved even if guidelines are not followed? Are there guidelines? Are they just playing with consumers to rip us off like XXXX XXXX did? Are they discriminating against us because we are XXXX?

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2017 about Consumer Loan (Vehicle loan) with TCF NATIONAL BANK (VA).
Issue: Managing the loan or lease

Complaint: This falls in line with the previous complaint made and my recent dispute of the solution provided by the lender ( #  XXXX   XXXX . I received a call on  XXXX  during which I told the Customer Service person that  XXXX  has assured me that all future communication from them would be in writing to which her response was " we do n't have a do not call list ''. She pushed for me to give the detail of when the next payment would be made which and the amount which I gave. On  XXXX  I received another call with this VM "   XXXX   XXXX    I  am giving you a call AGAIN, letting you know I still have your file, we only have a limited time to get this matter resolved so it is important that you call me back today. If not, there 's a possibility that a decision will be made on your behalf that is NOT in your best interest. I 'll be here unti  XXXX   XXXX   XXXX   ... ... ... My name is  XXXX  with  XXXX   XXXX  ''. My payment was posted that day.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The Credit Reporting Agencies are reporting a Chapter XXXX bankruptcy discharge, identified number XXXX, on their own conduct and behavior. I did not give the Credit Reporting Agencies any Prior Direct Consent to communicate this information on my private credit file. Further, Bankruptcy Courts does not report or attempt to report Items on a consumers private credit file. These actions are solely being done by the Credit Reporting Agencies and/or their Agents. 

The reporting of this information is also obscene and profane which lead to the natural consequence being abusive to me the consumer before and after reading and hearing this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (Home equity loan or line of credit) with Franklin Credit Management Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My loans ( XXXX & XXXX ) were originally with XXXX XXXX XXXX XXXX XXXX until they went under and were sold to Franklin Credit Management Corporation who is the servicer for XXXX XXXX, XXXX. I fell behind on my payments on my second mortgage and applied for a loan modification and sent in my documents. I received notification from XXXX XXXX XXXX that I was going into foreclosure and the Trustee was The XXXX Firm. After researching I located the Substitution of Trustee which was dated XXXX/XXXX/2015, however, this document was not recorded until XXXX XXXX, 2015, Three months later, additionally, there was no evidence that notice of the substitution was sent to me as required by law. The Notice of Default stated as of XXXX/XXXX/2015 I owed {$75000.00}, the Notice of Default was recorded on XXXX/XXXX/2015. I am questioning the validity of the Notice of Default, also, who was my previous trustee prior to the XXXX Firm, since the loan was transferred a couple of times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (MA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I had opened a card up with XXXX i didnt recieve anything i wasnt even able to put my card inforamtion into the computer all i was asked for was my my address i gave them my address which is the same as where my items had shipped ok a week goes by still didnt get my card or a statement ok calls in its XXXX at this point i ask the lady when will i recive the card she says in 7 to 10 days another 2 weeks go by i call them again and explain how i havent recieved a statement or a card yet from the company the lady says she willl put in for a new card and that the cards due date will change from that month to the next month of XXXX XXXX comes i called the second week explaining that i still havent recived a card or a statement what is going on same thing happens she says that the statement date will change because i cant even acces my account online without getting my card shipped to me XXXX the XXXX I called them and the guy said the same thing wheni called this time the automated voicemail said i now owe a late fee the guy said not to worry he will wave the late fee from the card for me because i havent had access to my account in the 1 st place and havent recieved a card or a statement today i called because this is all becoming too much and they said its now sent to the collection agency which i dont understend why she said i was 60 days overdue which doent make sence any and the tab is XXXX dollars im like for what reason when you guys said 2 times not to worry and now its in collection i asked how was i supposed to know and how was i suppsoed to know with no access to my account no email notification or anything not even a call from them no statement the woman told me i and continued to tell me that i put the wrong address in and that its my fault and to pay the money and get over it im like i want to talk to the company they refused to let me talk to anyone that wasnt in collections what doent make any sence what can i do

