milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had disputed via the online system with Equifax information in regard to XXXX public records listed on my credit report. They immediately responded to me 5 days later that the information had been verified. I received this information : Public Record Information This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //equifaxconsumers.XXXX XXXX I called XXXX XXXX by phone today at the number Equifax provided at XXXX. I was transferred to the Public Records division. I was told that there is no record of Equifax contacting them about information listed on my file because my file is frozen. My XXXX XXXX file was frozen on XX/XX/2017 and NO information is accessible. I was also mailed a PIN to my home address in the event I wanted to un-freeze, which I have not done! 

They stated NO ONE has the ability to access my record with XXXX XXXX because the file is frozen. I am confused as to whom Equifax spoke with or verified the information with because of the information given to me by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Received a collection notice for an apartment that had major plumbing issues. I did what was required to be released from the lease XXXX month early. The manager told me to write a letter of my request due to the unsanitary health issues and now I have received this collection notice. I do not owe them any money, in fact they kept my deposit also.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Debt collection (Medical debt) with Agency of Credit Control (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I called a collection company that was reporting on my credit reports in good faith to make payment arrangements. We had agreed on an amount and then she emailed me the confirmation that was XXXX more then agreed. When i refused to pay that amount she became hostile with me and threatened to take me to court and threatened me i would pay 21 % daily interest plus an additional XXXX dollars if i didn't agree to the new total.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (FL).
Issue: Fraud or scam

Complaint: Contacted " XXXX '' for the purchase of a puppy golden retriever " XXXX ''. The charge was {$550.00} and there were text messages back and forth, transferred money via XXXX, and " XXXX '' disappeared the website went down. I filed a police report in XXXX XXXX County, and went to Wells Fargo with said police report, they said they could not help. Went to XXXX XXXX XXXX and they too said they could not help. I lost {$550.00} and no one is able to help with this fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MT).
Issue: Loan servicing, payments, escrow account

Complaint: I believe Nationstar has mismanaged escrow, misappropriated payments and is in possible violation of Sections 6 & 10 of the Real Estate Settlement Procedures Act ( RESPA ). 



Mismanagement of Escrow Upon receipt of my Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX, I learned that in XXXX XXXX Nationstar made an extra annual payment for my home owner 's insurance, 6 months prior to it 's due date ; the annual payment was previously made in XXXX XXXX. In so doing, Nationstar plunged the balance of my escrow below RESPA required minimum equal to XXXX of total annual escrow disbursements. 



Prior to the receipt of the Annual Escrow Account Disclosure Statement, I was not notified of this untimely payment nor advised of the potential imposition resulting from the significant increase in my minimum monthly payment for XXXX ; an increase to compensate for their mismanagement. Of further concern is the projected annual disbursement for XXXX includes yet another annual payment for my home owner insurance in XXXX - this will make 3 annual payments for 2 annual premiums in a 12 month period. 



RESPA Section 6 My initial correspondence to Nationstar on XXXX XXXX, XXXX requested an explanation for the extra payment made from my escrow and why I was not previously informed. I requested a copy of the invoice from the insurance company for that extra payment and wanted to know what effort was made by Nationstar to validate those charges prior to making that extra payment. I also requested the name of the person managing my escrow. My request was acknowledged XXXX XXXX. 



After hearing nothing, I sent a 2nd written request XXXX XXXX, XXXX, a XXXX request XXXX XXXX, and a XXXX on XXXX XXXX. It has been more than 60 days and Nationstar still has not complied with my request. This is in direct violation of RESPA Section 6. 



Misappropriation of payments Nationstar records the last payment on my account was received XXXX XXXX, XXXX. They do acknowledge my payment of XXXX XXXX, for the month of XXXX, but it is not allocated to my account. In addition my payment for XXXX sent on XXXX XXXX is still not acknowledged as being received. Regarding this matter I have corresponded on 4 separate occasions : XXXX XXXX and XXXX XXXX, XXXX and XXXX. I have also provided Nationstar with Proof of Payment from my bank. My payments are sent electronically. 



In addition to being in violation of RESPA, these actions represent a significant breach of consumer confidence. My hope is that Nationstar will repair this breach and work to rebuild trust with this consumer. I do not relish having to manage the company whose primary role is to manage my mortgage and escrow. This is my home that 's on the line. It is my credit being victimized. It is the future financial security of my family at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Student loan (Private student loan) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have a private student loan through Citizens Bank. The servicing of the student loan is through XXXX. The loan program has a auto debit incentive which reduces the interest rate. As this change in rate is not on the note or disclosure statement it is my understanding that they are required to show whether or not it is applied on my monthly statement or otherwise disclose if it is being applied to the current rate. XXXX contests this and has told me that they are not required to disclose this, that i need to manually calculate the rate monthly and check to see if this is applied. Am i correct that they are required to disclose this? If so can you point me to the particular regulation on point so i may pursue my grievance?

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MD).
Issue: Other transaction issues

Complaint: My wife used to send money to XXXX. she died XXXX 2015. I continued to send money but did not delete her name or add mine. requested refund of XXXX due to non contact of recipient. Faxed copy of death cert, XXXX forms of gov id and notarized signature. WU req Letter of Probate. Assets devolved to me and probate not necessary and did not occur. My wife died in XXXX and could not have sent money in XXXX. Common sense should prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX 's client XXXX XXXX is an identity theft victim ; her information was used to apply for an account with XXXX/Bloomingdales XX/XX/XXXX. While no account was established the application created a fraudulent inquiry with XXXX that is still being reported by the credit bureau. An official dispute of this was sent via certified mail to XXXX XX/XX/XXXX but as of today the inquiry is still listed which is a violation of the FCRA.

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 03/14/2016 about Consumer Loan (Installment loan) with Eagle Financial Services, Inc. (OH).
Issue: Problems when you are unable to pay

Complaint: Eagle Loan Company filed a judgement against me because of an old loan XX/XX/XXXX in the amount of XXXX, which was reported against my credit bureaus. Eagle loan company filed another judgement in XXXX XXXX court in the amount of XXXX for the same loan that was taken out XX/XX/XXXX ; they have just filed another judgement for the same loan in XX/XX/XXXX in which i received notice in the mail regarding the judgement for the same loan. I have not received any other attempts to collect this debt. I think that it is unfair that XXXX judgements for the same loan was filed against me in court without any attempt to validate, settle or take care of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from XXXX XXXX XXXX asking if I wanted to switch to Uverse that it was better and that there was no charge or interruption of service. I received a new modem in the mail and after connecting it found out it was defective. I was directed to an XXXX office in XXXX, CA to exchange the Modem. Went to the store and was told that I was given the wrong information and had to send it back ( mail ) to exchange it for a working XXXX which I did. After about 20 days the system was up and running. Got a collection call several months afterword 's, I contacted XXXX XXXX XXXX who told me it was an error and that they would correct it. A year later I am starting to get collection calls and letters trying to collect the same account again. I called XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX - would not give his last name ) and basically was told that either they could not find the account or that they could not do anything about the account because they had sold it and that I would have to work it out with the collection company. I had and still have the same service with XXXX XXXX XXXX with no interruptions in service.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (NC).
Issue: Fraud or scam

Complaint: For a mobile transaction, this is your receipt. For all other transactions, this is a summary of your online receipt. 

Your tracking number ( XXXX ) is : XXXX Transaction Date :XX/XX/XXXX XXXX ET Payment Method : Card Number : XXXX XXXX Delivery Method : At any agent location in receiver 's expected payout location. 
Sender : Name : XXXX XXXX Address : XXXX XXXX XXXX City : XXXX State : NC XXXX : XXXX Phone Number : XXXX Receiver : Name : XXXX XXXX XXXX City : XXXX State : TAB Country : XXXX Expected Payout Location : XXXX, TAB, XXXX Payment Information : Card Type : XXXX XXXX Number : XXXX Expiration Date :XX/XX/XXXX Transaction type : Purchase Payout Information : Today 's Date : XX/XX/XXXX Date available in receiver 's country :XX/XX/XXXX Delivery Method : At any agent location in receiver 's expected payout location. 
Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Promotion Discount : - XXXX USD Total : XXXX USD Any promotion discount already has been applied Transfer Summary : Exchange Rate : XXXX USD = XXXX XXXX Transfer Amount : XXXX XXXX Total XXXX XXXX For all transfers, receiver may receive less due to foreign taxes. For transfers to a bank account, receiver may also receive less due to fees charged by the receiver 's bank. 

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days of the date we promised you that the funds would be made available to the Receiver at XXXX or https : //care.westernunion.com/us/en/ask You can also contact us for a written explanation of your rights. 

Subject to applicable law, you may cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited.
For inquiries or comments, please visit https : //care.westernunion.com/us/en/ask, e-mail Western Union or write to : Western Union Financial Services , Inc . 
XXXX XXXX XXXX, XXXX, CO XXXX or call : XXXX For questions or complaints about Western Union, contact : Consumer Financial Protection Bureau XXXX XXXX ( TTY/TDD ) http : //www.consumerfinance.gov/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX http : XXXX  Western Union also makes money from currency exchange. 

If your payment method is a credit or debit card please note card issuer cash advance fee and associated interest charges may apply.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Federal student loan debt) with RMS-Recovery Management Services, Inc. (MO).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On   XXXX   XXXX   XXXX    , I notifie d RMS Recovery Management Services , Inc.  in writing that I was unaware of the debt they claimed I owe from over 20 years ago, requested validation of my  debt to RMS and no tified them to cease and desist all communications in attempt to collect this debt. This included phone calls to third parties. On   XXXX   XXXX   XXXX    ,  XXXX   XXXX  of  RMS called both  my number and my employer, which has caused damage to my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Prepaid card (Gift or merchant card) with U.S. BANCORP (WA).
Issue: Fraud or scam

Complaint: I bought XXXX gift cards from my local grocery store XXXX XXXX XXXX part of XXXX ) issued by US Bank on XXXX XXXX, 2015. Each gift card was loaded with {$500.00}. 
Within a week of so of loading, the money was already drained from the card fraudulently. I filed a dispute with US Bank, the issuer of the card the moment I realized the theft. US Bank did not ask me to fax in copies of receipts until XX/XX/XXXX, which I did promptly. 
So far, the only response I am getting from US Bank is we are waiting to hear back from the retailer where the funds were used.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Making/receiving payments, sending money

Complaint: On XXXX/XXXX/16, I initiated a domestic online wire transfer of {$300.00} from my bank Chase to a recipient at XXXX XXXX XXXX. I was made to understand while completing the online process that there would be a {$25.00} fee for the wire, which was okay by me. A total of {$320.00} was debited from my account. 

As of XXXX/XXXX/16, I called Chase to check on the wire status after being informed by the recipient that they had n't received the transfer. Chase explained to me that the wire was returned by XXXX XXXX XXXX ( XXXX ) citing incorrect account name. They mentioned XXXX had deducted {$45.00} and they were only returning {$250.00}. 

I have unfairly been charged {$60.00} by both banks for a service that was not performed ( {$25.00} by Chase and {$45.00} by XXXX ). This leaves a bad taste in my mouth and I humbly seek assistance in adjudicating this issue fairly. 

Thanks in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen lied!, I sent you how the mess up you are, They have a report on them thru Forida, a payoff toXXXX XXXX.If thats is what they due, well think about, does it go higher to the requators, that report to the attorney general.Ocwen has XXXX XXXX of assets out thier, no wonder all the lawsiuitsare letting them off the of, imagine all of this and thier senior loans can perhaps bring us to a nother ression, Dear XXXX, i hope they have not gotten to the regulators which l eads to the attorney general, I left out a lot of complaints on them.i love my country, please if you can pass this to the powers to be, but be really careful for they have intwinded us to a ression, I learned something today, they hold You!!!!!! by the strings/To you Ocwen, i made a mistake, i will now take names and IDs and notes on you.by the way my first complaint on you was to show how messed up you are!!!!!!!!!!!!!!!!!!!!!!! Now go live with yourself/ToAll Employess, would you finance with Ocwen??????????????

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ChexSystems is reporting an account under my name, social security number, date of birth and drivers license that does not belong to me. I have contacted ChexSystems before and provided them a copy of my police report, drivers license and social security card, but they have refused to properly investigate this matter. All they have done was told me that they verified the information to be mine using my personal identification when I have plainly and clearly told them and provided proof that I was a victim of identity theft, and they have refused to act in accordance with the laws that govern reporting information against consumers. They are reporting the following information against me and it is not mine and as a result of identity theft   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , AL  XXXX  Reported Name  XXXX   XXXX  Reported Address  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  Reported SSN :  XXXX  Drivers License : ( Blank ) RTN :  XXXX  Account :  XXXX  Reported for NSF : Amount : {$130.00} Paid in full settled This is not my account and I do not owe this and never did and I want this removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.

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 09-07-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX, I began the process of refinancing XXXX investment properties. Both are currently with Chase mortgage and the refinance would allow me to move to a long-term fixed rate, a change that is prudent and appropriate for me as well as Chase. Despite a strong beginning in which XXXX XXXX, my product sales associate guided me through product choices and expectations, the process went down hill shortly thereafter. The essential issue is that Chase would ask for documents, I would provide them, and then hear nothing for a month or so. After sending emails to ask for a status, the process would occur again, typically with Chase asking for the same documents that had already been sent and some new variations for good measure. There were XXXX of these iterations and it made me very frustrated. To be clear I UNDERSTAND THE NEW WORLD OF MORTGAGE UNDERWRITING. I get it. The world has changed and it requires far more diligence to get things done. The Issue that I have is the lack of communication throughout the process. Further, the simple lack of progress. Chase should have a system that alerts XXXX XXXX if the application is stalled in underwiting so that he reaches out appropriately to me as a customer. That did not happpen which required me to spend a great deal of time to try to manage my own application through the mortgage process. XXXX months later, we were essentially no where. 
XXXX XXXX, XXXX XXXX 's supervisor assured me that this was my fault. Clearly he did this without reading the file. 
XXXX has apologized for the many delays throughout the process, but frankly, I am not satisfied because the same thing is going to happen to the next customer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Had a judgement removed from my credit report, now a third party put it back on there, when the judgement has been removed. The other credit agencies do not have the judgement on it because it has been satisfied and removed.

Company response to consumer: Closed with explanation