AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: This is regarding the RCI Mastercard from Barclaycard. 

I set automated payments through my online banking for a transfer I did over a year ago and payments were happening without any problem. The on XXXX XXXX, XXXX I learned that I owed over {$200.00} dollars in late fees, which was unexpected given the automated payments. I called and was told there had been an interest rate change that I did n't know about. Anyway, not only I proceeded to pay that fee but I also asked what the balance amount was so that I could pay it in full and have XXXX balance. The proceeded to pay the full amount but then on XXXX XXXX, XXXX I get a statement indicating a balance of close to {$1000.00}. Note that I made no use whatsoever of the credit card. I called again and the representative said it was balance left from the last payment. I insisted that I paid the full amount I was told to be at XXXX balance because I did n't want to have to pay interests. So then I asked again for the full amount to have XXXX balance and I paid immediately. Then last night, XXXX XXXX, XXXX I get yet another statement indicating that I still owe {$2.00}. This is unacceptable! I called and was told it was interest. Why is RCI Mastercard Barclay doing this? The only explanation is that by ripping of a few dollars out of hundreds of thousands of customers they are ripping XXXX dollars from us. I the end the representative waved that payment but ( a ) I may still get another statement next month and ( b ) the issue is not the amount but the act. 
There should be a Class Action Suit against RCI Mastercard Barclay because this is deliberate abuse. I demanded all my conversations with RCI Mastercard Barclay to be recorded so that they can be subpoena. 
It is the responsibility of the authorities to take action on this. 

Company response: Company chooses not to provide a public response
Consumer complaint: elan financial put negative information on my credit report that i owe that money {$5000.00} dollars, the failed to verify any contract or prove how I owe them.. The failed to validate this debt that is not owed by me. I have written several letter to them. All XXXX bureau that i owe this debt to prove this debt with documents or contract according to federal law. 

Company response: Company chooses not to provide a public response
Consumer complaint: Beware!!! Someone in the company will steal your account information and use your card! I have never given my account information over the phone to anyone. This is my first time ever! They asked me for XXXX different checking account routing and account numbers. Then they asked me for my debit card number, expiration, and code on back. Then they asked for my online payroll information ( name and password ) to set up payroll deductions for me. I thought it was strange that they asked for my debit card info as well as XXXX different checking accounts. I received the loan and exactly a week later, my card had been used in XXXX! I am in XXXX! I contacted the company and no one has returned my calls or emails. I blocked my debit card and changed my password to my payroll account. I also cancelled their payroll deduction in effort to get someone to call me. When you call them it goes directly to voicemail system no matter what time of day. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: I have disputed XXXX several times with the credit bureaus because of the numerous inaccuracies on my reports and the inconsistencies between the XXXX, however, all of the issues still exist as XXXX is unwilling or unable to provide accurate, consistent information which is causing issues with when this item is to be correctly removed as per the law. I have included the way in which the same exact account is reported by XXXX to the XXXX different major credit bureaus : Company : XXXX - XXXX XXXX XXXX XXXX Loan Type : Charge Account Other Charge Account Account Number - XXXXXXXXX XXXXXXXXX Account Holder : Individual Individual Account Individual Date Opened : XXXX, XXXX XXXX, XXXX XXXX, XXXX Status Date : XXXX, XXXX XXXX, XXXX XXXX, XXXX Condition : Not Updated Closed Closed Last Activity : XXXX, XXXX XXXX, XXXX Not Available Balance : {$0.00} {$0.00} - Status : Charge-off Payment after charge off/collection Account legally paid in full for less than the full balance History : Late 30 Days 0 times 0 times 0 times Late 60 Days 0 times 0 times 0 times Late 90 Plus Days 15 times ( 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 0 times 1 time ( XXXX XXXX ) Worst Delinquency : Bad debt/collection None Reported Collection High Balance : - {$190.00} {$190.00} Terms : - - Revolving REMARKS : Account paid for less than full balance / Paid charge off Settled -- less than full balance Account Paid In Full For Less Than The Full Balance As you can see, XXXX CB they are reporting the last activity as XXXX XXXX, XXXX it 's XXXX XXXX and the last they do n't even report a date at all. Then, in the 90 days + date late, to XXXX CB they report none, another they list XX/XX/XXXX and the other they list all the way from XXXX XXXX through XXXX XXXX. 
This account was sent to a collection agency at some point because I received a letter from them in XXXX XXXX. At the point this account was sent to XXXX XXXX XXXX , XXXX, XXXX was no longer the owner of the account, so their continued reporting of it after they 'd closed it is inaccurate. The date of XXXX, XXXX, is the month I paid this to the collection agency. 
I do not understand why XXXX continues to provide inaccurate data. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I would like to put a freeze on my XXXX year old 's SS #, but the current methods make this unbearably difficult. As I understand it, I have to physically send copies of his birth certificate, SS card, and various other forms of ID for him and me, to each of the XXXX credit bureaus to XXXX find out if there is currently any fraudulent activity on his account. Then, once I receive these in the mail, I have to go through the same process again with all the same attachments, to place the freeze for all XXXX agencies. Luckily I live in GA, and I understand there is no fee for a freeze in my state for children under XXXX, but I am amazed that other states charge, ( per agency? ) for this service. I would like to think that our government could help to protect our children by making the credit freeze process easier for parents to initiate. Even to go as far as to have a simple check box on the SS application form for an infant to request an initial freeze on the account until a child reaches XXXX years of age. 

