milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Forgive and bail out the students.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Fraud or scam

Complaint: I purchased XXXX from XXXX and followed the email instructions XXXX sent me after they received my order, as to their method of payment. I 've copied and pasted their instructions below. After I wired the money, via Western Union, I sent them an email with the requested XXXX # that Western Union gave me. On XXXX XXXX, XXXX XXXX picked up the money wire and I have n't heard from them since. No confirmation of the wire pick-up, no nothing. I 've emailed them 5 times, to no avail ... .no further contact from them. Below that email, I 've copied and pasted the confirmation email from Western Union that my money wire had been picked up by the company. 
XXXX Order Confirmation No : XXXX Order Confirmation from XXXX XXXX XXXX Thanks for shopping with us today! 
The following are the details of your order. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Order Number : XXXX Date Ordered : Sunday XXXX XXXX, 2016 Detailed Invoice : XXXX Products XXXX = {$87.00} XXXX Sub-Total : {$87.00} Zone Rates ( Shipping to US ) : {$12.00} Total : {$99.00} XXXX XXXX XXXX United States Billing Address ( removed by XXXX XXXX ) XXXX XXXX XXXX United States Payment Method XXXX Transfer Money Payment Make Payable To : There are different ways you can pay for orders : 1.Western Union 2.Wire Transfer Western Union Payment Paying with Western Union Login : http : //www.westernunion.com send money and select Cash at agent location Our Western Union account First Name : XXXX Last Name : XXXX Address : XXXX Phone : XXXX After the payment, plese tell us your payment XXXX number ( WU XXXX XXXX ), And email us a copy of the Western Union receipt, and your XXXX # with sender name. Pls send Payment Information to : XXXXXXXXXXXX Wire Transfer Paying with Wire Transfer : We are also happy to accept Wire Transfer payment in USD, XXXX, XXXX, XXXX currency for most orders. For Wire Transfer payments : Bank Name : XXXX Account Number : ( XXXX ) Account Name : XXXX XXXX ( First Name : XXXX / Last Name : XXXX ) Address : XXXX Phone : XXXX Note : After the payment, plese tell us your payment Track number and Order number Will send order in 72hour, USPS ship. 
This email address was given to us by you or by one of our customers. If you feel that you have received this email in error, please send an email to XXXXXXXXXXXX -- -- Copyright ( c ) 2016 XXXX. Powered by XXXX XXXX This email is sent in accordance with the XXXX XXXX Law in effect WESTERN UNION 'S CONFIRMATION EMAIL TO ME : From : XXXXXXXXXXXX Subject : Western Union : Pickup Notification. 
Date : XXXX XXXX, 2016 at XXXX PDT To : XXXXXXXXXXXX Dear XXXX XXXX, Thank you for using the Western Union Money Transfer ( R ) service. 
Your money transfer has been picked up by the receiver. Following is a summary of your transaction. 
TRANSACTION DETAILS : Money Transfer Control Number ( XXXX ) : XXXX Date of Order:XX/XX/2016 Amount Sent : {$99.00} Receiver Name : XXXX XXXX Status : Picked Up

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: I purchased a camp stove at  XXXX  on  XXXX / XXXX / 2017 . It was n't working correctly so I returned it on  XXXX / XXXX / 2017 . I should have received my refund on  XXXX / XXXX / 2017 . It showed on my account as expected on  XXXX / XXXX / 2017  but then was immediately suspended under some type of internal review. ( see attached image ). I calle d AMEX Bluebird to inquire about the hold and was told it may take up to 7 days to release. This is due to an internal fraud protection that has to do with an issue between AMEX and the merchant and not the consumer. I expected access to my funds without delay. Their actions have caused me to be unable to purchase food.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (TX).
Issue: Fraud or scam

Complaint: Sir, On XX/XX/XXXX I Have sent XXXX $ to XXXX ( XXXXXXXXXXXX ) using Paypal for a personal service. But after receiving money they do n't contact me even their cell phone is switched off.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (TN).
Issue: Trouble during payment process

