milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: After 7 years of being a widow I never had any experience about dating I joined the online dating, I met someone his name was XXXX XXXX ( fake or fictitious name ) as he described himself a a XXXX XXXX working in XXXX ( his website ), a contractor who works for many year in XXXX doing the XXXX XXXX XXXX. He described himself as single with a XXXX year old daughter whose resident in XXXX and temporarily lives in XXXX XXXX where he said his office located. 

Fast forward, everything was going smoothly between us a 24/7 communication from texting, calling, emails, was just amazing and incredible, until one day he asked my assistance he told me that he was working in XXXX for few years with the constructions  business and finally the XXXX government emailed him that the payment was ready to issue to him from the XXXX government. He said that it is very safe to send his payment to my account in the US but he needed my assistance to pay to his certificate of issuance from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX for the Clearance of the amount or payment to him. 

As we go along the situation and communication I agreed to do it for him as he promised me that when he come to the US, everything is going to fine in our lives together and will pay me back, so, at the same time he said there are people in the authority to help him in XXXX to start processing the certificates. 

He first requested me to send him money through Money Gram in  XXXX so it would be easy for him to receive it so I did. He told me what to say and do as I never had any experience wiring money to XXXX. The FIRST NAME was XXXX XXXX AMOUNT WAS {$2500.00}, Reference Number # XXXX XX/XX/XXXX. The SECOND NAME was XXXX XXXX amount was {$2500.00} Reference Number # XXXX, XX/XX/XXXX. The THIRD name was the same XXXX XXXX amount was {$2500.00} Reference Number # XXXX, XX/XX/XXXX. 

They have received all the money. after few months of correspondence I finally found out it was ALL SCAMMED AND FRAUD! I WAS DEVASTATED.! ..I reported this scammed to the Police and FBI. I had all the evidence provided when I went to the FBI office. I had all my savings money taken, I was heartbroken, had so many bills to pay and had to find another job to make my ends meet ....

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Payday loan) with Delray Capital, LLC (UT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They called about an year ago leaving a voicemail threatening that i would go to jail if i did n't make a payment to them that day. They left the same voicemail on my parents and siblings phones. in fear of there threat i began paying them the claimed i owed XXXX on a payday loan. since then they have taken over XXXX from my account and have n't returned any of my phone calls. Finding this very suspicious far too late in the game i did research on them to find out that the XXXX has an alert on them and multiple fraud complaints. I thought i was paying off a debt but now feel i have flushed XXXX down the toilet please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Other financial service (Debt settlement) with Brelvis Consulting, LLC (OH).
Issue: Customer service/Customer relations

Complaint: I hired the company The Student Loan Help Center back at XX/XX/XXXX and started paying them for services to get my defaulted student loans in the forgiveness plan to get my XXXX loans out of default for a fee of {$1500.00}, stop the wage garnishments after 5 months, and consolidate my loans after all is said and done to restart a income based repayment in 10 months time. Since that time, I have paid about {$1100.00}, only talked to my case manager XXXX 3-4 times total, and never actually provided me with a service yet. Half of my interactions with her she came off as rude, like I was wasting get time by asking get about my account and told me in XX/XX/XXXX to not even call back until she called me about the process of my forgiveness because the process took a long time. She only attempted to get a hold of one if my loan companies that controlled XXXX of my loans and never contacted the other company that had the remaining XXXX loans. I finally heard from the help center for the first time since XX/XX/XXXX on XX/XX/XXXX about a payment, but since I had them on the phone, I got transferred to my case manager to get an update and she said they were having problems contacting the XXXX loan company. I started to doubt them, so I called that one loan company and got someone on the phone within minutes. They said the help center got in contact with them in XX/XX/XXXX, sent the power of attorney paper to them in XX/XX/XXXX, and that loan company had been attempting to reach my case manager since then, but they could never get in contact with anyone from the help center and gave up on XX/XX/XXXX. I tried to contact them on XX/XX/XXXX to confront them about why I they had still not started the 10 month loan forgiveness process, why they lied to me that the one loan company was not responding to them, and to try to cancel my service with them since they had not provided me with the services they claimed they would and I was told by my case manager that they will not let me cancel or provide me with any refund at all. She then got very motivated to try to help resolve my account right then, but I told her I just would like to cancel and try to go through my loan companies directly because I needed relief now and I could n't wait for them to actually provide me with the services I have been paying them for since XX/XX/XXXX. She tried to claim that I was refusing her assistance at that point and stated I was breaking their contact that I signed and if I do n't proceed with them that the rest of my service fee of about {$400.00} would eventually be sent to collections. This company makes you feel trapped and that their services are the only solution for your problems, but the actually do n't want you to know they are charging you way too much for a service that is actually free and not as hard as they make it appear to be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Using a debit or ATM card

