milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/24/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have communicated XXXX with a XXXX XXXX XXXX at XXXX XXXX XXXX on several occasions. On more than XXXX occasion I clearly asked that all communication be made via post and to no longer call me. 

I made these requests on about XX/XX/XXXX, XX/XX/XXXX, and other dates. My do not call request was noted in the system. On XX/XX/XXXX, at XXXX pm the same person called me ( XXXX XXXX again, the very person who put the note in the system ) concerning the debt and I brought this to her attention. This was the second time they have called me after I have requested being put on the do not call list.

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 08/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My son attended XXXX XXXX 10 years ago, my parent student loan was for approximately {$18000.00}. At that time, ( obtaining the loan ) I just filed bankruptcy and was skeptical about proceeding but was assured there would always be additional options in the future to assist me with if I was to struggle with the payment. I was struggling and I phoned XXXX XXXX and Navient to see if about the additional assistance to help me with repayment of this loan was, they said my only option was forbearance or interest only, each time I called. needless to say 10 years later my loan principle is now {$23.00}, XXXX. I used forbearance a couple of times but when the forbearance was over the payment was too much and I was only able to do interest payments. I feel as though I was taken advantage of and was misinformed of my options. When I first obtained this loan I just filed bankruptcy and was unsure if I would be able to handle the additional burden but I was assured XXXX XXXX would always have my best interest in mind and will work with me if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (CA).
Issue: Struggling to pay mortgage

Complaint: Please be advised that this office represents XXXX and XXXX XXXX in connection with an effort by XXXX and XXXX XXXX to have their home loan modified. This file is much more than bare numerical calculation of expense and income, and it is our desire to be able to speak directly with the decision maker on this file. We are setting forth in this letter, reasons we feel warrant a forgiveness of the entire loan balance in this matter. 

As a reflection of both their good faith and dire need for a correction of the past deeds of U.S. Bank Home Loans, XXXX and XXXX XXXX are now coming to you and your company to enlist the support for a full principal loan balance forgiveness of the mortgage on their home. Per our borrower 's authorization that is enclosed, please direct all correspondence and communication on this file to our offices, and not to XXXX and XXXX XXXX. That is the desire and request of our clients, as per the authorization. If there is any further action that we need to take, and documents that we need to submit, in order to proceed in this fashion, please let our office know. In the past, my experience with U.S. Bank Home Loans, has been there is some disorganization and/or misdirection in the modification application process. 

I am sending this communication directly to your offices in the hope that this will be the efficient manner to facilitate a loan modification on behalf of our client. In addition, upon receipt of this package, I am requesting that the person on your staff who has the authority to speak with XXXX regarding our concerns would contact me immediately to review with me any additional information I would need to submit to arrive at a modification which is successful to my clients, as well as to discuss what we believe to be reasonable and appropriate terms of such a modification. 

This loan contains a " Balloon Note, '' dated XXXX XXXX, 2007 at a 9.375 % interest rate, in the amount of {$120000.00} ; is a predatory loan, and must be completely forgiven. This loan was a scheme on the behalf of U.S. Bank to further entrap them in their home. 

XXXX and XXXX XXXX have suffered through a number of Legal Offices which have coerced them into spending money for a loan modification ; these Legal Offices have been reported to the Proper Authorities, as they did nothing to help XXXX and XXXX XXXX to keep their home from foreclosure. 

Very Truly Yours, XXXX XXXX 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 09/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The debt I 've acquired is from an apartment complex in Texas I lived in about 5 years ago. Upon moving out I was charged my full deposit plus other ridiculous fees resulting in me owing over {$500.00}, which I had no intentions on paying. To this day I have never been contacted to repay this debt by the apartment company or the collections agency. The only reason I know it was turned over to collections is by checking my credit report.I still have had no contact with either party but am seeking information on how best to handle the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have requested TransUnion to remove unauthorized request off my credit report for months now. I am a victim of identity theft. I did not make these inquires or authorize 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 explanation
Consumer complaint received 03/21/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Account opening, closing, or management

Complaint: My complaint is regarding a late fee Bank of America ( BOA ) has fraudulently assessment on my account. I have spoken to an account representative and her manager about this issue today XXXX/XXXX/15 and was advised it assessed because my payment was processed at a certain time. For all I know the reference number for my complaint with them is XXXX, XXXX and XXXX. 