Complaint: SLS has paid my home owners insurance in the past. I was paid in full  XXXX   XXXX  for the period  XXXX   XXXX  -  XXXX   XXXX . SLS has now made  3  additional disbursements on  XX/XX/XXXX  i n the amount of {$2300.00} to  XXXX   XXXX   (  which was n't due until  XXXX   )  I believe they attempted to prepay both my home and auto insurance for the   XXXX   year. Our Homeowners  Policy  was only around {$1100.00} for  XXXX . They also went of to make a second in error disbursement to  XXXX   XXXX  on   XX/XX/XXXX   in the amount of {$1100.00}. Just a few days after, on   XX/XX/XXXX   we switched insurance companies to  XXXX  and prepaid the insurance for the year in the amount of {$610.00}. SLS then for the third time this year made an in error disbursement to  XXXX  in the amount of {$45.00} on  XX/XX/XXXX   ( after we already prepaid the year - see bank attachment ).  <P/> SLS, through all these disbursements, in which they did n't use common sense, put my escrow in negative up to - {$1100.00}. They also happened to do an annual analysis of my escrow in this time period which upped my monthly escrow by over {$400.00} a month for 3 months and then upped it more than {$100.00} a month the remainder of the year. Their error is causing us hardship by increasing our escrow more than 40 % per month. All I am asking is for some shared responsibility in this. I will pay it but they need to lengthen that time.  <P/> Also, according to  XXXX  this is not an isolated case and I feel horrible for anyone else going through this with SLS.

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 01/17/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX Email : XXXXXXXXXXXX Consumer Financial Protection Bureau ( CFPB ), I regret that I feel the need to contact you again regarding my PHH Mortgage. ( My mortgage # is : XXXX ) ( My CFPB case # is : XXXX ) You responded to my initial inquiry on XX/XX/2017 and I am extremely grateful for you much needed assistance. 

After many, many calls to PHH to try and get my mortgage back to it 's 21 year status of non-escrow I continue to face road block after road block with PHH. No matter how many times I call, wait and wait on hold and talk to someone it is clear that NO ONE is willing to get me out of the Escrow status which I am unable to pay and back into the Non Escrow status which my income can pay. 

I even took the time to drive down to the PHH headquarters in XXXX today and was met with the same disdain. Seems that I can take the time to drive there and that they are more than willing to take XXXX upon XXXX of dollars from me BUT can they see their way clear to actually having a person come down and talk to me to rectify this problem ... NO! Security gave me a number to call and while I thought it would be to a person in the building I merely got the same prompts and wait times that I would have gotten from calling from home. ( For the record I gave them a check for my normal payment of {$650.00}. ) Let me be clear : I am not 6 months behind in my mortgage, or 4, or 3 etc. and have never been. I WANT to pay my monthly fee as I have for 21 years and I want to pay my taxes at the end of the year as I have for21 years. I have been crystal clear to PHH that I ca n't pay the increase that an Escrow designation warrants and need to be placed back on a Non Escrow status to afford my monthly payments. And, why would they send me their Home Owner Assistance package with a designated Case Manager, implying their awareness of my financial woes, and then change my account to Escrow which clearly increases the monthly payment. How wacky is that? 

I have been MORE than patient and cooperative and quite frankly am tired of waiting, 4, 7, 10, 20 or even up to 2 hours to speak to someone who wo n't take any action on my situation anyway. 

I await your valued advice and hope that your intervention will change my Escrow mortgage back to a Non Escrow, manageable mortgage once again. 

My Sincerest Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Im a victim of title fraud XXXX XXXX made the title claim and told me not to pay the mortgage and they will not report any negative enclosed is a copy of the title claim

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Please be advised for many years now I have been disputing XXXX and it keeps coming back verified! My issue is I want to know the first time I was ever delinquent to XXXX meaning the first time my bill was not paid on time which will be the first time delinquent. It is not reporting as it should because they are reporting this as a retail installment and should abide by the rules of the FCRA and report the time I was first late! If they did this it would be past 7 years and this would no longer be on my report!!! It would be way past the 7 year mark yet they are making this sound so recent!!!!! 


Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Utility Company Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term -- Monthly Payment {$530.00} Responsibility Individual Account. 
Balance {$530.00} Highest Balance {$530.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- Amount Past Due {$530.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks Collection account Payment History Latest Status : Collection/Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO 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 F M A M J J A XXXX O XXXX D XXXX Unknown CO Collection/Charge-Off XXXX XXXX Days Late