Complaint: Someone got a hold of my debit card as I apparently had lost it debit card & did not realize that I had lost it. I did not realize it was missing until I recvd a call from SunTrusts fraud prevention department asking me to verify charges. I advised that the XXXX charges made on my account were not made by & were fraudulent. They immediately shut my card down & told me they would file a claim for me. They gave me claim number XXXX. I waited & one day I recvd a call from someone with SunTrust bank by the name of XXXX and something close, from the investigations dept & I explained was bad time a could n't speak as I was at Dr appt. She asked when would better time & I explained in a hour or so. She never called again, I made several attempts to call her back & left several messages that same day & even a couple of days later. The very next day after I received email saying that my claim was denied as there was no error on the bank or merchants part & the claim was denied. I spoke to a supervisor & explained that someone had my card & she explained that there was n't a lot of info as to why the claim was denied & only info she has was they determined there was no error on the bank or merchants end. I explained that I had the card immediately shut down when the fraud was discovered. They told me that looks I had done business with the merchants before, & appeared valued. It was XXXX!! Who do n't shop at XXXX but I would not have gone two hours away!! Also some of the charges were made while I was at a Dr 's appointment as I had recent XXXX. They told me I could file a rebuttal which I have done and it was submitted on XXXX XXXX, 2016. Every time I call I get no info. They said they would send me documents that they used to determine and support the decision but all they sent was a copy of the original denial letter again and no documents were actually sent to me. When I called to inquire as to why I did n't get documents just another copy of the denial I was told that was all the documents they had. To this date XXXX/XXXX/2016 they have still not given me back my money and seem to be giving me a run around. I would like my money back I did not authorize the transactions or take part in anything and have done everything that they have asked me to do! CHECK CARD PURCHASE XXXX XXXX # XXXX XXXX GA for {$520.00}, CHECK CARD PURCHASE XXXX # XXXX XXXX GA for {$450.00}, and CHECK CARD PURCHASE XXXX # XXXX XXXX GA for {$200.00} all the transactions were made on XXXX XXXX, 2016. I would like my money returned

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 12-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Credit protection association is trying to collect a debt ( # XXXX ) that does not exist on behalf of XXXX XXXX from XXXX. XXXX XXXX received the equipment in question and I retained the receipts when mailing said equipment back to them. When this debt originally populated on my credit report I asked XXXX to perform an investigation and to ask this debt collector to prove the validity of this debt This debt collector could not so so and the results were that the collection was removed from my credit report on XXXX/XXXX/XXXX. This debt collector is trying to collect under false claims. I need them remove this collection from my credit report asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I went online to retrieve my free annual credit report. After filling out the identifying information, my report was generated online. On the online report, there is a large radio button Show Me My Score Now. Underneath the large radio button, there is a hyperlink " Or buy your credit score here. '' I selected the Show Me My Score Now radio button and I was prompted to create an account. I created an account and selected Next. The next page prompted me to give TransUnion a credit card number. There is no information whatsoever explaining costs I will be charged BEFORE giving TransUnion my credit card information. This is totally unacceptable. First, if there a hyperlink " Or buy your credit score here '' under a large radio button Show Me My Score Now, the consumer will obviously think by selecting the Show Me My Score Now button, he or she will not be charged. This display is misleading. Second, even assuming the consumer agrees to pay the fee, there is no information whatsoever of how much will be charged. Costs of obtaining the credit score need to be displayed BEFORE credit card information is requested. This is a classic " bait and switch '' tactic and totally unacceptable, especially in view of that this is my credit history information and affects my life in many ways.

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 12/27/2016 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Money was not available when promised

Complaint: Failure to help with issues regarding a foreign currency wire transfer from family I 'm a XXXX dad and have been with Bank of America for about 10 years, receiving foreign wire transfer from family abroad on a monthly basis. My dad sent money for the Holidays ( on XXXX ) which was not received on the account after more than a week ; I reached out to BofA on XXXX where an agent told me compliance reviewed the issue and I would get the money within a day ; called back on XXXX after no receiving it and being told that compliance would reach out to me with questions. I called on Tuesday XXXX where an agent promised to reach compliance to find out what questions they needed - I got a call back from the same agent who collected some information and promised the issue was no resolved. The agent also said that compliance had noted an email sent to me on XXXX, however I could not find it in my inbox, spam folder, or deleted messages folder. On the next day ( XXXX ) I called again and was told that the compliance department still needed information - but was n't told what information, or how to provide it. After asking several times for contact information I was told that the compliance department had " no phone number '' and could only be contacted via email - but only internally. I was then transferred to a different department where an agent told me the whole process of reviewing the transfer had n't even started - and then transferred me once again back to the original department where an agent told me there was no way they could help me. I called again on Thursday, XXXX where an agent at first told me that " compliance needed information '' but that she had no way of finding out what it was. After I told her I had provided information on Tuesday she told me that " in that case they are probably reviewing that information '' but that there was no timeframe for releasing the money. I was once again told there was no way to contact anyone directly, and that the only thing she could do was request a call be made to me ( which XXXX other agents did before as well ). As a XXXX dad I depend on financial support from my family in XXXX ; because of this issue I am already late on a mortgage, and through the whole process I have not been able to talk to anyone in the department actually in charge of the problem. 

As of XXXX, almost 3 weeks after the transfer was initiated, I still have not received the money and no one from B of A has contacted me ( despite promises to cLl back within 24-48 hours given on XXXX, XXXX, and 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 monetary relief
Consumer complaint received 11/24/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen has been the hardest to work with I am XXXX service member who went though a divorce and been XXXX 4 times I have gave paper work to Ocwen 5 years now so I finally called witch never could speaks to anyone right and asked for a credit for give ness witch they gave me XXXX letter in XX/XX/XXXX and the next day they said disregard the letters cause I 'm selling the house out right. 
How can you get anything done if they keep playing games all the time. I have lost Freinds soldiers leaders and come back to Michigan to deal with a company that should n't be around

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Bank account or service (Other bank product/service) with Northeast Collection Bureau (CA).
Issue: Account opening, closing, or management

Complaint: I was called about an amount of {$260.00} that I owed to the bank XXXX XXXX from this number ( XXXX ) XXXX I made payment of the amount of XXXX from XX/XX/XXXX to XX/XX/XXXX I was expected and told to get up paper received in the confirmation of my payment for this account I never have gotten it

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Was told too put loans in forbearance with no penalty and now student loans are up too XXXX. Company reps are all liars. This has destroyed my credit. They promised me that no interest would be added if loans went into forbearance. Absolutely disgusted with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Despite my filing XXXX disputes with Equifax ( see enclosed ), they refuse to remove a medical bill ( see enclosed statement from the XXXX ) that was charged off on XXXX XXXX, 2013. This negative does not appear on my credit reports from XXXX, XXXX or XXXX and is no longer on file with XXXX ( see report from XXXX ). This single bogus and baseless negative item is preventing me from obtaining a loan for a home. Supporting documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Services sent me a notice of intent of foreclosure. I am up to date on all of my payments, they have no reason to foreclose on my house. I have all my bank statements to prove every payment has been withdrawn from my account. Even on their website my account shows every payment made. I first had issues in XX/XX/XXXX, they told me they never received my payment even though the funds had already been withdrawn from my account. They finally applied the XX/XX/XXXX payment I made on XX/XX/XXXX to my account on XX/XX/XXXX. I then made my XX/XX/XXXX payment on XX/XX/XXXX and they are telling me that was for my XX/XX/XXXX Payment. I have proof of every payment for the entire time my loan has been through them. They also increased my escrow account due to a " deficit ''. I did the math, there was no deficit and they are charging me double for my escrow. My property taxes and homeowners insurance do not add up to amount of escrow they are charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Best Service Co.,Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have had a checking account at XXXX XXXX XXXX XXXX many years ago that had some fraud activity on it. some one unknown to me had used my debit card and charged transaction on it on the gambling site which made my account over drawn. I had reported that to the XXXX XXXX XXXX XXXX fraud department and disputed the charges and i got my account credited and soon i closed the account and opened another checking account with another bank. and apparently they had reversed the charges and sent me to a collection agency by the name of THE BEST SERVICE COMPANY. I had contacted this collection agency and explained to the agent that the money trying to collect from me is due to identity theft and I asked them for the debt validation which I have not received any response back from them as of yet. they have cost me a great deal of high interest rate and in my last job I could not get promoted because of this company and that is why I am here with your help get this problem resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Billing disputes

Complaint: I purchased and cancelled orders for a couple purchases using PayPal Credit 's " Bill Me Later. '' The deferred interest rate was still applied to my bill despite having the transaction cancelled. Effectively, I am being charged interest for transactions that were refunded within the same day of the transaction at the 19.99 % interest rate 6 moths later.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Seterus has been dragging out our 'deed in lieu ' proceedings for over a year, now ( XX/XX/XXXX-XX/XX/XXXX ). it is now XX/XX/XXXX. We were unable to keep up with our mortgage due to unscrupulous renters and our overwhelming medical bills. Seterus advised us that 'deed in lieu ' was the best option for us. But since then, they have repeatedly 'lost ' papers/docs and ask us to resubmit. Then, because of these suspicious or even manufactured delays, other docs expired and those had to be resubmitted. This, as far as I can remember, was all done by phone. I 'm not sure about there being a paper trail of this game. Now, Seterus has called and said they have lost the entire file and we must resubmit everything for them to be able to proceed. Please help us and stop Seterus from any more games or unscrupulous banking practices. I 'm sure they are violating some Federal guidelines or banking ethics or protocols. Please help. They have now bought an insurance policy on the rental and are billing us for it. This expiration of the policy we had on it was also due to their delays. 

XXXX and XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, Calif., XXXXe-mail : XXXXXXXXXXXX phone : XXXX : " Home '' below means the rental prop'ty not the home we live in. 
" Concerns '' over losing it means the manner in which we are losing it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 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.

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 10-03-2016 about Prepaid card (Gift or merchant card) with CITIBANK, N.A. (CO).
Issue: Managing, opening, or closing account

Complaint: This is about a gift card. 
The cfpd site says they should be good for 5 years?? 
Had this card for not even close to a year. It expired on XXXX. I called CITI on XXXX/XXXX/16 and they pretty much said, tough luck it is no good. 
Its not that is much $ , but the gift card was only some months old.

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