milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is a complaint against Barclays Bank delaware. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit 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 11-01-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Capital One has a grace period for pay your auto loans on time. When I paid my monthly payment for the loan it was within the grace period. The amount was for about {$200.00}, my monthly payment is {$240.00} and some change a month. 

They report to the three credit bureaus that my payment was late, it wa n't late because i paid within the grace period except for {$48.00}. I was short but did n't think I would be hit with a late payment when I did make the payment it was a little short. My balance would carry over not to hit my credit report with a late payment, which dramatically lowered my Credit score by a XXXX points. I 'm trying hard to maintain good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Settlement process and costs

Complaint: Our house burned down on XX/XX/2016. We were covered by XXXX, who, according to the terms of our policy, sent most of the money to our mortgagor. XXXX Mortgage XXXX received {$190000.00} of our money. XXXX held on to our money for a month, never releasing it to us, then sold our mortgage to Nationstar Mortgage. I had to go through the whole process again to get my money released to me. In the meantime my builder was ready to walk off the job of rebuilding our house because he was n't getting paid. I finally got all of my money except for {$7800.00}. Nationstar said that they had to send out an inspector to " protect their investment. '' I advised them that the house was completely rebuilt and that I had a XXXX of XXXX. They said they could n't trust that!!!!! The original inspection was ordered on XX/XX/2016 ; I was never called. On XX/XX/2016 I called again and was advised that the inspectors had our wrong phone number. I told them to call me on my cell phone since our house phone was set up yet. On XX/XX/2016 I called again and was advised that no one answered the phone to set up the appointment. The number they were calling was our old house number that was disconnected. I was assured that the inspector would call us to set up an appointment on XX/XX/2017. As of today, I have not received any calls. These inspectors are not capable of making a single telephone call, how are they capable of doing an inspection? The way we have been treated is disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have trouble with my transunions credit report. I have a XXXX hard inquiry with XXXX. I talked to this credit company to find out that I never had an account with them. 
Transunion needs a letter telling them that i do n't have an a account. Just please state that I do n't have an account with you and resolved this problem or at least with direct me to the person who can help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a bill for an XXXX and now the collection agency is telling me that a 'MISSED ' payment was applied to " another account '' so I still owe them money. This is incorrect. They have either stolen a payment or misappropriated a payment. I set up over the phone a series of payments that paid off the entire balance in full. They cashed the first, third, fourth, etc.. payment and are saying that I did n't pay one of the payments. My bank statement documents the deduction to their account but they do n't want to acknowledge this.

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 04/17/2015 about Debt collection (I do not know) with National Collection Systems, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Debt collection company was issued a validation of debt notice which was received XXXX XXXX 2015. They have posted the debt on my credit score after being told not to until validation was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/23/2015 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Credit decision / Underwriting

Complaint: I have been paying Beneficial Member HSBC Group for the last XXXX yearsand I am in the final year of payment. I just found out that BeneficialNEVER reported this to the Credit Bureau. Is this legal? I have nevermissed a payment nor been late. This is XXXX years that should have beenon my credit report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: MY INTEREST RATE IS THROUGH THE ROOF AND MY PAYMENTS GO TO INTEREST AND HARDLY ANY OF THE PAYMENT GOES TO PRINCIPAL. I HAVE BEEN PAYING IT FOR 11 YEARS AND IT IS HIGHER THAN THE ORIGINAL AMOUNT I TOOK OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Real Time Resolutions, Inc. (CO).
Issue: Trouble during payment process

Complaint: I want to start by saying that Real Time has been nothing but polite and considerate this whole time. I do not fault any of the service reps that I have dealt with. My husband and I obtained a home equity loan through XXXX XXXX 9 years ago that was 125 % of our home value. The market crashed and XXXX went out of business, selling our loan to Real Time Resolution or an investor that they represent for pennies on the dollar. We ended up filing for Chapter XXXX bankruptcy 7 years ago. Our lawyer avoided the lien in the bankruptcy paperwork and Real Time did not file any objections. Our home was very negative at the time. We were able to settle with our 1st mortgage company and have been making payments on time since. This year we are trying to refinance our home mortgage so that we can pay off some extra debt and we have good equity in our home now. I have spent the last several months trying to get a settlement with Real Time. They say that we owe {$69000.00} in principal on the original loan and then want an additional {$75000.00} in interest for the last 8 years of not paying on this second mortgage. They are not on our title and they are not on our credit report and they have not been able to provide me with the documentation stating that they have the authority to remove the lien from our title. They were not willing to present an offer to their investor because it was not enough. Another offer was just made but we are hitting a point were our DTI is going to make this process impossible. I worry that they actually do not have a claim here and that I am going to send them money and nothing will happen except I am now out a lot of money. I have never seen any paperwork stating loan balances but I know that they were not able to bother us because of the bankruptcy laws. Realtime loan # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells fargo denied my loan modification based on inaccurate information .Theu claimed I have a transportation expense when indeed when the correction of that was relayed via overnight certified mail and verbally to their home retention unit and XXXX XXXX month ago.Without a transportation expense I most certainly do qualify to get this modified taking XXXX % of the rents ( {$1300.00} ) by wells fargos models ( with this trANSPORTATION expense backed out would certainly cover a hypothetical 30 year note payment at market intrest with aggragate balanced arrearage owed included.Enough is Enough.wELLS IS LOOKING IN EVERY WAY TO STOP THIS MODIFICATION FROM HAPPENING.

