milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2015 about Bank account or service (Cashing a check without an account) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: Since a previous check from a US Bank customer had bounced when I submitted it to my bank ( XXXX XXXX, I went to US Bank to cash a new check from this person, to ensure that the funds were there, and prevent any possible fee by my bank if I cashed it there. I presented my government issued identification, but since I do not have a US Bank account, I was told that I would be charged {$7.00} to cash the check. I declined to pay the fee, and asked whether appropriate funds were in the US Bank account to cover the check. I then retrieved the check and deposited it into my XXXX bank account. I believe US Bank should not be able to charge someone for honoring a check drawn on one of their checking accounts, so I am submitting this complaint. I think CFPB should look into this practice, by US Bank and any other bank that offers checking account services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On XX/XX/XXXX, Midland contacted me even though I have told them prior I owe no money. The first person did not identify himself at all. He just said my name, and I said yes, who is this? He then said I had a phone call and transferred me to someone else who again did not identify themselves for over a minute as being a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I Have proof that the debt was sitteled and full I paid via there collection XXXX party but they will not remove/update to show this debt paid in full. I settled this debt in good fait and attached documentation to this fact. my emails and not answered. 

The settlement via there XXXX party total card services was $ XXXX was paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with U.S. BANCORP (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone fraudulent open a credit card in my name with US 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 non-monetary relief
Consumer complaint received 05-03-2016 about Credit card () with WELLS FARGO & COMPANY (WI).
Issue: Payoff process

Complaint: I have an account with XXXX promotional balances. XXXX promotion is scheduled to end on XXXX/XXXX/XXXX the other on XXXX/XXXX/XXXX. Prior to opening the XXXX promotional balance my minimum payment was around {$85.00} once the second account was open my minimum payment went up to {$100.00}. Because my promotional balance is due in XXXX XXXX I made a large payment to avoid being charged. {$450.00} in interest. After the payment was made. Wells Fargo changed the minimum payment on XXXX balances without notification and is only applying {$2.00} of my payments to the balance that is about to expire. 

The summary of my complaint is Wells Fargo changed the terms of our agreement without notifying me, and they apply an unfair amount of my payment to an account where it is n't required with the purpose of collecting an extra amount in interest.

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 01/30/2018 about Debt collection (Other debt) with The CBE Group, Inc. (TN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: This company is attempting to collect a debt for a fraudulent claim from XXXX. The buyer purchased an item, damaged the item, and then attempted to return for a full refund. 

The refund was not paid, and the debt is invalid. This collector has called and mailed letters after receiving a letter via certified mail that the debt is not valid, with a request to no longer contact.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX account has sent to collections an amount of approx {$140.00} from approximately XXXX XXXX ... because in XXXX of XXXX I upgraded my 15+year account with att ( phone & internet ) & the company - for reasons unknown to me, created a new account number. I continued to pay $ $ on the old account # for several months, not realizing a new # had been created. After several months, i realized what was happening & contacted XXXX XXXX XXXX to resolve the issue & transfer all $ sums that had been applied to the prvious acct number to their newly created acct # ... subsequently, I had several telephone conversations with customer service as well as XXXX XXXX XXXX accounts Receivable departments because THEY did n't get it corrected ... finally I was assured by XXXX XXXX XXXX reps that the accounts were reconciled and all payments to the previous account were transferred and applied to the new account #. This activity transpired between XXXX XXXX & XXXX XXXX ( or XXXX XXXX ) ... 
From that point on, I continued making payments on time to the correct XXXX XXXX XXXX account and am currently up to date ... .however ... apparently the employees at XXXX XXXX XXXX do not correspond and or communicate account activity & that they had rectified the " past due '' pmt issue on the old acct. so in the XX/XX/XXXX I began receiving telephone calls from various numbers ( the collections agency people ) about this so-called past due account ... during the first several calls, I attempted to tell them that this account was in fact paid up and current, and that I had had MANY conversations with XXXX people to ensure this ... but the calls continued ... because they do n't listen to me. I am paid up on that account. The Collection was created, because of inept employees within XXXX XXXX XXXX not communicating and/or appropriatly documenting the events in the case. I therefore deny the validity of the Collections claim. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 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: Personal information incorrect

Complaint: My name is XXXX XXXX and I was involved in the Equifax security breach which included a change in my birthdate and some inquiries that do not belong to me at all, I called Equifax and they told me what to send it to change information, I sent in all the required information via fax just like they ask and I received a response back that they were going to update my information and remove the inquiries I ask to be removed this was back in XX/XX/XXXX. I recently viewed a completely updated copy of my credit report that was supposed to be updated from XX/XX/XXXX and it is not updated. I called Equifax yet again and they refuse to budge on removing the information and are requiring another copy of the same information I paid {$26.00} to have sent to them. I was not informed at all of the breach in my information, I found out when I got denied a loan that this was what was wrong with my Equifax report. I have called several times and can not get any headway with them at all, and I am not paying another {$26.00} to send them certified mail again when it was already supposed to be changed and I received the paperwork to have it changed. This is ridiculous. Because of Equifax this is having a negative impact on all 3 of the bureaus reports. I am upset they did not inform me my information was corrupted and that I had to find out on my own, and now they are refusing to budge and change the information to the correct information and remove the improper inquiries off my account!

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted several times by phone by Midland Funding to collect a debt that is NOT MINE. This person who owes has the same name, but not date of birth or social security number. I have already confirmed with XXXX person I spoke with and they verified through my DOB and SSN that I am not the person they are looking for and they informed me that they would take my name off the list and not call again. HOWEVER, THEY KEEP CALLING DESPITE THE FACT THEY HAVE VERFIED THE DEBT IS NOT MINE AND SAID THEY WOULD STOP CONTACTING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage is current. We make our monthly payments every month, on time or early every single month. NationStar continues to keep not applying our payments despite taking our money every month. Every time that we call them we are transferred and transferred and they keep telling us that theyre working on it, but there is no resolution. We are getting serious default letters when we are making our monthly payments every month. We are at risk of foreclosure come XXXX XXXX, even though Nationstar has been accepting our full monthly payment every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Consumer Financial Protection Bureau, I am the primary and sole owner of a FHA mortgage. The mortgage was sold by the original mortgage company to the XXXX XXXX XXXX in XXXX XXXX. In XXXX XXXX XXXX XXXX XXXX sold the mortgage to Green Tree Servicing LLC now renamed as Ditech Financial LLC. I took great efforts to make my payments and kept them current until XXXX XXXX to XXXX XXXX when due to financial difficulties I trailed behind with my payments being made late. My wife spoke to XXXX XXXX, customer service representative on XXXX XXXX, XXXX who advised that we should not make any more payments on the account as the payments that were made for XXXX XXXX and XXXX XXXX were being refunded due to foreclosure against the property. Green Tree sent me documentations of the necessary options that I could take if I wanted to prevent the foreclosure so I opted for modification of the loan. I went through a HUD approved Housing Counsellor who assisted with the modification process. I had dialogue with XXXX XXXX, a mortgage advisor from Green Tree on XXXX XXXX, XXXX regarding the foreclosure and she informed me that my property was prompted for foreclosure because I had failed to make two full years of mortgage payments. I told her that was highly impossible as all the payments were made when the mortgage was with XXXX XXXX XXXX and also when it came over to Green Tree. I requested a detailed statement from XXXX XXXX XXXX to show all the transactions when they had the mortgage before it was sold to Green Tree and the statement accounted for all my payments. I also requested a detailed statement from Green Tree and all payments were accounted for prior to the three payments for XXXX XXXX to XXXX XXXX that were paid late. I questioned XXXX about the two years mortgage payments that Green Tree was indicating as missing and suggested that they did a detailed audit of the account to see where the error lies. XXXX advised me that if I was planning to do an audit of the account Green Tree would have no other option than to go ahead with the planned foreclosure of the property. Based on that advice I declined the audit in order for the property to go through the modification process. At XXXX XXXX, XXXX my principal balance from the statement I received from Green Tree was {$160000.00} Upon modification they gave me a new principal balance of {$230000.00} When I asked for a breakdown of the figure they told me all the outstanding payments for the two years in question and other foreclosure fees were added to bring the principal to that amount. Even though the modification process had gone through I am not at ease within myself. I feel that some grave mistakes have been made somewhere within my mortgage account and I am requesting a detailed professional review of this account. 
Thank you for looking into my matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I deal with Jpmorgan chase with my mortgage company. I am currently and have been in a chapter XXXX bankruptcy for 3 yrs and have some mortgage payments in the bankruptcy. My credit score is finally where I can refinance my house and pay my bancruptcy off. I have been trying to refinance my house for 2 years with a different conpany and no matter how much i do right with chase they have my account say something different. I just recently had a confrence call with a woman to verify my account was on current and when the next payment was due the last step I needed to refinance my house. And chase told her I am 3 months behind and my monthly payment is {$200.00} more a month then what I pay. And that i have sum random money just sitting in my unapplied funds account??? I havent known whats gone on with my account for yrs and i can see in my records that i am paying for things in my bankruptcy twice. Chase refuses to give me any statements, or payment history as they claim that my attorney is the only one who can have access unless he says other wise. However, per my bancruptcy court documents it states my monthly payment amount and that I am to be receiving my statements my history of payments anything I request as if I am a regular customer. But everyone I ask I am refused. So now in order to refinance my house I need to get my payment history to present to the loan company who has pre approved me for a loan that my payments are current and everything is good, and hope that that will work. I am now almost out of my window of being able to refinance because my only income is XXXX and child support and my children are getting older and I am going to start getting turned down because there child support will stop soon. Chase has managed to cause so much stress in my life over this, I 'm trying to help fix my situation but chase ... they are making it worse. I would also like to know why I paid my escrow shortage thru my monthly mortgage payments and have came current on that but the escrow money is also being collected thru my bankruptcy.?

