milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XX/XX/XXXX, a friend of mine ( a fellow member of the XXXX XXXX XXXX ) told me about the amazing offers that Barclay Bank had for XXXX XXXX XXXX members. He told me if I applied for a LUXURYGold Card, I would receive 0 % APR, pay no annual fees, get airline credit, plus many more perks. I was thrilled with the idea of having a card with no APR and no annual fees, that way I could pay off years of credit card debt without incurring interest on that debt. I called Barclay to ask them about the card, and they told me they were proud to serve members of the military and that they did in fact offer 0 % APR credit cards with NO annual fees to XXXX XXXX service members for the entire duration of time the are on XXXX XXXX. The only condition was to supply the bank with a copy of my leave and earnings statement ( LES ) to prove I was XXXX XXXX. I applied for the card, and got accepted. The {$990.00} annual fee for the card was applied, but as soon as I sent them my LES, the refunded the amount. Fast forward to XX/XX/XXXX, while XXXX to XXXX XXXX, my wife begins receiving letters from LUXURY Card stating that because I applied for the card after I entered onto XXXX XXXX, the conditions of the service member 's civil relief ( SCRA ) act did not apply to me ; therefore, they were going to begin applying the {$990.00} annual fee, but still offer me 0 %. I never applied for the SCRA with this company, nor did I even know of the existence of the SCRA when I did apply for the LUXURY Card. All I was told by LUXURY Card when I applied was that they offered a credit card with 0 % APR and no annual fees to XXXX XXXX members of the XXXX for the entire time the serve on XXXX XXXX. I know many service members who have also applied for this card because of the unbeatable perks they offered to XXXX XXXX service members. Now Barclay Bank and LUXURY Card are apparently able to change the terms and conditions of their agreements without repercussions, and XXXX XXXX personnel have to pay the price. I feel like Barclay Bank and LUXURY Card have unfairly baited hundreds, if not thousands, of service members into applying for an unbelievable offer, only to turn around and start charging them their exorbitant annual fee. This practice is appalling. I plead for you to open an investigation into the matter for all XXXX XXXX service members who were swindled by Barclay Bank and LUXURY Card. Thank you.

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 11/25/2015 about Debt collection (Non-federal student loan) with D. SCOTT CARRUTHERS (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This office is calling me numerous times a day, to my self, my home phone, my spouses phone and also calls me at work when I have notified them not to contact me at work. I refuse to speak with them because they are very rude and demanding on the phone.

Company response to consumer: Closed
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with Credence Resource Management, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a notice that this company will no longer be pursuing this account, because they are not able to verify the " debt '' but it it still showing on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a student loan wi th Wells Fargo. It  is winding down but I still have an outstanding balance. I regularly receive letters weeks after they are dated and have had months where statements do not arrive at all. Due to this, my wife and I have setup automatic payments from my bank. This loan 's monthly payment does change at times, usually in the $  XXXX  range each month, so we have instructed our bank to send in {$40.00} monthly. We have confirmation that this occurs. Apparently, one month the payment changed to {$40.00}. Rather than call me a single time , Wells Fargo considered it a late payment and reported it to the credit bureaus as such. T his is the second time since  XXXX   ( which, before we started sending automatically and when a payment was lost by Wells Fargo ) in which they have reported my account 30 days delinquent. This is dropped my credit score  by a  XXXX  points. This is reprehensible conduct.

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have experienced many issues with XXXX who now has my former XXXX XXXX XXXX loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation on XX/XX/XXXX with XXXX that my current home loan with XXXX  XXXX # XXXX is reporting past due payments on all credit reports. XXXX told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.

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 10/31/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The credit reporting company posted a debt to my credit report, that is not mines. The company did not even give me a letter about debt prior to posting to credit report. 

Letter dated XX/XX/XXXX but posted on my credit report on XX/XX/XXXX. I plan on suing this company as well. 

I have also filed a complaint with the Attorney General of Florida. 

The Fair Credit Billing Act ( FCBA ) provides guidelines for both consumers and creditors including procedures to manage disputes regarding billing statements. In addition, any interest accrued on the billing error has to be dropped if your claim is confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been attempting to come up with a solution to my current problems paying my loans.I started this on XXXX/XXXX/15 and have continued to send emails and talk to XXXX XXXX, Navient '' s consumer advocate. XXXX XXXX has been diligent in his efforts to resolve this, but even his attempts have fallen on deaf ears. I/ He have gotten no response from Navient for over two months, other than continuous emails and phone calls. As my attached letter states they have no interest in helping at all

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Mortgage) with Specialized Loan Servicing LLC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: my wife and I borrowed money from XXXX for a debt consolidation unaware that it was to be payed back in full in 10 years. after the 10 year period we where told our loan was sent to SLS Loan at XXXX this was XXXX after a year of sending in all documents required they would say information was late, needed to be resent again and again till we got my lawyer. Now with my lawyer we have tried to pay off debt since XXXX of XXXX only to be told info was late again or just not return our phone calls nor my lawyer. We would like to pay loan amount off and keep our house but they wont talk to us, we still have checks sent to SLS monthly for XXXX $ but they return them ... .we have been to SLS website and has noted we are not the only ones having this problem, and learned they are not favorable on XXXX website as well. PLEASE HELP US IN ANYWAY, PLEASE CALL SLS SO WE CAN MOVE ON, PAY OUR DEBT, AND KEEP OUR HOUSE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Mortgage (Conventional home mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Trouble during payment process

Complaint: USAA Federal Savings  Bank And  XXXX   XXXX  can not effectively communicate  ; USAA Home Value  Monitoring on my Residence-  XXXX   XXXX   XXXX   XXXX   XXXX  , AL  XXXX  is  XXXX  dollars while  XXXX  estimate  XXXX  dollars approximately after putting in over  XXXX  dollars in repairs/modifications ;    XXXX    numerous  books Property Owners Associations etc ... have ability to decrease home value and I have had significant issues with both my home owners association and City of  XXXX  , AL ,  XXXX  ; Also  XXXX  veterans live in this area and U SAA is  a military bank, run by ex-senior officers, so no telling what influences have played out here- not for me to figure out? My realtor with  XXXX   XXXX   XXXX  contacted USAA on my behalf asking for an explanation of the  XXXX  value and got transferred around to three different people/agents, they were then told an informal estimate would be emailed to me within 24-hours. This did not happen!!! I called USAA and talked with agent Friday  XXXX   XXXX    XXXX  . I had to repeat myself constantly. This agent then placed me on hold a very long time and then transferred me to wrong department in   XXXX   XXXX  - I then had to repeat myself over and over again. I told both USAA and  XXXX   XXXX  I wanted an informal estimate, and if it was  XXXX  below  XXXX  I wanted a complete written explanation as to why. I told  XXXX   XXXX  they had  24-hours  to sort this out with USAA and get back with me and they have not.  XXXX  my writing you yet again about another issue with USAA Mortgage servicing. I am beginning to lose count now. Any assistance would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (I do not know) with Tate and Kirlin Assoc (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Tate & Kirlin Associates sent me a letter on XX/XX/XXXX stating I owed {$280.00} to creditor XXXX XXXX XXXX. I sent a letter disputing the debt and requiring disclosure of the origin of the debt on XX/XX/XXXX. No one respnded to my letter. I received a similar letter on XX/XX/XXXX with a different account number for the same amount. I sent another dispute letter and have no response. They call me every single day when Im at work. I answered once and the woman on the phone yelled at me, told me she was helping and I had to work with her to make a payment plan. She would not acknowledge my dispute of the debt or my previous letter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (MS).
Issue: Struggling to pay your loan

Complaint: Speedy Cash stopped the payday loans and changed to the installment loans which are more expensive. They told me that Mississippi doesnt allow payment plans. If your payment is due on a certain day they could move it up by 4 days but it doesnt help if that 4th day is not a payday. I have paid so many overdraft and bank fees until I feel ashame and stupid. I needed the money but once you get it its hard to get rid of it. I dont understand whats hard about reasonable payment arrangements. Your 4 day extension is not realistic to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Requested validation and verification. These bankruptcy accounts being reported do not belong to me. I contacted Bankruptcy Court and respond was they did not report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Violation of fair reporting.ocu-validation, permissible violation to non legal agencies about consumers.

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 11/14/2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i filed chapter XXXX XX/XX/XXXX but dismissed it XX/XX/XXXX XXXX says it stays on 10 years from XX/XX/XXXX but other reports from other agencies says it should go off in 7 years i read on internet also saying 7 years transition and XXXX already took it off what is the law for chapterXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: My mortgage application was mishandled by Wells Fargo Home Mortgage. They took 3 weeks to process ( when they committed to 5 days ) and then denied my application due to " insufficient savings history ''. I tried to provide info to support the savings history but they mishandled it. I opened an investigation with their customer service and they provide incorrect statements in their final report ( flat out lies ) so I am reaching out to you for help. I was able to get a mortgage with another bank but it cost more in fees and interest rate. 
WF is deplorable! I hope you have time to investigate this before XXXX takes away your funding. : (

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 04/20/2017 about Debt collection (Payday loan) with BTH Management (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On   XXXX   XXXX   XXXX    XXXX     i checked my  XXXX  credit report and saw that a new collection was placed on my report from   XXXX   XXXX   XXXX   for {$310.00} showing an open date of   XXXX   XXXX   XXXX     stating original creditor   XXXX   XXXX   XXXX  . I have no knowledge of said debt and due to my mother and i having the same name and i have had problems with her creditors in the past i decided to take no chances and sent   XXXX   XXXX   a  Debt Validation  letter through certified mail with a read receipt attached in hopes they would be able to send me something that would show that i owe the debt such as : a contract or payment history with my information. I also disputed the debt with  XXXX . About a week later i received a letter from  XXXX  stating the debt was " verified as accurate '' even though i still had not received anything from   XXXX   XXXX  . So i contacted  XXXX  by phone and asked them to reopen the investigation which they did and said they would reinvestigate. Then a week later i received  XXXX  separate letters from   XXXX   XXXX   The first letter dated   XXXX   XXXX   XXXX   was a  XXXX  ebt Validation Notice stating they purchased my debt and if i dispute the validity of the debt i can notify them in writing within 30 days so that they can obtain verification of the debt. The second letter dat ed   XXXX   XXXX   XXXX     was a Identity Theft Dispute Response letting me know to submit a police report for the identity theft. On    XXXX   XXXX   XXXX    XXXX   wrote to   XXXX   XXXX   again through priority mail with a read receipt responding to their letters and again requesting debt validation. I also requested any contract or documentation that ties me to this alleged debt. Then on   XXXX   XXXX   i received a letter from   XXXX   stating again that the debt was " verified as accurate '' even though to this day i have not received any other correspondence from   XXXX   XXXX   I have since mailed out to  XXXX  through ceritified mail with read receipt for Method of Verification due to still not receiving anything from the debt collector. This has caused me great distress as it has affected my  XXXX   XXXX  since it is showing as a recent collection from  XXXX    XXXX  . I am filing this complaint in hopes i can remedy this situation as quickly as possible.

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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed unauthorized inquiries  on 2 occas ions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.     XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   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 explanation
Consumer complaint received 08/17/2017 about Debt collection (I do not know) with 4M Collections, LLC (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting repeated voicemails from XXXX XXXX XXXX. First and foremost, I have not received any written letter from XXXX XXXX XXXX via U.S. Mail, as required by federal law, informing me of their intent to collect any debt from me, nor my right to dispute the debt. Secondly, I have informed them, via my voicemail, that they are to leave a detailed message why and who they are collecting for and if they continue to harass me I will report them. This method has failed as all they leave for a voicemail is, " This is an attempt to collect a debt by a debt collector. Please call XXXX XXXX XXXX at XXXX. Thank you. '' Third, according my credit reports, I have no outstanding debt that has been referred to a debt collector. Ultimately, XXXX XXXX XXXX needs to stop harassing me with debt collection, when they have the wrong number. Here are some of the calling and voicemail records I have of them. Called and left voicemail : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  Called and left no voicemail : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have filed a borrower 's defense application against XXXX. Navient oversees my private loans that are apart of this borrower 's defense loan. In addition, within the past year Navient has, without a reasonable amount of notice, increased my monthly payments from XXXX to XXXX dollars a month. I am constantly having to put my loans in forbearance and save up for the XXXX dollar payment, meanwhile they are reaping the benefits of their high interest charges on two separate loans of 9.5 % and 11.5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is my place of employment and they continue to call this number instead of my private number even though they have been requested numerous times that I can not receive these calls at work nor confirm my social security number at work. It is a public place that anyone can hear the conversation. I have requested they call my private number but refuse to and then state that is me refusing the debt and still continue to call my work

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted Experian on a number of occasions to inform them that US Dept of Education Account is reporting inaccurately 3 times on my credit file. The account is showing Derogatory status and this account is currently being paid as agreed. I will like for them to change this derogatory status. The account is showing as KD and it is not. I am paying them every month ontime according to their payment agreement.

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