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Other fee

Complaint: I have multiple credit cards with multiple institutions, and I 'm fairly well-versed on how they work and their terms and conditions. Presently, I 'm carrying a promotional 0 % balance on XXXX of my Chase cards, and as part of their T & C, any purchases I make on the card will accrue interest immediately with no grace period. 
I made a small purchase last Fall and immediately paid it off. Sure enough, I was charged interest, but it was a small amount and I their customer service to clarify. They agreed to refund the interest as a courtesy and instructed me to make payments on any purchases immediately to avoid future interest. 
I used this particular card again in XXXX since it 's a hotel credit card and you get extra benefits with the hotel when you use their card. My charges totaled {$30.00} which I paid back to Chase four days after the charge posted. I was charged {$0.00} in interest on that month 's statement, and then an additional {$0.00} in interest the following statement, even though I made the minimum payment AND a payment for the total of my charges ( only {$30.00} ). On my next statement, the card 's {$49.00} annual fee posted, and I was charged another {$0.00} in related interest charges from my single transaction two months prior as well as interest on the annual fee. I did n't think you could accrue interest on bank-imposed fees, but Chase apparently does. 
When I contacted Chase the first time it happened, the representative I spoke with could n't provide me an answer as to why this is their policy. Let me clarify further, it 's not that he could n't give me an answer, he had absolutely no response when I questioned Chase 's motives as to why they 're discouraging their customers from continuing to use the card in the event they carry a promotional balance. 
When I contacted Chase this time via online messaging, all I received was a regurgitation of what already happened with no actual explanation as to how the interest is charged and why it keeps growing exponentially.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please be advised that XXXX of the negative accounts listed with all of the credit reporting companies does not belong to me. I am requesting to remove the incorrect negative account from all XXXX credit reporting companies. Thank you. 
Creditor Name : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted XXXX early XX/XX/XXXX, and have filed a complaint that the account does not belong to me. Nothing has been done to remove the account. Today XX/XX/XXXX have contacted the Department of Education, and Nelnet, the account servicer, and they have told me that they have no record of any kind associated with my social security. Nelnet did give me a website, https : //www.nslds.ed.gov. When I made contact they also could not find any account associated with my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Other debt) with CNG HOLDINGS INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: 'XXXX XXXX XXXX XXXX ' company issued my information to a debt collection agency for a debt I do not know about or owe. I have no outstanding business with them and I told them to investigate the transaction to see who was using my information to take things out in my name and they had agreed and told me to ignore the attempt to collect any money from me. 

Now they have sold my information to a debt collector who is harassing me for money that I do not owe. XXXX XXXX XXXX XXXX XXXX, was the name and telephone number I was given to call to find out why they are calling as XXXX XXXX XXXX it claims they no longer have any information for me on file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I tried to obtain the annual credit report online using XXXX. I was given the reports by XXXX and XXXX, but was not given one by Experian. They recommended using phone number, calling the number given a PO Box to send request, which is not acceptable service.

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 11/25/2015 about Money transfers (International money transfer) with BB&T CORPORATION (FL).
Issue: Wrong amount charged or received

Complaint: I sent a XXXX wire transfer to XXXX, but in the XXXX bankthey say they only received XXXX XXXX. over XXXX dollars are lost. 
my bank here says they send it, and the bank there says they only receivedXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Managing the loan or lease

Complaint: I traded in a car I was purchasing from Drivetime. The car was traded on XXXX/XXXX/XXXX and the payoff reached them on XXXX/XXXX/XXXX. I Drivetime on XXXX/XXXX/XXXX to confirm they had received the payoff which they did. XXXX XXXX overpaid them by over {$290.00} which Drivetime confirmed. I was told I should receive the refund in 10 days. I call back on XXXX/XXXX/XXXX and was told they never submitted the refund and it seems to it they were not planning on refunding it. They again told me to give them 10 days to process. I called today ( XXXX/XXXX/XXXX ) and again I am told to give the 10 days to process. I advised them if they held funds over 30 days they must pay interest. They told me to call them back again in 48 hours. I am starting to believe Drivetime has no intention of refunding the overpayment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX I noticed my payment increased by roughly {$100.00}. When I enquired with Nation-star, they advised I had an escrow shortage on my account for the XX/XX/XXXX taxes. Furthermore they anticipated taxes to increase in XX/XX/XXXX, thus they needed to build up the escrow balance. I 've made all of my payments since origination and there is no reason that there should have been a shortage on my Escrow account. During the year of XX/XX/XXXX my loan was being serviced by XXXX financial services. XXXX was purchased by Nation-star thus my loan transferred under their servicing umbrella. I informed Nation-star should have provided me a notice informing me my payment was going to increase. They advised they sent a letter informing me. I requested they send again so I could have for my records and I still have not received the notice. I also requested a full escrow analysis to be completed on my account. My understanding is they have 30 days to send this information. As of today, I am yet to receive any information. I requested this information in early XX/XX/XXXX. Nation-star has been unable to provide sufficient documentation supporting why their was an escrow shortage. I believe there was a miscommunication between XXXX and Nation-star and now I 'm paying extra due to their lack of detail during the service transfer. 

I 'm helping the CFPB can help me gain a full understanding as to why their was an escrow shortage and why i 'm being asked to pay an additional monthly fee to compensate. 

I would also like to understand why I have not heard anything regarding my dispute since XXXX. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY).
Issue: Other transaction issues

Complaint: Today XX/XX/2015, I hired the services of Moneygram 's 10 minute money transfer, in order to send much needed {$200.00} to my father in XXXX XXXX, XXXX, XXXX XXXX, as he presented himself with all the required information and documentation in XXXX different Moneygram locations in his town of residence, XXXX of them simply failed to disperse the funds claiming that they did n't have enough cash to cover the {$200.00} and the third location being a XXXX XXXX XXXX refused to disperse the funds claiming that he would be required to hold an account with the bank in order to pickup the money. All XXXX previously mentioned situations have violated the contract in which I entered with Moneygram upon accepting the terms of service and subsequently using the service. After all the previously mentioned I called Moeygram customer service and they told me that they could not refund the funds to me since more than 30 minutes had gone by since the time of the transaction, and that the funds already where in XXXX XXXX, where they refused to give them to my father. After all this my father who was in dire need of this funds and does not own a car had to spend more than {$20.00} in a cab to go to another town to find a moneygram location that would give him what was his money. After the fact i contacted Moneygram by phone which after making me jump through several loops finally connected me to a supervisor, who refused to identify himself other than with his first name, and also refused to refund me with the service fees of {$9.00} that where charged to me which did n't even cover the expenses that my that had to incur in order to go to another town to pickup the funds. I find Moneygram to make false promises, not comply with the terms of their own contract, and to offer a deceptive service with horrible customer service. In my opinion Moneygram gets away with deception like this and then tell you " too bad '' because is a service used mostly by XXXX to send money to their families, which after there is a problem have the tendency to not file a complain, in order to keep a low profile which allows a company like such to violate the financial rights of XXXX people everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Credit card) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conns calls repeatedly, even after I spoken with a rep and asked them to stop the constant phone calls, I was told I would still receive the phone calls until the bill is paid in full. And they call from a bunch of different numbers constantly back to back and have called my job as well. Pure communication harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Other mortgage) with M&T BANK CORPORATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: My property has a foreclosure sale date for XX/XX/XXXX. My servicer is M & T Bank. They rejected me for a loan mod and I have engaged agents to sell my home as a short sale. My agents have continued to provide everything needed for short sale, the only thing left to be done is for the servicer to order an appraisal/valuation to compare it to the value. M & T is refusing to do this, saying that they need more time to upload documents. My agent has ALREADY verified that all documents were recieved, and has previously been told that 48 hours is the upload time, but NOW M & T ( XXXX to be specific ) says it 's a minimum of 5 days. I believe he is stalling in order to send us to foreclosure. We have a GREAT offer on the table and there is NO reason they are refusing to work with us. I do n't know if they think they 'll make money or what?

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Debt collection (I do not know) with ACCELERATED COLLECTION SERVICE, INC (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX has not responded to my debt validation letter they were reporting to my XXXX credit report that I owe {$330.00} but report to the collection agency that I owe {$960.00}. They will not settle for the original amount reported to my credit report and due to the fact that they are almost reached their 7 year mark they sold the debt to XXXX XXXX XXXX. It shows the debt was sold on XXXX XXXX, XXXX to a collection agency that is not license in Tennessee and they sold it for the incorrect amount. I was never notified that debt was sold and no letter has been sent with in their 30 day window. Attach is a copy of my XXXX credit report what XXXX has reported since XXXX and attach is my XXXX credit report that debt was sold in XXXX but never reported to credit report until XXXX XXXX. This a falsified credit reporting and abuse of collection law. State of Tennessee statue of limitations is 6 years. I nylon her owe this debt

Company response to consumer: Untimely response