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Navy Federal Credit Union damaged my Credit report. Even duplicating account information to the XXXX. 
I demand the following accounts be verified or removed immediately. Account Number Provide Physical Verification. 
1. NAVY FCU Account # XXXX XXXX 2. NAVY FCU Account # XXXX Unverified 3. NAVY FCU Account # XXXX Unverified 4. NAVY FCU Account # XXXX Unverified I hereby authorized NAVY FEDERAL CREDIT UNION TO RELEASE INFORMATION TO THE CONSUMER FINANCIAL PROTECTION BUREAU.. 
Thank You, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2017 about Debt collection (Medical) with Professional Recovery Management (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt collection agency ( Fox Collection Center ) reported a person with similar name on my credit file report, then filed a collection on my credit report changing the debt to my address although another address appears on the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (GA).
Issue: Adding money

Complaint: {$300.00} cash load was made to my XXXX card on XXXX/XXXX/15 through XXXX. The money was never credited to my account even though money gram shows it as having been received. Rush card customer service is non-existent. I have called and been hung up on repeatedly. I have emailed, private messaged on XXXX and twitter ( per XXXX XXXX request ) and have not been contacted in response. I have copies of all the receipts and proof that the money was paid and should have been loaded to my card immediately, but no one will help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have fraudulent and unauthorized credit card and collection accounts and hard inquiries listed on my  Trans Union ,  XXXX  and   XXXX    credit report. I filed a police report with the  XXXX   XXXX  Police Department and the police report case number is :  XXXX , the following credit card and collection accounts and hard inquiries are fraudulent and unauthorized :    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 04-10-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Payoff process

Complaint: So I am applying for a loan and basically was approved for it but now the loan company is telling me that I need to pay off my outstanding credit card debts ( even thou I was approved for the loan already with my XXXX credit score ). I told them how if I received a XXXX form and had to claim it on my taxes. So I called the creditors and they told me that I could not make payments on it anymore because it now has become a " cancellation of debt '' and they are all non collective accounts. The loan company response was if its on my credit report they have to go off that. The Credit card companies are refusing my payments and because of this I am unable to get this loan. How can I resolve this please?

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (LA).
Issue: Money was not available when promised

Complaint: I been having issues when using MoneyGram. When the money is transferred it is never available to the receiver, even after getting a confirmation transfer reference number. I sent money to this person several times before and have not been so upset with the agent service that MoneyGram provides. These people are not aware why and rude. I sent a transfer on XXXX/XXXX/2016 at a Walmart site and it was a10 minute request and was told that the person can get the money with the reference number and their ID. What a surprise they called and said it was not available. I was told " under review '' by the MoneyGram agent then transfer to someone who could not speak English well. So I asked him to slow down, then he hung up on me, very RUDE. 
The agent at the Walmart site when the receiver was also experience the same issue with the MoneyGram reps since I asked my friend. He indicated that the Walmart agent was not please, it took over 30 minutes, which is horrible service. 
Therefore I sent an feedback for someone to contact me within the US. However, they had a person not in the US called. She could not explain why the money was not available and then had the nerve to said " because the person name was similar to someone else ''. This I find to be a false since I sent money to the person several times and never had this issue. This type of information can be consider damaging to my character and the receiver. Therefore, I need corporate with the US to contact me on this matter!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Noticed this collection showed up on my credit report end of XXXX. It 's not mine and is a part of my ID theft case. They refuse to remove this. PLease help. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief