milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Money was not available when promised

Complaint: I can confirm that Western Union ( WU ) is a very incompetent institution. I sent money to my father who is XXXX years old XXXX. He could not pickup the money after making 3 trips to the bank. The bank XXXX also could not release the money stating that they did not have the MTCN number. I am dealing with not XXXX but XXXX incompetent institutions. I called Western Union and their excuse is that my father 's name is similar to the person who can not use WU. What a stupid excuse! No one took the initiative to check the record of the history. Very little money for my father 's birthday and they made a big deal to take away my precious time to solve their problems because they are incompetent. A lot of people have the same names, especially the country I came from, that 's normal in XXXX. But not to release the money to an XXXX years old man who they know better to try and assist him, is absurd! I can not believe that between the bank and Western Union, no one could use the brain to go an extra mile to solve the problem. I 'm here in NY and solved the problem for these XXXX incompetent institutions. First WU sent a confirmation email saying my father can pickup the money ( strike one! ). Once you confirm with anybody, it means " a go '' yes? If WU could not release the money, they should have sent a very specific email stating they need a copy of my father 's ID for their future record so they will not release the money to a wrong person, so we all can solve the issue before my father 's trip to the bank, not after. This should have been stated clearly! Then my father took not 1 but more than a trip to the bank, 3 days in a row ( strike two! ). They still could n't figure out how to solve the issue. Then they got me involved ( strike three! ). With a high-tech going around, I asked my sister ( who lives in the XXXX country ) to take a photo of my father 's ID and send it to me. Between my sister and myself, we solved the problem and we always do. I then sent the email to WU staff member and request with a firm instruction to release the money immediately. This should have been done by the company, not an individual person. Like I said they should have sent a very specific email ( not a confirmation email ) prior to my father 's trip to the bank. So OK, security check, I get it. But not to communicate with me is a wrong strategy ; I am the sender. This is enough to confirm that WU is very incompetent and a bank can be even more incompetent dealing with them. Put two and two together, we got XXXX! No wonder the banks are failing! I 'm not surprised. The people who work at these XXXX large institutions take no initiatives to assist a customer. Lack of training? Maybe. This should be the next XXXX case study.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (RI).
Issue: Application, originator, mortgage broker

Complaint: Mortgage was XXXX % finished when an appraisal was done. During the appraisal the APPRAISER took many pictures. The appraisal came in at about XXXX against a refinancing of about XXXX. All seemed to be OK. Wells Fargo underwriter then asked about certain work to be finished " bathroom was in the process of being done. The rep said " we ca n't proceed '' unless the work is finished. I feel that Wells Fargo used the appraisal to unleash a Trojan Horse into my house to inspect ( by taking pictures ) as well as appraise. After I paid {$370.00} for this appraisal, it was used against me to negate my mortgage application. During this process, my credit score went from XXXX to XXXX. I was subsequently denied the Mortgage. I have faithfully paid this same note to Wells Fargo for ten to twelve years. I was trying to lower my interest rate from 6.25 to about 4 %. as I am approaching retirement. Wells Fargo constantly bombarded me with solicitations in the last 5 years, but when I finally " took the bait '', I was turned into a sucker. All other criteria were met or exceeded. Now that my score has been lowered, and I have been denied a mortgage by Wells Fargo, I 'm reluctant to re-apply to another company.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I filed a complaint # XXXX about Barclays Bank. The original issue being I was having medical hardship starting XXXX still going through the medical issues I am gaining on health. I have been a loyal customer for over XXXX years and all I received from XXXX was a insulting phone call from XXXX XXXX XXXX XXXX @ XXXX X XXXX. What good is filing a complaint when the company does not explain in detail what could of been offered a year ago when I began my medical hardship. I had a XXXX prescribe over XXXX worth of out of pocket scripts in. XXXX, {$XXXX} worth or out of pocket costs in XXXX. I have no understanding how a bank can not help a consumer pay a debt I was {$XXXX} off being able to make the amount due and they did not work with me. I was locked out of my account and requested all my documetation, refused and ignored by XXXX. I called her back numerous times to understand ... and then I receive an answer that says contact the collections agency ... She is the worst example of a customer support indivual for a XXXX liaison to the consumer. I want to reopen this and get this rectifed. I want all my memos from them, It is totally unacceptable to treat a loyal paying client while struggling to live.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been on a payment arrangement with Midland Credit to resolve a {$730.00} balance. We agreed that I would pay {$180.00} until the balance is paid. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my payment of {$180.00} was made. Midland did not charge me in XX/XX/XXXX, even though I was set up for automatic payments, and now they sent my account to collections for the full {$730.00} even though only {$180.00} is due on my account and my payments have been made. Midland wrongfully reported me to collections since I am on a payment arrangement and they failed to take payment for XX/XX/XXXX. I called Midland today, XX/XX/XXXX at XXXX PST and spoke to a woman named XXXX and she said she could not help me because the account representatives assigned to my account do not work on weekends. This needs to be resolved ASAP by removing my account from collections and removing this false collection account from my credit report. I have attached proof of payments for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I opened a credit card on received it on  XXXX   XXXX   2017 , I was billed a {$75.00} annual fee on  XXXX   XXXX   2017 . On  XXXX   XXXX  my account was closed by the bank.   I asked to have my annual fee refunded and was advised that after the statement date I would be receiving the {$75.00} back. on  XXXX   XXXX  i Reached out to the bank and was told that i would not be receiving a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/13/2015 about Debt collection (Medical) with AAA Collections (ND).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Failed to stop sending notices, failed to provided details of amt due, fialed to send request information per my letters. 

Violated Fair Credit Collection Laws. Fail to response to my letters requests.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company keeps calling my cell phone early in the morning around XXXX. My cell is XXXX. And they keep telling me they are going to sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Bank account or service (Checking account) with PNC Bank N.A. (DE).
Issue: Account opening, closing, or management

Complaint: I was offered an upgrade account at PNC. The representative suggested the virtual performance account at no cost. I never received any monthly fees until XX/XX/XXXX16. I spoke to XXXX XXXX from the XXXX call center about the charge to my account. She became very rude telling me there are no free accounts at PNC. She also refused to waive the fee despite the evidence showing, I had never been charged before! She refused me an opportunity to speak to supervisor. The entire experience was not productive and just poor customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my 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 06/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Customer service / Customer relations

Complaint: Capital One received a {$1500.00} direct expedited electronic payment from me on XXXX/XXXX/2015 and immediately placed a fraud hold on my account, I called in when my newly paid off card was declined. From here a 2 day nightmare began where they forced me to conference call every financial institution I have done business with in the past and currently including banks I have never made payments to C1 from. They threatened me with legal action, accused me of criminal acts and withheld my funds. They forced me to provide them with private account numbers and details that do not in anyway pertain to them or my account. As I had just put such a large amount of money towards that account I felt I had no option but to submit and do what I was told. As soon as I provided them with a piece of information or called a bank lwith them and listened to them tell my financial institutions I am suspected of fraudulent activity they would disconnect the call and I was forced to begin the entire process again while I listened to the other agents laughing in the background. As a result of this pointless investigation I have had to deal with fraud holds and account closings caused by their inquiries. worst of all this is not the first time ... C1 is constantly witholding my funds, contacting my other institutions without my permission and with no logical reason ... Im not even sure how they know I do business with the others. They have closed my account twice without reason and reopened it leaving several duplicate accounts on my credit report dragging my score down to XXXX they dont report my payments, they report late payments that were not late and they have generally tortured me endlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Other debt) with Altisource Portfolio Solutions, S.à r.l. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX, XXXX VIOLATED THE STATE DO N'T CALL REGISTRY TWICE, 3 STATE CONSUMER LAW 'S AND DECEPTIVE COLLECTION PRACTICE.

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 04/17/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: On XXXX XXXX, 2015, I was involved in an automobile accident that resulted in a XXXX. Following two months of not being able to work - doctor 's orders - I began working half time on XXXX XXXX, 2015. During this period of time I have had no income. I hope to be working full time again after two more weeks of recovery and only then will I again have full time income. I have tried my best to work with Sallie Mae to get through this period of recovery and lost wages. Several phone calls later and all I was told was that my account is " all messed up '' and that it will be straightened out with the latest phone call. I was also told by that Customer Service employee that I should " ignore all phone calls '' as this situation would be resolved. I just checked my Credit Score and found out that they have not straightened out this situation - in fact they had placed on my credit record a delinquency that has severely negatively impacted my credit score and the credit score of my co-signor. I contacted Sallie Mae again and have been told that nothing can be done about this. Upon checking my Sallie Mae account on XXXX XXXX, I had a letter stating that I needed to pay over {$600.00} in order for a negative report not to be submitted to my credit record. They have already submitted that negative report! I am now hoping to begin further education this summer for a degree in XXXX XXXX. However, the way Sallie Mae has handled and, according to their representative " messed up, '' my account, I am now afraid that I will not be able to financially pursue my education objectives. And, I am afraid that my credit record will be negatively impacted by their " mess up '' and reporting to credit bureaus after I was assured this matter was cleared up on XXXX XXXX. I am at a total loss ... ..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-11-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX Mortgage that has been discharged and the other from Green Point Mortgage a division of XXXX XXXX Bank and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX XXXX XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX XXXX XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Other debt) with Sonnenschein Financial Services, Inc. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have owned this timeshare with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  since   XXXX  . At the time of the purchase the sales reps told me it would increase in value. This, they told me, was a certainty. At the time of purchase the sales reps also told me I would be able to sell it with no problem. The timeshare is now paid for. I have tried to sell it on mor e than one occasion. These attempts have resulted in further monetary loss and no sale. The two  big selling points for me have proven to be lies told by the sales reps to make the sale. I am now  XXXX   years old.  I am no longer able to travel and can no longer use this timeshare for a multitude of reasons. Because I can not sell it and the maintenance fees have proven to be a hardship, I want the contract canceled now.  XXXX  will be able to put this timeshare back in inventory and sell it again. It is to their financial advantage to do so. They will have revenue from the sale, the mortgage, maintenance fees, and other fees that I will not be paying for any longer. I want the paperwork to cancel this timeshare. I have contacted them about relinquishment but they refuse to listen and furthermore state that they do not accept relinquishment. My last letter to  XXXX  and  Sonnenschein Financial was mild and considerate and nice in my elderly-lady way. Sonnenschein Financial  is demanding I pay maintenance fees and other fees on this timeshare I have owned for 25 years. I am not paying anybody anything. The timeshare is paid off. It is paid for. I owe no more money on the contract. It is paid in full. There is no past due amount as the note is paid in full. I own this. It is mine. Paid. Off. I am not paying the maintenance fees. I am not paying any fees ever again. I will accept the  Mutual Release they spoke about in their last letter with these provisions : 1. I will pay them no money. 2. They will not damage my credit in anyway. 3.  I ask for no refund since I have had this timeshare for 25 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I sent a principal payment to Wells Fargo of {$40000.00}. They cashed the check on XXXX XXXX, 2015. They will not credit my account until the " cycle '' is up. Therefore, I am not receiving any interest on my deposit or credit on my mortgage. The amount I should get is {$4.00} per day. This does not seem fair to consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Please take notice that SOUTHWEST CREDIT SYSTEMS, LP has failed to provide verification of the debt with regard to the above referenced account. Therefore, this debt must be deleted from my credit file within 30 days. 

You reported this account to the consumer reporting agencies on or about XXXX XXXX, XXXX, three days before you notified me of a debt, and you also notated that the debt was disputed with the consumer reporting agencies. You initially contacted me by letter on XXXX XXXX, XXXX notifying me of a XXXX XXXX account placed for collections. I responded to your notice requesting verification of such debt on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I requested you to close the account and cause such delinquent account to be removed from my credit file. I have received no verification of the alleged debt, and no response to my request to close the account. 

Pursuant to 15 U.S.C. Section 1692g ( b ), you are required to notify me of the name and address of the original creditor. You have failed to provide such information. In addition, you have failed to provide verification of the debt under 15 U.S.C. 1692g ( a ) ( 4 ). Because the entire debt was disputed, you have a duty under 15 U.S.C. Section 1681s-2 ( 8 ) ( E ) ( i ) to conduct an investigation with respect to the disputed information. You have failed to investigate this disputed information and provide verification thereof. Therefore, you are in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and all other applicable state law. A complaint may be filed with the Federal Trade Commission and the Washington State Attorney General, and may take legal action. 

This account must be deleted from my credit file, and this account must be closed by your office from further collection attempts within 30 days.

Company response to consumer: Closed with explanation