milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2017 about Credit card () with BARCLAYS BANK DELAWARE (NH).
Issue: Customer service / Customer relations

Complaint: My house recently burned down. I ca n't get online or get a customer service representative on the phone. I have been trying for a week now. I am on hold for XXXX to XXXX minutes at a time and no one ever answers. I do n't want this to go on my credit report but there is nothing else I can do.

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 09/26/2016 about Debt collection (Credit card) with Neuheisel Law Firm, P.C. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: While moving to a new apartment a box with my personal information was left behind accidentally at the old apartment which had my social security number and ID information in it. The person who stole it used my credit to gain access to my accounts and apply for credit through numerous creditors. I filed a police report, ID theft forms with creditors and did a lot of follow up. Some of the creditors did respond and say I was not at fault but others sold the account to 3rd party vendors who placed a judgement against me and are now pursuing legal action to collect the fraudulent funds. I need help with this issue, been fighting to resolve for the past 6 years but have n't been helped. Please let me know what you can do to help me get this situation behind me. My credit is being affected, bank accounts and I ca n't move forward with purchasing a home as long as this persist. I have filed police reports, written numerous letters and still NO HELP! This is my last alternative. I do n't want to file bankruptcy because these are not my debts. In addition I was never served at addresses where I reside, but judgements were served at addresses where I did not reside and I was n't given the opportunity to argue my case before a judge. I need help with this matter and ask for resolutions. Thank you in advance for your help in this matter. FYI, because this is being published I do not want to state the persons name who did the fraudulent activities but its included in the attachments.

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 03-07-2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: On XXXX, I received a letter from XXXX stating that I had defaulted on my Perkins loan. This is the first communication I received since graduation about this loan. When I graduated, my loan was being held by Campus Partners, which was being purchased at the time. I created an account with Campus Partners, to pay my loan. However, they did not allow anyone to begin repayment of their loans, due to their company being purchased by another. Therefore, I was unable to pay my loan. Now since my loan is in default, they want me to pay the interest on the loan plus the principle amount. I was more than willing to pay my loans, which would have been without interest at the time. I immediately contacted XXXX, after receipt of the letter, to try to figure out how my loan became in default. They said that I needed to talk to the company ( ECSI ) who now owns my loan. Therefore I contacted ECSI by phone. When I finally was able to speak to someone, they were extremely unhelpful, and before even getting to the reason for my call, they hung up on me. Since I never got any information from them by phone, I looked for another method. They had an online chat available, so I tried chatting with them. 
From this, they said that they were sending me information, but it was all being sent back ( because they were sending it to my address without sending it to my apartment ). I questioned them on why they had the wrong address, and they said it was given to them by Campus Partners. Then I asked why they did n't contact me by phone or email? They replied that it was against my schools policy. I never got to ask why they did n't just contact my school to request my address. However, they said there is nothing they can do and I just have to pay the loan and the interest that accrued. I told them that I would be more than willing to pay my loan minus the interest, since that is what would be fair, this being the first contact I received. However they said that I needed to pay the interest as well. So I asked to talk to someone who could help me straighten this situation out. They referred me back to my school. So I contacted my school by phone and email. They said they would look into it. I just received an email today from XXXX stating that there is nothing they can do, and I just have to pay the loan plus this accrued interest. I do n't see why I have to pay interest on a loan that I never had the option of paying before the loan. The company or XXXX did n't do their due diligence in acquiring my correct address, which XXXX had. XXXX never even contacted me by phone or email ( which they set up, my XXXX email address ... ) to let me know that my loan was transferred to ECSI and that I would need to pay my loan through them. What they are doing is a complete Scam.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have two credit cards that have fallen past due through Comenity Bank. One for XXXX and the other for XXXX. They repeatedly call from blocked number, admitted to doing so and refuse to stop. I 'd tried to work out a payment arrangement before getting three months behind, and they refused that as well. 

They continue to call despite my earlier request that they stop, and communicate only through mail. Which they have not done. I had 6 phone calls from them via blocked numbers before XXXX this morning alone. I counted 9 yesterday, with one as late as XXXX. I want this to stop. I am already in the starting process of bankruptcy, and this harassment does n't do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (LA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was opened in XX/XX/XXXX and is still reappearing on my credit report. Please remove this Auto Loan from credit report. Thank you. 
Unfortunately, I do not have any documentation and/or billing statements and receipts at this time. 



XXXX XXXX XXXX Account NameXXXX  XXXX XXXX Account NumberXXXX Account TypeAuto Lease ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$15000.00} Highest Balance {$0.00} Terms NA On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Vehicle loan or lease (Lease) with U.S. BANCORP (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: At the beginning of XX/XX/XXXX I contacted US Bancorp about changing my address since I had recently moved to another State due to the XXXX moving me. While on this call the banker informed me that my payment would change to a lesser amount due to lease laws being different from Colorado and that I should make the new payment for the coming month. I asked specifically if this would generate a 30 day late since my billing cycle had ended and the reply was no. Needless to say, I ended up with a 30 day late for XX/XX/XXXX. I did not receive an additional call or mail to inform me that there was an issue. I even looked at the application for US Bank and it had a zero balance throughout XX/XX/XXXX and up until the new payment generated for XX/XX/XXXX. I have contacted them countless times and disputed it with them as well as XXXX. They have denied my dispute twice. I have been on time without fail since the lease started.

I even asked for them to review the phone call from XX/XX/XXXXto show them that my story was true and a simple mistake was made on their end. They refused to listen to the recorded call that had the banker saying that all would be great and the 30 day late situation wouldn't happen. They even siad if it was their fault, they wouldn't fix it. They have no interest in making this right and I want everyone to steer clear of this terrible Corporation. This bank does shady business and doesn't take responsibility for their employee 's actions. 

Ultimately, if you tell a customer to change a payment and that it wouldn't generate a 30 day late which can be proven on a recorded phone call, they should fix the issue immediately. US Bancorp is not interested in helping the hands that feed them.

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 01-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never did this program and never received money from a loan or supplies to take these classes. They filed a lien against me and never served me papers so they violated my rights by not allowing me notice to defend myself in a court of law. Also who received the money from this loan? This is the XXXX XXXX and it is a fraud program that is why I never enrolled. Please put a stop to these illegal actions of falsifying court records saying they served me. I would like proof of who signed those papers please. Thank you for your help this is very disturbing! And is showing up on my credit that is how I found out about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Im writing to dispute the XXXX  record of a XXXX XXXX XXXX XXXX report, reference # XXXX, of which the XXXX XXXX was in a accident aroundXX/XX/XXXX The vechicle was fully covered by XXXX at the time of the accident. The insurance company deemed the car to be totaled. I notified the XXXX XXXX XXXX XXXX about the accident with the claim number assigned by XXXX. Then I was told by XXXX XXXX XXXX XXXX that I did not have to worry about any upcoming monthly payment regarding to that account. I also confirmed with XXXX XXXX XXXX XXXX representative that there was nothing I need to do and all the matter would be settled between XXXX XXXX and XXXX. With that being confirmed, I went to XXXX as pre-scheduled. However, when I called XXXX XXXX XXXX XXXX again in XXXX to make sure the matter was settled, XXXX XXXX XXXX representative irresponsibly stated that they did not receive the payment from the insurance company. So I contacted the insurance company while I was in XXXX to address this issue, XXXX representative told me that XXXX XXXX XXXX XXXX did not contact them. As a result, XXXX did not know how to send the payment. I was confused and stressed, for this issue should have nothing to do with me at this point. However, sadly, I could do nothing but to beg the XXXX XXXX XXXX XXXX representative to contact the insurance company to offer XXXX the information. I then stayed in XXXX for my own business until XX/XX/XXXX. 
When I returned to the US, I received a letter from XXXX XXXX XXXX XXXX that asked me to pay {$500.00}, which I immediately payed XXXX XXXX. According to the Lease agreenment XXXX need to notify me in person for unusual circumstance. I did nothing wrong in this whole process : I paid my dues, reported the situation immediately, notified both parties on time, and the only information I had was being notified that I had nothing to worry about. It is certainly the fault of XXXX XXXX XXXX XXXX and the insurance company for not contacting each other in time. I had no idea about the {$500.00} extra payment until I got home. I still paid it immediately when I got the notification. However, XXXX XXXX XXXX XXXX now has reported to the credit bureau for c/o ( charge off ) every month up to now ( XX/XX/XXXX), which is unfair and unlawful. I have evidence for everything I have stated above, and XXXX XXXX XXXX XXXX should also have record of the phone calls. Therefore, once again, I sincerely hope that XXXX XXXX XXXX XXXX would help me resolve the unfair treatment I have been through. I will definitely fight for the rights I deserve.

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 04/16/2016 about Credit card () with PAYPAL HOLDINGS INC. (TN).
Issue: Closing/Cancelling account

Complaint: I get a letter in the mail saying I owed {$19.00} for an account on Pay Pal Credit that I never opened or used. I have a regular Pay Pal account, so someone tied both of these together without my permission. When I try to pay them with my credit union checking account., they refuse payment, and want to to send a check to them. No, I do not send checks, due to the fact many people get defrauded and their checking accounts hacked, by sending them. I tried paying with a credit card, and they refused ( because I just want it to go away ). So, they have said they are going to take legal action against me, on this, and will destroy my good credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Late fee

Complaint: After being a customer for over 29-35 years ( first credit card ) I had my ID stolen and stopped doing business online for a while with all companies. This caused me to have one missed by a few hours payment in XXXX XXXX. Then in XXXX XXXX, I completed paperwork to setup auto pay. In XXXX, it was not yet set up for some reason and I missed a payment because I thought the autopay had been setup. I was told that this {$25.00} fee would be credited on my next bill and I should wait until I received the bill. I called customer service and was now told that I could not get money back due to having one late fee credited in XXXX. I aske d for a manager to call me and they called but I did not get the phone fast enough. Then I got a letter and when I called back today I was told by a " manager '' XXXX that she was NOT authorized to override the system 's decision to not give credit or a previously promised late fee by customer service. I have been a loyal and pay in full customer for over 29 years or more. I find it hard to believe that this company has no way of empowering their managers to do anything now that XXXX is over XXXX and was promised a late fee credit previously and since it was due to their lack of setting up the auto pay when it was sent in the mail to them in XXXX XXXX. I do not like getting late fees, nor have I for many years. Their system creates this without override capabilities and the manager has no ability to make a very long term and good customer happy anymore. I think this is a new phenomenon. no contact information to contact the company or a person empowered to do this can be provided.

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 08-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am not able to accept the modification offered by Ocwen Loan Servicing , LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage ws given to OCwen when GMAC went under. Ocwen has not asked for us to sign any loan documents or explain any of our fees. We were paying our loan and trying to modiffy with no sucess. in 2014 my husband got laid offf andthey modified us to a unemployment modnification and made it sound perfect. we were able to keep our home while my husband found anouther job. at 5 months thye cancelled our modification because we were 1 day late on the 1/2 of the payment we owed. once this happened hy explanined to me that now we owed them around {$15000.00} to keep our home. i asked why and how is that possible and they explained that what ever we do not pya on our mortgage we owe at the end of the modification. please tell me someone on unemployment is going to be able to save this kind of money when they are just making it by .... they felt no remourse and would not help us in any way. i had to either find the money or lose my home. what a shock this was. i had to go to a family member and ask for them to loan us money as we had no money and wanted to save our home. since then i have tried to modify my loan and htey refuse. i do have the lowest interest rate as when my loan was with GMAC they were able to adjust my rate with the first HAMP refinance i tried and for 2 yrs unable to make a mortgag payment and then when they gave us the 2 % rate they added what we owed on our mortgage to the back end of our loan so we became under in our mortgage and equity. Ocwen states that due to us not being XXXX or XXXX there is nothing they can do. then why this program to hlep. i am not asking for my payments to go lower i just want my principal to be back where it was. all of thi happened with GMAC and OCwen and is not communicated and when you ask to speak with managment for office of the presidents they tell you there is none and we have to deal with it. There is no concerns or willing to help with this company. i feel that there is something they can do for us. The main parts are the amount of money we had to compe up with to save our home after being on unemployment in the amount of {$15000.00} which no one that has no job has that kind of money, that is unfair and should not even be offered. that is a scam and they know exactly how to get you to think it is so great until the end. they want your home they want you out. 2nd issue is the no resolution to anything. they can not tell you why you are denied on something or what can be done. they just tell you no. there should be notes and detailed reasons for declines. instead it is just a no and you can either short sale or foreclose. i think that should not be a opition ....

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Billing disputes

Complaint: ordered a dress on the internet and paid extra for specific measurements. Dress came XXXX inches longer than the measurements. Their web site stated that if measurements were off by more than an inch they would pay 100 % for me to have it altered. They refused to do this. Filed a dispute with my credit card company and they ruled against me because they said I did not have the tailor provide detail information on the alterations. The letter the credit card company sent me never asked me to provide this and now they said it is too late to do anything on this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (NY).
Issue: Account opening, closing, or management

Complaint: My checking account was closed with no reason. Charles Schwab refused to provide an explanation as to why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Credit card debt) with Cawley & Bergmann, LLP (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Cawley & Bergmann LLC dated XXXX XXXX, 2017 stating they have been contracted to collect a debt owed by me to XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXX/XXXX XXXX in the amount of {$740.00}. I have no contract with XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX or Cawley & Bergmann LLC. I need this debt to be validated with a signed contracted not billing statements. Also, how can a debt collector collect a debt on behalf of another debt collector?

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alisa Katz Campbell, P.C. (MA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Pool service company " XXXX XXXX XXXX XXXX XXXX '' charged me XXXX - the XXXX time for a service that I agreed on. I paid in full for the XXXX service ( pool opening ). However I was not happy with the work that was done and I told " XXXX XXXX XXXX '' that I will not use their services any more. 

Immediately following the XXXX charge, after I told " XXXX XXXX XXXX '' that I will not use their services in the future, they charged me a XXXX charge without my permission. The XXXX charge was without providing any services without asking my permission to use my credit card info. They charged me Just because they had my credit card info and they realized that I will not use them again. 

I called my credit card company and the dispute was accepted the XXXX charge was returned to me. However the debt collector contact me to let me know that I owe the " service " ( that was never provided ) and lawyer fee.

Company response to consumer: Untimely response
Consumer complaint received 03/31/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: Chrysler Capital has charged me triple the amount of interest. They have charged me about {$15000.00} interest so far and I still have 36 months on my loan. This was a 72-month loan for the amount of XXXX. I still owe about {$19000.00} on this loan.

Company response to consumer: Closed with monetary relief