Company response: Company chooses not to provide a public response
Consumer complaint: I emailed Simon 's agency inc asking for a detailed explanation of a bill they have in my name and when/where the charges incurred. I have not heard back from them. They are reporting to credit bureau and I have NOT sent me a letter or any information as to what this is about. I had a lot of problems as a result of a messy divorce and an ex roommate. I am thinking this has something to do with XXXX of those XXXX situations. I came out of treatment for XXXX a few years ago so I had moved to NY temporarily to be treated at XXXX XXXX XXXX XXXX. I have an ID card from the hospital as proof. I would like this removed from my credit right away until I am given the info requested so it can be resolved. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I ASKED BEFORE CASHING A CHECK THAT IT BE VERIFIED AND WAS TOLD IT WAS GOOD. IN FACT IT WAS N'T AND NOW I AM BEING PENALIZED AS OWING AND REPORTED TO XXXX 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: i was approved for a checking account with navy federal. I was sent a debit card, account number, and a welcoming email. after my sister asked about the XXXX referral fee I was then told that my account was fraudulent and denied access. I was told that I could not have any access because my sister and I have different last names. but we have the same parents. I was told that I could use my marriage license on the phone but when I got there I could not use my marriage license. I was basically told that I was liar and my money would be sent back to the irs even though my son gave me the money from his tax refund so basically I was not only called a liar but a fraud. I have not done anything wrong. my son called which he is a member to verify he gave me the money he was told that there is nothing he could do. my mother and father are deceased. my sister name is XXXX but was born XXXX dob XXXX/XXXX/1965 in XXXX which now she resides in XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: Judgment against me listed on my credit report, however under " Status '' it 's reporting as " unknown. '' Now, as public record, the reporting agency could easily have found that the debt had been settled XXXX/XXXX/2014. I haven been denied housing and utilities due to this " outstanding judgement '' for several years. I need this fixed immediately. 

Company response: Company chooses not to provide a public response
Consumer complaint: I set up re-occuring payments, the debt collector agreed to the amount I could pay. I previously had payments set up on hold with them, my debt with them increased in amount so I called back and set up a larger amount bi-weekly. The debt collector said they canceled my old payments on hold, Instead they ran XXXX payments thru my checking account. The old amount & the new amount, resulting in double payments being drafted thru my checking account without my consent. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: First and foremost the person who called me was very rude and did not let me even speak. He was giving me attitude and was n't very informative nor was he professional. I was late for work and asked him if he was able to contact me at a different time, he refused to do so and demanded I speak to him despite the fact of me missing my train. They were not able to provide what it was actually about. Also the gentleman asked me to verify my last XXXX digits of my social security number, I refused because at the time he had n't even told me where he was calling from or what it was regarding! He had n't advised me that they were trying to collect a debt, or anything just kept on demanding that I provide me the last XXXX digits to my social. He then proceeded by telling me that he had my social security number in front of him and then continued by reciting my 1st XXXX digits of my social security number! I was appalled and shocked that he would do something like that. That was my personal information he was sharing out, what if it had not been me? They continuously harass my boyfriend, which I do not even know how they obtained his number seeing how I did n't even know that he existed at the time they claim the date was. They stated that they use a " very powerful search engine ''. If so then how come no bill was sent to my correct address or how come they did not call MY number? I was APALLED at how I was spoken to. I then proceeded to try and get as much information as possible, leaving me to still scratch my head. My boyfriend was harassed, my personal information was given to me over the phone before verifying it was even me, I was spoken to horribly, Not enough information was given. 