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 09/13/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My son has a new cell phone. Okay, it is not that new. We bought it for him a year ago, when he was XXXX and biking to school on his own. Recently Receivables Performance Management has been repeatedly calling his phone. They want to collect a debt from someone else. I called them back this evening and I had a very disappointing experience. I told them they were trying to collect a debt from the wrong person and the person they were calling was a minor. They told me it would take 40 hours to remove his number from their call list. I said they were violating the law calling a minor and they should be able to comply in less than forty hours. They could not do more. I asked to speak to someone who could assist me, and the person who answered said he just transferred calls and he could not help me and the four people there were all busy. 

I then asked if they were registered as a debt collector in XXXX, and the phone rep was unable to answer the question. 

About a year ago, someone was calling my son 's phone to collect a debt and I explained to them that this was the wrong number and the person they were calling was a minor. They stopped calling. I am afraid this is just a resold debt and this will not come to an end. 

I also think that they should send my son a written appology for repeatedly calling his phone during school hours.

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 01/18/2016 about Credit card () with JPMORGAN CHASE & CO. (SC).
Issue: Billing disputes

Complaint: I signed up for Amazon Chase credit card to get a discount on my purchase. I did not put any purchases on the card. Amazon automatically put some purchases I did not make on the card. After several calls to XXXX and Chase these purchases were removed. I instructed Chase TWICE to cancel the card. They assured me on the phone TWICE it had been done. Today I got another bill for late fees and interest because their computers think I made charges on the card that were not paid - XXXX and CHase have both told me this was corrected!! 

Please have Chase remove all charges, remove any derogatory comments from my credit report and CANCEL this card permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine. I live with my parents and do not have cable in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On the XXXX XXXX 2016, while trying to get my report online, Trans Union kept telling me " unable to complete your request '', I then tried XXXX and XXXX and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their .com websites which redirects me to the the XXXX website. 
I was advised to file a police report and need the credit reports to do so,

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 04/18/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (IA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: I went in XX/XX/XXXX to close my banking accounts at the Wells Fargo in XXXX, Iowa and they never closed the account even after my person banker XXXX XXXX said he would take care of it first thing in the morning. They never closed the account and allowed reoccurring payments to go through 3 times after not closing the account and over {$150.00} in fees after that giving me a negative balance of {$180.00}. When I go in on XX/XX/XXXX after finding out just then that this had been going on because they sent no mail to my house and left me no voicemails. When I speak to a different banker she tells me that the account has been closed on XX/XX/XXXX. I ask what happened with the negative balance and she tells me I dont owe anything and that the account has been taken care of. Today, XX/XX/XXXX I go in there because they had sent me to collections with no prior notice whatsoever. They proceed to say its all my fault and that I should of went in to do their job for them basically and say theyre gon na call their resolution center to help fix the problem and that Id hear from them in 2 days. They then call me one hour later and they lie to me once again and tell me that they tried to contact me through call and voicemail multiple times and that I have to pay the full amount to collections. Why would I ignore voicemails from bankers trying to tell me my account that should of been closed has been being hit by {$150.00} of fees? Not only was XXXX XXXX incompetent and didnt know what he was doing, his branch manager was one of the most rude and disturbing people I have ever met. I really need to figure out how they can fix this without lying to me every time they speak to me. Im a hard working man and {$180.00} is a lot to me compared to a bank thats estimated to be worth XXXX XXXX dollars. It felt like I was being robbed. Every time they said they were gon na do the job I asked of them they lied. Especially claiming they called me and left me voicemails and sent me physical mail. I check my phone and mailbox everyday and I never saw anything until I open up my mail today and see a letter from the collection agency, so not even a Wells Fargo notice.

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 08/28/2017 about Debt collection (Other debt) with Carter-Young, Inc. (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Carter-Young INC is reporting an account that is entirely invalid. Over the last year I have been writing them to get them to fix the problem, but fraudulent companies are just that ... fraudulent. While I was on XXXX XXXX in the XXXX at XXXX XXXX, XXXX., I lived in an apartment outside the gate. Surely enough, I received XXXX XXXX to XXXX XXXX, XXXX. These XXXX when signed by my company XXXX and presented to the property managers takes me out of the lease 1 month after me showing them the orders, because, ol ' Uncle XXXX is forcing me to move.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi I am a victim of Identity Theft and Finical Identity Theft, I have written Transunion 29 Times Concerning 1 Fraud address to be removed and 29 Fraud Inquires to be removed. They all was done the same day/month! Some scammer was trying hard. 
Transunion refused to remove the inquires and told me to contact the companies. I did write the companies 29 companies and 8 letter per company over the last 9 to 11 months! And they all refuse to even answer me. 
I have a Police report and proof of My Identity along with My Passport proving I was Living out of the country for over 3 yrs and this is Fraud. Please remove these Inquires. 

INQURES 1. XXXX 2. XXXX 3. The XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 11 12. XXXX 13. XXXX 14. XXXX 2 x 15. XXXX 16. XXXX 17. XXXX 18. XXXX 19. XXXX 20. XXXX 21. XXXX 22. XXXX cr 23. XXXX And Fraud address XXXX Please help me remove all these frauds Inquires, I tried and need your help.

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 11/14/2015 about Debt collection (Credit card) with Altisource Portfolio Solutions, S.à r.l. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I, XXXX, received XXXX collection letters from Nationwide credit Inc. where they are showing the bar code in plaint view for anyone to see. 

To be clear here, I choose " Communication Tactics '' and choose the third option " Used, obscene, profane or other abusive language. '' I could not find an exact description of my issue with respect to the Bar Code. 

Showing the " Bar Code '' is a FDCPA violation of section 1692f ( 8 ). And in their first letter I received from them, they are violating the FDCPA by only allowing me XXXX options to resolve my account. SECURE ONLINE PORTAL, PAY BY MAIL, and PAY BY PHONE. It is like I have no other option but the XXXX that are given to me. Then they reverse themselves and tell me " Unless you notify this office within thirty ( 30 ) days after .... '' This of course is my mini-miranda rights. This is also a violation of the FDCPA and Texas Finance Code. They have been sued in the past for the very same things they have done to other consumer. Just recently XXXX XXXX XXXX XXXX XXXX, XXXX., the same bar code matter went before the court and the Defendant debt collector lost in the Memorandum that came out in XX/XX/2015. 

In the attachment is a copy of the letter I received and some recent court cases brought forth by other consumer like myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (FL).
Issue: Trouble during payment process

Complaint: In  XXXX   XXXX  we received the first piece of communication, in some 4 years, fro m SLS ( S  pecialized Loan Servicing ) r egarding our second mortgage on our home, stating that we were approximately {$6000.00} in arrears, demanding payment or foreclosure proceedings would be initiated. We had diligently made every payment to this servicing company that had taken over our second mortgage, even though they refused to communicate with us since  XXXX  of  XXXX , when we had been forced to file personal bankruptcy. We made call after call to SLS to try and determine what was going on but they refused to speak with us and finally we were forced to have our bankruptcy attorney call, at which time they advised us that the loan had reach a point of re-amortization in  XXXX   XXXX , and the payment had changed from {$250.00} to {$820.00} per month. In any case we paid the arrears amount immediately and began looking to refinance our mortgage. SLS unfortunately has taken this opportunity to report erroneous negative information on our credit report and to other mortgage lenders seeking a payment history. We strongly assert that we did not receive any notice of changes to our mortgage payment leading up to the  XXXX   XXXX  change, nor did we receive a single notice of a shortage from  XXXX   XXXX  - XXXX   XXXX . I ca n't see any reason why we should be penalized when SLS clearly did not follow the law regarding a change notice, nor did they make any attempt to contact us when they saw we were making the same payment we had for the last 10 years, instead of the re-amortized payment amount.   I asked SLS today why they did not send us any notifications, and they state that they did, on  3  occasions. I am old school. I read the newspaper ever day. I read all of my mail every day. I know that it is not possible that SLS could have s ent 3 notices and I would not have seen any 1 of the m. Our phone number has been the same since we bought this house as well. We have not received a single phone call or message from SLS regarding this or any other matter. I asked if any of their communication was sent as registered mail, and of course their answer was no. We received no communication and no documentation, period.

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