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit collection agency representing  XXXX  violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX .   The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  Southwest Credit Systems, L.P. Inc. do es not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been attempting to work with Resurgent Capital regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to Resurgent Capital over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: As I understand it, everyone is entitled to receive a free credit report once a year from each of the XXXX primary credit reporting agencies, XXXX, XXXX, and TransUnion. From the website XXXX, I was informed to go to www.annualcreditreport.com as the only authorized site to get the free report, which I did. In following the steps on that website, I got free reports from both XXXX and XXXX with no problems or hassles. However, when I went to the TransUnion link, TransUnion offered a free credit score and a credit report for {$1.00} provided I agreed to subscribe to their monthly credit monitoring service, on a 1 week free trial. If I wanted to cancel the subscription, I had one week to do so by contacting them and notifying them of my desire to cancel. That was the only option offered. Since I needed a report from each agency, I reluctantly agreed to the subscription with the intention of canceling as soon as I received the report. I neither needed nor wanted the credit monitoring subscription. After I agreed to their terms, I received the desired report ( which was very meager in comparison to the reports provided by the other XXXX agencies, I might add ). Once I received the report I had to spend about a half hour on-line trying to find a phone number through which I could cancel the subscription. I finally found one and cancelled the subscription. About a week later, I had to do the same thing for my spouse. Again, I had to agree to a subscription to TransUnion 's credit monitoring service to get the report. I did get the report, only this time I forgot to go back and cancel the subscription. About a week later, our bank account was charged {$19.00} for the monitoring service, which overdrew our account. Since the account was now overdrawn, another charge, which otherwise would have cleared, overdrew the account further resulting in an additional overdraft fee. So now, I had the unwanted charge for the monitoring service plus XXXX overdraft charges totaling an overdraft of {$73.00}. I contacted TransUnion and they finally agreed to cancel the XXXX subscription and refund the {$19.00}. Our bank has agreed to reimburse the XXXX overdraft fees, once TransUnion redeposits the {$19.00}. Failing to immediately cancel the monitoring service was admittedly my error. My complaint is : Why does someone have to go through all of this unnecessary hassle in order to get what is supposed to be a free credit report from TransUnion?!! Neither of the other XXXX agencies put you through that ordeal, why does TransUnion. They should just provide the free report, as the other agencies do, without contingencies requiring service subscriptions. This seems to me, unethical, unnecessary, and perhaps illegal.

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 07/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: experian credit reportXXXX XXXX status showing XXXXand showing foreclosure proceeding started status should be : included in chapter XXXX bankruptcy XXXX balance ( unrated )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX, XXXX, XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROL or any company associate with this account # XXXX, XXXX, XXXX, XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XX/XX/XXXX ADDRESS 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 explanation
Consumer complaint received 04-05-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted my mortgage company Loancare regarding removing PMI and they are saying it can not be removed until 5 years. I closed on mortgage XX/XX/XXXX, so we are at the 5 year point but now they are saying it has to be done when I make my XX/XX/XXXX payment, which was done on XX/XX/XXXX, but say still can not be removed yet. I requested a payoff statement because I would rather just pay mortgage off to not be ripped off anymore and they stated " that function is not available '' hence not giving me final payoff amount which of course will continue to accrue interest until they figure out how to do it. On top of that I got a current escrow review statement and they are raising my monthly payment to put more money into escrow which of course includes the PMI which is due to be removed.

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 06-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They had this debt on my son 's credit, I contacted them that it was not his, he was underaged. Now its on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (FHA mortgage) with American Financial Resources, Inc. (TX).
Issue: Credit decision / Underwriting

Complaint: I have spend the last 6 months under contract on a house. I was pre-approved for financing on my purchase. We had a clear inspection, appraisal, structural engineering report, everything was supposed to be good to go. Finally at the end of the line we were supposed to close, until my lender notified me that the underwriter would not accept the appraisal. The underwriter stated that there were not enough comps to support the loan. After talking to the appraiser, they believed the appraisal was good and needed no changes. Now I 'm stuck not being able to close on a house I 've been on contract on for 6 months, after spending thousands of dollars on the inspection and appraisal and various other fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Prepaid card (Payroll card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Unauthorized transactions/trans. issues

Complaint: I use AMEX serve for transactions as I receive direct deposit on this card. Got into car accident and company XXXX XXXX XXXX had me pay {$400.00} deposit until they received payment information from insurance company ( XXXX XXXX ), well the insurance company paid XXXX XXXX XXXX after they sent them an invoice saying they refunded me the deposit.called XXXX auto and they kept giving me the runaround so I filed a dispute with AMEX Serve ... I sent them email from insurance company confirming amount paid, receipt where they lied stating they refunded me the money. I have yet to get my money back, finally XXXX calls me back and states they would had given me a cash refund but AMEX serve completed a charge back on XXXX XXXX, I really need my money back it 's unfair that no one is giving me my money back even after charge back was completed. Can someone please let me know when I will be receiving my money? that rental has been returned on XX/XX/XXXX its been over a month. XXXX will not give me my refund now that the chargeback has occurred and I have not heard from Amex Serve in regards to the process. I just want my money not even a provisional credit was given and I have been a customer for a long time with continuous direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I am placing a freeze on my credit files at Experian, XXXX, and XXXX, as it seems like the only sound method now to protect myself from identify theft. There is a fee, with each bureau, to freeze and unfreeze my files. Due to the frequency, pervasiveness, and severity of data breaches ( especially the most recent XXXX breach ), the fee is an unjust burden on consumers.

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