Company response: Company chooses not to provide a public response
Consumer complaint: On Tuesday, XXXX/XXXX/16, at approximately XXXX I received a call from a male person identifying himself as XXXX. XXXX claimed to be calling from Everest Receivable Services, XXXX, NY XXXX. The telephone shown on monitor showed as XXXX. I have received numerous calls from unknown telephone numbers such as these and typically would not answer since my phone is private unlisted and used for work purposes only. 

XXXX told me he wanted to verify the mailing address of " XXXX XXXX '' he did not pronounce my birth name in full and then when I tried to find out the reason he was calling my private cell phone number, he wanted me to verify the last XXXX digits of my social security number ( often a ploy from subjects committing identity theft fraud schemes ). He stated that he wanted to verify my address as XXXX XXXX XXXX. XXXX stated that he needed to verify my identity based on Federal Statute Requirements. Yet when I asked him to cite the code section for the Federal Statute he did not know it. 

I have been a victim of Identity Theft in the past and have been in contact with your agency concerning this ongoing problem. I have also filed several complaints with the Federal Trade Commission concerning problems such as this. 

This consistent relentless harassment is becoming emotionally distressing and has effected me in my personal as well as my professional life. Phone calls have been made at my place of business, at my home, at my elderly parents home, and even at my family members ' personal phone numbers. 

I do not believe this type of business practice is appropriate, let alone lawful. 

What steps can I do to stop all this harassment? 

Company response: Company chooses not to provide a public response
Consumer complaint: When applying for a XXXX account online on XXXX XXXX I was given the option to fax in a form to use a credit card or debit card for funding. I called on XXXX XXXX to see if I could speed up the process and complete the funding by credit card over the phone but was told they would no longer accept that type of funding per corporate communication that very day. I asked if any of the faxed forms would be processed if it was already received and I was told it would not. 
XXXX, a supervisor, gave me a call back on XXXX XXXX to explain that they could no longer accept this type of funding. Because I was given the option upon completing my account registration online, I believed that I should still be given the option to fund by credit card unless there was something stated in the terms and condition that the option could be taken away at any time without notice. XXXX could not verify that there was any such language in the terms and conditions to that effect. 
I think anyone who signed up for an account prior to this new exclusion to funding sources should be allowed to complete funding under the previous rules unless it was otherwise stated in writing prior to signing up for the account that the option could be removed at any time. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have received numerous complaints from friends and family members that this company is contacting them several times a month. I do n't know how they have my friends and family members phone numbers, but it is uncalled for. They are feeling threatened and harassed. 
I researched the company and it states they are a collection agency for XXXX XXXX. I do not have a student loan with XXXX XXXX. Furthermore, my student loan is auto-drafted, so I know it is current and not in default. 

Company response: Company chooses not to provide a public response
Consumer complaint: I believe that the XXXX credit bureaus are grading my credit report in a discriminatory XXXX and allowing companies to add negative items that are inaccurate and are not being properly varified by the credit bureaus. Which has caused my credit score and report to suffer as a result. And, cause me hardship in my personal finances. Which has allowed lenders to disqualify me for different loan products, such as credit cards and home loans. So basically, it 's not lenders being discriminatory, it 's the credit bureaus. Because the are not making companies report adequate evidence to prove the the validity of the claims, which they would not do to other Americans consumers. 

Company response: Company chooses not to provide a public response
Consumer complaint: I requested Ditech to stop contacting me and harrassing me with threats of foreclosure on a loan they do not own. They have not responded with my request to validate this debt. I will attach documents sent to them again. I have sent debt validation letters to Green Tree and Ditech several times by registered mail and they have not responded. They are now threatening to purchase a insurance policy on the property which they say I will be responsible for paying. They are debt collectors and I am requesting copies of original assignments to them. How did they get my personal information? Please see copies of letters sent to them. They are threatening to foreclose on a credit agreement they say I have with them, I have never had a credit agreement with these companies they say they have an account with me that is secured by collateral. Please see attached letters they have sent to me and continue to send to me. They call me 3-6 a day and I have asked them to stop calling me until they can properly respond to my debt validation letter. They are not following 15 USC 1692 g1 g2, 1692 c, among many other FDCPA laws. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have sent Experian proof several times how XXXX XXXX has been ( for over 3years ) falsely report to companies that I have late payments from 30-120 days late yet I was granted a deferment for these XXXX account ( total ). 
Experian is avoiding my request by keep sending me a letter staying they were unable to honor my request because I did not provide sufficient identification information for them to verify my identity. This is what Experian keeps sending me every time I try to have them investigate those XXXX total XXXX accounts that 's currently being falsely report late payments of 30-120 days late years after I was granted a deferment. 
Please read the attract proof of claim. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I want my credit card canceled. Ive called them twice to do just this, and they tell me that theyd cancel it and send me notification or proof of doing so, but I havent received anything confirming the cancelation. Instead, I receive product promotions from the card. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: They call me 5-6 times a day asking for an address to send legal paperwork to. Then they tell me that they can only discuss what the paperwork is about and update my information if I provide them with the last XXXX of my social security number. They said they have the entire number in front of them but federal law requires that I verify my identity by telling then the last XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: Like many other Americans, I have voluntarily initiated security freezes on all of my credit profiles at XXXX, Experian, and XXXX. This helps me sleep better at night knowing a fraudster ca n't open an account in my name without my explicit permission. 

The complaint I have is that not only do I have to pay {$10.00} to these companies to initiate the freeze, I also have to pay {$10.00} to each XXXX separately, every time I want to apply for a credit product. In some cases I am forced to pay {$30.00} out of pocket. I take issue with this because the problem of identity theft is largely attributable to these very organizations who provide my financial information to anyone who asks for it, " willy-nilly '' without any sort of authentication or identity verification. So even though these companies are responsible for the problem, if I want to do something to prevent it ultimately I have to pay. 

I am requesting that the CFPB require, or simply encourage these companies to provide this service free of charge to American consumers. By doing so they will be helping to more easily prevent the serious issue of identity theft, as well as avoid more costly requirements that may come their way in the form of legislation aimed at combating the problem. Thanks for your time, XXXX XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: My mortgage loan was taken over by Carrington Mortgage Services from XXXX on or about XX/XX/2015. After multiple failed attempts to use there website I completed a payment transaction on XX/XX/2015 which is noted on my bank statement and accounted for on XX/XX/2015. From XX/XX/2015 my statement shows available balance to cover the payment. 

Recently I received a notice from Carrington that I owe a service charge of {$25.00} for a insufficient funds charge dating back to XX/XX/XXXX. I contacted them and they requested I submit documents proving I do n't owe the charge. 

I 'd suggest this is fraud. They obviously have a flaw, intentional or incompetent in attempting to bully me into proving I do n't owe something. 

I 've submitted my bank statement, their document mailed to me along with there website payment history for my account. 

Respectfully submitted, XXXX XXXX XXXX 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: the company cashed my post dated checks. which i have been doing for 3 years. the company was greentree and was bought out by ditech..ditech cashed all XXXX checks which were dated for XX/XX/XXXX. this caused me to now owe my bank XXXX in overdraft fees. which they will not cover. i an on direct deposit for XXXX and the bank is going to keep all my money. this company ( ditech ) has put me into a financial crisis 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I tried to dispute an item online, the sytem states that it is ACCURATE an unable to dispute online unless I mail documentation. I was given the option to upload the information. However, at the last minute I was not able. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have incorrect information on XXXX, XXXX and TransUnion reported by XXXX ( Medical/Health Care ) for the amount of {$720.00}. Submitted for collection on XX/XX/XXXX to ; XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. 
I have requested proof through XXXX, XXXX and TransUnion, but have never received it. I have also called XXXX XXXX and requested proof that I am in fact liable for this debt, but have received no proof as of XXXX. 

Company response: Company chooses not to provide a public response