milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A while back I was contacted by  XXXX   XXXX  about a credit card debt. I informed them that I had not opened credit card account with them. I also requested at that time to send me a copy of the application bearing my signature as proof of this obligation. I never got anything from  XXXX   XXXX  but a letter stating they had sold my account to  Portfolio Recovery Associates. When I received a letter from Portfolio recovery I replied with 2 certified letter s requesting proof of the debt, that proof being a signed application bearing my signature proof that this was my obligated. So far all they have sent me is statements which they claim is proof of the debt, which it is not. I explained to them that they purchased bulk debt from  XXXX   XXXX  without checking its validity. This debt is NOT mine they have FAILED to provide valid proof, that being a signed legal contract which bears my signature. Recently a negative mark was placed on my credit report noting this invalid debt. They statements they have sent are not proof of a legal obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: For years I was only given forbearance options and my loan has skyrocketed to over 110k because of the interest capitalization and origination fees. That was never explained to me nor did I completely understood my options at the time. Forbearance was the only option offered. I believe when I completed my XXXX program ( Never could finish my dissertation ), I could not afford any additional loan and my balance at the time was only XXXX. Now I am not even going to school and it ballooned XXXX higher.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Account opening, closing, or management

Complaint: I signed up for a business checking account for my son to start a new t-shirt, screen printing business with Wells Fargo Bank XXXX/XXXX/XXXX. I deposited {$2500.00} to open the account, which I thought was a simple checking account. The business was in my son 's name and registered in the State of XXXX, I live in XXXX. 
On XXXX/XXXX/XXXX I went into the local Wells Fargo branch and met with a Banker to remove my name from the checking account and leave it solely in my son 's name. I completed the paperwork with the Banker and thought that would be my last involvement with the account. 
About the 3rd week of XXXX XXXX, I received a call from my son in XXXX stating that Wells Fargo had contacted him regarding his outstanding balance of over {$9000.00} and that I was personally responsible for the balance which was on a credit card tied to the checking account. I never signed up for a credit card on the checking account and had removed my name from the account 9 months earlier. 
The final result of this was that Wells Fargo charged {$1300.00} in overdraft fees and almost {$1900.00} in finance charges in the approximately 9 months that the account was supposedly in the hands of my son. Wells Fargo came after me for the $ XXXX and eventually I agreed to pay {$9000.00} to avoid the ongoing monthly charges and the ding to my credit each month. 

They said I agreed to this credit card on the checking account and that when I removed myself from the checking account I should have also told them that I wanted myself removed from the credit card. How could I possibly ask to do that when I did n't even know there was a credit card attached to the checking account? Should n't the Banker I worked with to remove my name in XXXX XXXX have told me that there was a credit card attached to the account and that I was responsible for any activity in spite of removing my name from the account? 
I feel I was told to sign things which were not explained to me and should not have been responsible for anything more than a simple checking account with an initial deposit of {$2500.00}. 
I plead my case with the local branch manager, the local District Manager and his Boss in XXXX and was told I had signed the forms and I was responsible, no negotiation. 
I feel Wells Fargo owes me {$9000.00} and a full apology for the time and aggravation they put me and my son through.

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 09/16/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I challenged a collections account on my XXXX credit report from a company called Wakefield and Associates Inc. The account was removed from my credit report and two weeks later, Wakefield and Associates Inc, illegally reported 2 NEW collection accounts that do not belong to me, to my XXXX and XXXX credit reports out of retaliation for having them removed from my credit reports. My credit report indicates that Wakefield and Associates Inc, reported the supposed debt was opened on XXXX XXXX XXXX. I havent been to the emergency room in over 2 years and Wakefield and Associates Inc are lying to XXXX and XXXX. Ive asked them to provide proof of ownership by showing a copy of my drivers license and social and they decline because they do not posses any of it. If they do not remove the the fraudulent accounts, i will be forced to sue them and have the accounts removed. I have already forwarded a copy of my credit report to an attorney to look at. Wakefield and Associates Inc is breaking the law.

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 02-08-2018 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: A company claiming to be XXXX XXXX XXXX, contacted me. Very threatening when I called them back. This debt has been charged off.please see transcript of voicemail they left below ______ hi this is XXXX XXXX calling with the XXXX XXXX some of the vision inspector ______ trying to get in contact ___ _______ _____ XXXX XXXX XXXX proximity to XX/XX/XXXX XXXX years of age __ it's _______ calling to inform you that we received a ____ of action or today from the county clerk liaison 's office concerning a repeat of my compliance on the _____ as well as to from complaints being filed to get your name XXXX security number ending in XXXX at this time due to the XXXX XXXX not __________ they are asking that _____ documents __ be served ________ to your residence or placement appointment to have you sign for court appearance I just wanted to verify some information with you about ___ record before coming out but unfortunately I'm available um we will be making our way out shortly to a XXXX XXXX XXXX if you're not available we will have no choice but to try __ XXXX XXXX XXXX XXXX XXXX __ a place of employment if you're at your place appointment you possibly need _ witness from her supervisor or somebody from HR department in order to sign for your legal documents um if you have any questions or concerns you may contact ______ __ __________ at XXXX again that's XXXX when calling please refer to case number US as _ like United States XXXX XXXX XXXX XXXX call has been recorded document __ the show proof that ___ find a little _____ __ ___ leave _ notify today 's date XX/XX/XXXX XXXX you _____ XXXX XXXX XXXX _____ the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (I do not know) with CITIBANK, N.A. (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They keep calling looking for my mother, This is my home my phone #, I told them take my number off your call list and never call me again. The first person just hung up on me, They called again I talked to a supervisor told her the same, Do not call, wrong person, wrong number, she asked if I was a lawyer, made a " scuff '' sound in the phone and hung up. Got called again, and spoke with a XXXX XXXX, asked her if any notes on the account mention not to call. She just hung up on me.

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 12/15/2017 about Debt collection (Other debt) with I.C. System, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: IC System Inc is reporting a collection account for XXXX. They show on the credit report that the account opened in XXXX of XXXX. This is inaccurate and misleading. Any account I had with XXXX would have to have been years and years ago not 2 months ago. IC System Inc is re-aging the account which is a violation of FCRA Section 605 ( c ).

IC System never attempted to validate this debt before reporting it. I disagree that I owe anything. They have never made any contact with me and I have lived at same address for 8 years. This is a violation of Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )

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 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: In an attempt to place a protected consumer freeze on a minors account, my son, I sent required documents to Transunion on XXXX XXXX, XXXX. Received a letter stating they had received all required documents, not including {$5.00} fee. I sent a check with all those documents. Attempted, 3 phone calls on Monday, XXXX XXXX, XXXX, none of the documents can be located. This is such sensitive information and should be a way to contact the United States Office of Transunion. I kept getting disconnected every time they transferred me. Three numbers I called were, XXXX, XXXX and XXXX to no avail. Now with my sons information and mine floating somewhere at TRansunion ( or not, since no-one can locate it ) it is a security risk. Such poor handling of sensitive information.

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 04/22/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MO).
Issue: Application, originator, mortgage broker

Complaint: I submitted a loan application to Carrington Mortgage Services LLC XX/XX/XXXX. The loan officer was XXXX XXXX. Originally, he was very helpful even though I have fair credit score, and began the loan process stating that he had a XXXX % loan approval rating. After about a month of me asking him questions, because I have never had a loan before and do n't know how things work, he stopped answering my emails. Prior to this time, he had asked questions about XXXX my partners XXXX and XXXX. Finally, XX/XX/XXXX, he called my partner and stated that he did not like the " tone '' of our emails to him and stated that he was our only hope for a loan and that he was considering not helping us. This came from out of the blue. Following this phone call, he has not taken any of our repeated telephone calls or answered the numerous emails which we sent to him. We asked him specifically if he had a problem with the fact that We are a XXXX couple or the XXXX that my partner suffers, XXXX XXXX declined to answer. It is now XX/XX/XXXX and we have heard nothing from Carrington Mortgage or XXXX XXXX in regards to our loan application. It is our belief that XXXX XXXX has stopped working on getting us a loan because of our sexuality and my partners XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Checking or savings account (Other banking product or service) with DISCOVER BANK (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: M y Mother and Father p assed away in early  XXXX . My mother had an IRA with Discover Bank worth  XXXX  ; in which I was a 33.33 % beneficiary. Discover Bank instructed me to send a letter of instruction and both death certificates. All pages were faxed to the IRA dept. on  X/XX/17   . I called for confirmation, and they did receive everything, on  X/XX/17   . Discover Bank informed me that it would take  7- 10  business day to process. On  X/XX/17   , I inquired to the status,  XXXX , from the beneficiary care team, said it would be anot her 3-5 d ays. On  X/XX/17   , I uploaded another letter of instruction to Discover Bank through my secure documents section, concerning this matter. As of this date and time, it has been 27 days and no correspondence or activity has begun. This is unacceptable time for Discover Bank to handle a beneficiary request with the proper paper work sent. I understand that a beneficiary has no right to any account transactions, while the account holder is still alive ; but when you have a POD account set up ; and the account holder dies, then the beneficiary does have a right to their money.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with WLCC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for the loan and was approved for XXXX up until it was time for me to sign the e consent form, I refused to sign because the the interest was 777.03 percent and the payoff was XXXX for a XXXX dollar loan this is an outragous company and should be put out of business when people are in need of help they should n't be able to take advantage of the poor I would never accept something like 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 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.

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 09-10-2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AR).
Issue: Account opening, closing, or management

Complaint: On XXXX of 2016 my girlfriend accepted a job. Little to our knowledge it was a job scam. The job provided contracts, websites, accreditation, and business registration number. She was told her job was an XXXX. She was told a client was sending money to our account. She was told to open a XXXX XXXX XXXX account. She was told after thirty days they would put her on the company account but until then she had to use her own. The client wired XXXX into our account. The bank approved it and allowed her to move the money. Domestic wire transfers are reviewed and posted the same day. It took a week for them to decide to reject the wire transfer. They froze the account with NO NOTICE. They would n't tell me anything but that my account was under review and to call in three business days. I could n't access my money. I am in the XXXX in three months. I was treated awful by the bank they did n't work with me at all. They accused me of fraud. They should have froze the account the day the wire transfer went in and investigated it then. They should have flagged it. My girlfriend was scammed and we have to pay for it? What kind of protection is that? The fraud department at USAA does n't even have contact information. They said we could n't talk to anyone about the investigation. It was n't until the bank froze the account we found out the job was a scam. We wish we would have known the day the transfer happened. This job spent three weeks convincing and " training '' my girlfriend. She had no idea it was a scam and she even XXXX and asked for verifications. The bank let us down by not protecting us. We make average money the bank has never seen huge amounts hit out account they should have called and asked about it. They should have investigated it. Within a week of freezing the account all they said was the name was spelled wrong. They were accusing US of first party fraud? And they were exercising their right to do business with us ... not to mention informing us the bank took a " hit '' by approving the funds they did n't review so we had to pay it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been a customer of BEST BUY for years. They issue a credit card from CITI BANK. On or about of XX/XX/XXXX. of last year I had an unsatisfactory experience with BEST BUY and refused to pay the credit card. I was unable to reach BEST BUY. I began receiving ROBOCALLS from CITI BANK these were a not a very clever violation of the law. They would call and let the phone ring once and hang up. The idea was that I would then call them. I spoke to them twice trying to convey my complaint. The only interest they had was when was going to pay. The calls occurred once a day for 30days, then began happening twice a day. I sent several letters to both of them with no response. 
XXXX XXXX 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 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I used a XXXX XXXX XXXX credit card at a Chase Bank ATM. The Chase ATM did not dispense the cash. I called Chase, whom I have a checking account with at the same branch that has the ATM that did not give me my cash - yet still charged the {$500.00} to the XXXX XXXX XXXX card. 

Chase told me they were not at fault ( after being very rude ) and told me it was XXXX XXXX XXXX who was at fault. XXXX XXXX actually had nothing to do with it. It was the company " XXXX XXXX '' who services XXXX XXXX 's prepaid cards who handled the claim ( XXXX XXXX is the ONLY company who actually helped me in the situation here - so the previous claim filed should be disregarded ). Both XXXX XXXX and Chase told me the other was at fault and neither would fix - mind you this was a {$500.00} withdrawal of cash that I was charged for and never received. XXXX XXXX said it would take them over 2 weeks to investigate my claim. Two Weeks? So I asked to see the documentation on my claim since they were acting on my behalf - they refused. I called Chase and again, they refused to do anything. 

XXXX XXXX finally calls me because they get my complaint, and they help me out - and call Chase and finally get the story. Chase knows that their ATM malfunctioned and yet they still have not refunded my money. They KNOW it malfunctioned but they are still keeping my money. This is theft!!! 

I called a district manager for Chase bank - no response. Nothing. 

The location is the XXXX XXXX XXXX XXXX, XXXX WA XXXX p. XXXX I am so happy with the service from XXXX XXXX XXXX when I thought they were at fault they were actually the only one who offered to help me. I am flabbergasted and quite frankly questioning if what both XXXX XXXX and Chase Bank have done is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have tried contacting them 3 times in one day to discuss a payment plan that is affordable to me and I was put through to 4 different people the first time then, as I was supposed to be transferred to someone else, I was transferred to take a survey then hung up on. The second time I was transferred to a second person who hung up on me. The third time I called I had the most help, not sure who I spoke with, but they were still not able to get me the answers I needed. The guy I spoke with just told me to call back in one week. He gave me a reason but it did n't make sense to me. I 'm just looking for someone to help me lower my payments to something I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Confusing or missing disclosures

Complaint: I sold a saddle on ebay which was received by the consumer  X/XX/2017   . The funds were received by  XXXX  approximately on  X/XX/2017   . The amount was  XXXX . It appears some fee has been reduced from the funds as now it has been reduced to  XXXX . The funds re on hold even though the buyer gave the highest remarks and has the product. Further, the shipping was  XXXX  higher then quoted. They stated I could spend the money on  XXXX  immediately but I would have to wait up to 21 days for funds unless I have  XXXX  or more transactions.

Company response to consumer: Closed with non-monetary relief