According to my monthly statements Late Payment Warning, if they do not receive my Total Minimum Payment by the due date ( XXXX/XXXX/15 ) then a late fee will be assessed. Nowhere on my statements does it reflects that a payment must be made by a certain time. Therefore, on XXXX/XXXX/15, I made two payments, one with a representative due to their online issues and another on the website after It was determined that the issues were only with their acceptance of new banking information I attempted to add. 
For me, this is a simple fix as I have been with BOA for more than 10years but I guess this is something that 's not relevant to them. As I stated, they did not disclose a time on my statement and I 've made the payment according to the information I get from them. To remove myself as their victim, I 've paid off this account except for the erroneous fee of {$25.00} and have also paid off my fianc 's account off which had my name on it. At this time, it 's up to BOA to finalize the closure of my account because I will not pay this fee as I 've complied with their due date not due hour. 
I am requesting confirmation in writing indicating the closure of all my accounts with them. ( I am sure they have my social and know all accounts is associated with that social. ) If they find an account with my social, then I would like to be notified so I can also pay that off and get away from this bank completely. For all I know, I only had the XXXX accounts in which are paid off as of today. 
Please note that I do not care about their logic as I can only imagine how many people they 've done this to and have gotten away with it. All I want is that they correct their issue with this late fee and let 's go our separate ways.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: In XXXX, the information on my credit report was removed from all credit reporting agencies because I filed a complaint with the CFPB. The issue was resolved to reflect that the account was paid in full with a zero balance per Experian response to CFPB. I got a alert in XXXX XXXX and XXXX XXXX stating that the information was placed back on my credit report showing that I have a balance of {$120000.00} and pastdue of XXXX with monthly pymtss of {$840.00} per month as of XXXX XXXX. Now they are putting this information on my credit report showing an outstanding balance and that I owe monthly payments

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Writing to this company last XXXX XXXX, 2017 is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XXXX XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated.

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 Payday loan () with TMX Finance LLC (GA).
Issue: Payment to acct not credited

Complaint: I took a {$500.00} personal loan with a company called Insta Loan. I 've made payments of {$120.00} per month for over 4 months to Insta loan which mean i covered more than the loan amount. Each time i meet with them at the office to make a payment they told me they were updating my information, which false. It was false because i recently found out that they were reapplying for a loan each time i made a payment. When i looked at my balance it never decreased it only increased each time i made a payment. Then i checked my credit report and they applied XXXX loans of {$600.00} on my credit. I spoke to a man named XXXX in the office and he told me that these kinds of loans are not set up for you to get out of, and that i 'll be making endless payments for years.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Adjusters, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: these people started calling me on XXXX/XXXX/2015 about an illegal usury interest rate account, that they purchased from XXXX XXXX. XXXX XXXX does not have a license to make these type of transactions in the state of California ... ..I advised them that I will not pay {$900.00} in interest on a six month account and requested their license number..they have not provided it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Have been repeatedly called by a collection company telemarketer looking for a person I do not know. I have explained this to the callers XXXX times. I have no unpaid debts nor have I ever.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (UT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I called CIB credit collections for the doctors business bureau. I got hung up on the first 3 calls by a XXXX XXXX. I finally found a different number online to call. I was told by XXXX there was no supervisor available, then when I called another number I got a supervisor who kept asking if I had the call on speakerphone letting me know that she wanted to not be on speakerphone. I advised her that if she had something to say she could say it no matter what the phone was on. She seemed irritated and did n't like that. She stated they had been mailing requests for payment to an address I have n't had for years. This is on my credit, and I have n't even received proof of debt. I also refused to give my card number over the telephone due to not being sure it 's even a legitimate business. She did n't have anything to verify their legitimacy other than " well we are on your credit report ''. I now owe {$28.00} to a company that I ca n't reach 4 out of 5 times and I ca n't get verification is even legitimate. I feel like this is deceitful and fruadulent.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with Resurgent Capital Services L.P. (SC).
Issue: Customer service / Customer relations

Complaint: This company has been harassing me, violating the FDCPA laws and when called them out on it they became combative and very unprofessional. This company placed an credit account on my credit which I have no acknowledgement of. The last name on the account is XXXX which I 've told them before is n't my last name. I 've never been married I 've provided documents showing proof and still they wo n't remove off of my credit. My last name is XXXX and never been XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: APR or interest rate

Complaint: On XXXX XXXX, 2015 I went into Sams Club and they were signing customers up for credit cards. I applied and they approved me for a {$5000.00} limit. I asked what my rate was, at which time the lady told me I was approved for their 14.90 % rate. She did not give me any paperwork only verbally told me my rate and printed a new card with my account on it at the store. I then spend about {$3000.00} before I got my actual card and paperwork in the mail. The paperwork they send me said my rate was 22.90 %. I then emailed them and told them what took place. They sent me a letter and refuse to do anything about getting me to spend money on credit up XXXX rate and then switching it to another. I attempted to resolve the matter without involving the CFPB, but Synchrony Bank refuses to honor the rate I was told I was getting.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I ordered a credit report for {$1.00}. A week later I was reviewing my credit card statement and Experian had charged me {$1.00} and then another charge for {$21.00}. I called and they said that by ordering a credit report that I had agreed to a 7-day free trial of a service from XXXX, a company that I have never heard of. They gave me 7 days to cancel or be charged monthly in perpetuity. Of course, since I did n't have any idea about a free trial I missed the window and they refused to refund my money. This is a TOTAL SCAM. Whatever fine print they had on the website can not stand up in court. I never agreed to nor was I notified. I thought I was doing business with a credit bureau. They slid this in unknowingly and thought they were just going to help themselves to {$21.00} per month forever??? XXXX using the Experian name to disguise themselves as a friend to consumers, only to then hit them with the exact same kind of fraud that Experian seeks to protect against.

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 08/21/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I tried to withdraw the amount of XXXXEUR from my account at Coinbase on XXXX XXXX. They sent me an email mentioning that the withdrawal was initiated and the money would be appearing in my bank account by XXXX XXXX ( plus extra 2-3 working days maximum for my bank to process the deposit ). However, nothing has appeared on my bank account so far. I 've lodged couple of support requests to solve this ( one made on XXXX XXXX, other on XXXX XXXX ), and tried to contact them through their XXXX account starting on XXXX XXXX, yet had I received no answer from both channels. All the dates/time mentioned above are in central european summertime.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: Hello. I started my application for a HELOC ( home equity line of credit ) on XXXX/XXXX/16 and provided all necessary documents in a highly timely fashion as soon as requested ( usually in the same day if not within the week at the latest ). The application process dragged on such that I was told verbally that this was going in circles on XXXX/XXXX/16. I was completely misled as I was told by the senior loan officer and bank manager personally that the HELOC would be secured by end of XXXX 2016 at the latest.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I continue to have problems financing an d my FICA score is  continually low way under  XXXX . They have my grandfathers information even though we have separate ss numbers, and a different middle name. They have old and outdated information which after corrected reappears. While they will give me a report I can not download it for review, print it or anything. It takes weeks to get a copy meanwhile my finances are impacted. Wrong information is of course shared between all   XXXX   credit bureaus and none evidently care what is posted correct or otherwise.

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 08-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar is in violation of CA Homeowner of Bill of Rights and guilty of acting in bad faith for denying borrower their legal right to do a short sale when they countered the offer without giving buyer anytime to respond to the offer. They simply countered the offer and then closed out the request which is acting in bad faith in a real estate transaction as buyer must be given time to answer counter and illegal under the CAHBOR since they are denying short sale when they denied buyer their right to answer counter. 
Nationstar is also in violation of anti dual tracking CA laws for having a sale date on a property when borrower is seeking foreclosure alternative programs. Dual tracking is not limited to modification nor does CAHBOR state that a short sale must be " approved '' in order for dual tracking to be illegal. 
Finally Nationstar is on the record as lying stating seller cancelled short sale transaction immediately after buyer was countered that is a complete lie. Lender closed out short sale denying buyer their legal right to counter. Violation of Real Estate contract law. When Nationstar countered they entered into contractural negotiations.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Our company runs a XXXX to help low income communities with access to bill payment and phone balance reloads. We do this by deploying bill payment machines into convenience stores in low income areas. We opened an account with Bank Of America to allow store owners to deposit the funds from the machines. When I opened the account, I explained exactly what we do. A couple of months later, the account suddenly gets classified as an " MSB '' account, and gets frozen by the bank 's MSB department. Because of the bank 's actions, we have racked up over {$1000.00} in fees which is absolutely unacceptable. At this point, I just want my money back, and to close the bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I just learned today that the debt collection agency XXXX XXXX XXXX on behalf of Bank of America telephoned my wife in late XXXX XXXX. The collector harassed my wife to the point that she felt forced to pay {$50.00} on the account and has done this in years past to re-age the account. The account is not my wife 's account. It is my account. I never gave my wife authority to pay anything on the account or on behalf. The account is out of statute. Back in XX/XX/XXXX my XXXX son XXXX for months on end. I have not, personally, paid on the Bank of America account for over 5 years. I know the collection of the account is out of statute. Here in Pennsylvania the statute of limitations is four years. I believe it is an unlawful collection practice by XXXX XXXX XXXX to hound a non card holder to make a nominal {$50.00} payment in an attempt to revive the statute of limitations -or any other amount. I believe that XXXX XXXX XXXX should return to my wife the recent {$50.00} payment that they procured by fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief