milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX called my place of employment twice. First was on Friday XX/XX/XXXX and the second was on Monday XX/XX/XXXX. The third time they called me on my cell phone on Monday XX/XX/XXXX Both times there was an automated recording that was left on my work voicemail stating " This massage is intended for XXXX, Im contacting you from the XXXX, I received an order for you, It looks like two charges pending. Now, unfortunately because I am unable to reach by phone, I will be actively pursuing you at your place of employment and your resident. You have the right to contact the client to resolve this matter voluntarily. Understand, when you are located, you forfeit that right. Your case number is XXXX. You can reach the office at COB XXXX. '' They called me again today at work and I finally decided to speak to the person in regards to this matter and why they kept calling my work number. 

The gentleman was completely rude and kept interrupting me every time I spoke. More like, trying to intimidate me. He then asked if I have been served with any type of documents and this debt is from US Bank. 
I tried to tell him that I havent been with US Bank for several years ( XX/XX/XXXX or XX/XX/XXXX ). As I was trying to speak he interrupted me again saying that I was going to served and sued and they will be contacting my employer in regards to this matter if I dont pay them. He continued his threats of suing me and also said that I would be charged with fraud and I 've committed a crime. I could n't take the threats any longer so I hung up the phone.

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 11-11-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Late fee

Complaint: Citibank 's Credit Card division is charging me a late fee. I sincerely apologized for any inconveniences caused on my end. My card was not valid since the end of XXXX so I did not know there was any balance being carried on my card. I was sent an email by the Citicards, saying a small balance was due, and immediately went to pay the full balance owed on the account when I saw this but was charged fees on top of this balance. I made the payment through my checking account with Citibank. I do not seem to be the type of consumer that the Citibank Credit Card division would credit charges of {$25.00} to automatically. I made such a request through the bank 's online messages. I have been a good cardholder for the company since 2010 and would appreciate continuing the relationship in good faith. I would be open to taking any action which Citibank would be agreeable to to be credited the late fee including closing some of my accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2015 about Mortgage (FHA mortgage) with BOK FINANCIAL CORP (KS).
Issue: Settlement process and costs

Complaint: The appraiser that the bank send to the house I bought was wrong on the value of the house. He did not follow the FHA standars. On his report the appraiser ommits a lot 's of damage on the fundation, on the Roof and in some other areas. 
When I first apply for the loan the mortgage people told me that the FHA loan requires a very strict inspection wich never happens. Also I recived the keys for the house until the 3rd day and Its when I found out all the problems on the house. 
According to FHA ... ..HUD the house must be in perfect conditions. 
This house has the following problems : Mold on attic and crawl space and air ductsWater Filtration in XXXX RoomFundation Cracks and Mold in some areasProblems with the RoofElectrical Problems. 
No apropiate ventilation nether on the attic and crawl spaceCracks on the front fundation of house. This is A LOTPlease help me.!!!!!

Company response to consumer: Closed
Consumer complaint received 01-10-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My balances keep increasing and I am on a IBR. I have yet to obtain employment in the field of study, and it is impossible for me to pay back those loans. They continue to raise my balance and it has affected my credit score severely! I am preparing to apply for another IBR, and I do not want my balances to continue increasing. I just can not afford it, I do n't know what to do. I can not afford to pay these loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: I APPLIED FOR LOAN WITH A LOAN COMPANY THAT SEEM TO BE LEGITIMATE ... THEY SENT ME A LOAN APPLICATION WITH A ADDRESS AND TELEPHONE NO LOCATED IN CALIFORNIA ... I THROUGHT IT WAS LEGIT ... I CALLED THE BANK TO SPEAK WITH THEM ABOUT THE ACCOUNT AND THE CHECK ... .THEY ASSURED ME OVER THE PHONE THAT CHECK WAS LEGIT AND I DIDNT NEED TO WORRY.I DID GIVE MY PERSONAL BANKING INFO OVER THE PHONE TO THE LOAN COMPANY.I THROUGHT THEY WERE LEGIT AND EVERYTHING.I WASNT TRYING TO COMMIT FRAUD.I WAS TRYING TO SIMILY GET A LOAN FOR MY XXXX.I WASNT TRYING TO COMMIT FRAUD ... I THROUGHT THE LOAN COMPANY WAS LEGIT.MY ACCOUNT WAS CHARGED OFF AND I WAS KICKED UNDER THE BUS.NO ONE AT WELLS FARGO WILL HELP ME OUT.I HAVE ENCLOSED A COPY OF THE LOAN APPLICATION.I TALKED TO A XXXX EMPLOYEE ID # XXXX ... ..SHE WAS VERY NASTY AND RUDE TO ME.I NEED MY ACCOUNTS OPEN BACK UP.ALL I WAS TRYING TO DO WAS GET A LOAN FOR THE XXXX I HAVE.IDIDNT KNOW IF THE COMPANY AND THE PERSON WAS A FRAUD.IT WAS AN HONEST MISTAKE.I DONT WANT TO REPORTED TO XXXX.I DONT COMMIT CRIMES.I DONT DO STUFF LIKE THIS.I THROUGHT XXXX XXXX WAS A REAL LOAN OFFICER NOT A FAKE.I WANT TO REOPEN MY ACCOUNTS

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 01-04-2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A Tax lien that has been paid and satisfied had not been removed from my report it is Equifax is XXXX months delinquent ... I was sent an email stating this would be purged XX/XX/XXXX the email is dated XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with Quality Recovery Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Rent was {$XXXX} XXXX XXXX was there XXXX, XXXX, XXXX, XXXX, evicted.. Paid garnishment of $ 8,000+.  Now wants another {$XXXX}. Mean and abusive ; thieves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently pulled my credit report from Experian and XXXX, and to amazement, I still see this company name XXXX XXXX reported as a charge off. I have disputed this account with XXXX and Experian. However, it comes back " verified '' I am very curious as to what kinds of " records '' this company has on this account. I have sent request for validation/verification of this alleged account. No response have been received from this company for over a year. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( MO ) XXXX XXXX XXXX I may presume that no proof of the alleged debt can be validated. Also, under the Fair Credit reporting Act, this disputed account my not appear on my credit report if it can not be supported by any evidence. If this matter does not get resolve amicably, I will file charges against this company for violation of my federal rights. I have been dealing with this issue since 2014..

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX t
hat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Also consumers were not informed in a timely matter as the company kept news of this breach secret for weeks! Further putting the consumer at risk while trying to save their own hide. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (I do not know) with WELLS FARGO & COMPANY (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Repeated call for a debt that is not mine. I have never had a Wells Fargo account of any kind. Calls continue, mostly hang up calls.

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 10/31/2017 about Debt collection (I do not know) with Source Receivables Management LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: A company called Source Receivables is not providing me with the supporting documentation I am requesting to back up their claim. On XXXX XXXX, XXXX, I received response letters from their company but they did not provide sufficient legal validation of the debt they are referencing. They are reporting that I have an unpaid debt with them of {$840.00} but I have never done business with them and I have yet to receive any paperwork showing that I signed, and agreed to pay their company directly. The account number on my credit is : " XXXX ''. I sent the attached response to them on XXXX XXXX, XXXX via certified mail which I also have the receipts for and will be attaching as evidence. To this date, I have not received a proper response to my claim. This is not the only issue I am facing. This is the second company to pursue me for this same exact debt in less than a year 's time. There is another company called " XXXX XXXX '' who is also claiming to collect on behalf of the same creditor for this same exact amount, {$840.00}. I am attaching a screenshot from a recent report which shows the name of this second collection company who is also trying to pursue me for this debt. Their account number is # XXXX. HOW can there be two collection companies trying to collect for the same debt on my credit? How can this be possible? I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this companies like this. Source Receivables has a 100 % negative review rating and several consumer complaints listed on the Better Business Bureau 's website. The other collection company has even worse reviews. In addition, the Better Business Bureau website lists Source Receivables as a company based in XXXX, North Carolina. I have never lived in North Carolina in my life. I will not give my money to any company I do not recognize and can not provide me with paperwork showing that I signed and agreed to pay them directly. I also do not feel comfortable having two collection companies who have my address and other possible personal information out there that I have not authorized them to have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: Applied for XXXX XXXX with XXXX Rewards to be used specifically to purchase XXXX Watch costing {$740.00}. Subsequently to the online application submitted to XXXX, I received a form letter, undated, not signed, without anyone 's name appearing thereon and without a designated phone number, such letter demanded sensitive identification documents be sent to a PO Box , XXXX, DE within 30 days or the credit card application would be cancelled. The identification documents they demanded were a copy of my Driver 's License/State ID, Social Security Card and a current original utility bill or bank statement with visible name and address. No explanation was given for why these documents were being required in order for the subject credit card application to go forward. 

Called XXXX 's General Inquiries telephone number to address my concerns about the contents of the form letter and why it was sent to me in the first place. My call was transferred to three different people and, finally, ended at the desk of a Security Dept. XXXX, who after listening to my concerns about potential identify theft and why this sensitive info was being requested in the first place informed me that such a requirement was consistent with their policies in some instances. I specifically asked what may have triggered this event and she refused to answer. I informed her that XXXX months back I had received a XXXX 's XXXX with a {$9500.00} credit limit without any difficulties and without any compromising hard copy identification documents being required. She hesitated while she accessed my existing credit card account that showed no outstanding balance, the card having never been used, came back to inform me that that existing credit card was now being put on hold and could not be used until they received the aforementioned identification documents. 

I ended the call my informing her that I had no intention of sending such sensitive personal ID documents to a PO Box or to a financial institution that refused to provide reasonable assurance that my identity would be secure as well as an explanation as to why such drastic steps were deemed necessary in the first place.

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 01/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After several low quotes for car financing, I decided to research my credit ( freeannualcreditreport.com or something like that ) and saw that my information has been merged with that of my father. He is XXXX XXXX XXXX, I am XXXX XXXX XXXX, same current address but obviously different date of birth and SS #. On the website I was able to see this and dispute it with XXXX reporter ( XXXX ) and not the other XXXX ( Transunion and XXXX ) due to failing the initial security questions which all used my father 's banking history. At present I have recieved some confirmation from Experian that negative information has been removed and have yet to make positive contact with Transunion & XXXX. Do I have to do this with every info provider? Will it update the other XXXX once I have done it on XXXX? Young married couple in desperate need of financing. Thank You.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Struggling to pay mortgage

Complaint: A complete short sale packet including an offer was submitted XXXX days ago and there is still no update. I have left several message for the point of contact and I am not getting any calls back

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Medical debt) with J&L Collection Services (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XXXX XXXX, 2017, caller " XXXX '' from J & L Teamworks of XXXX California ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) called my father and informed them that I had a medical debt. I believe this violated section 808 ( b ). In addition, they did not notify me first of any debts associated with my account. They did not call me first. 

I believe the remlevent provision is : ( b ) Communication with third parties Except as provided in section 1692b of  this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My account is on Autopay, and they choose the payment date - I can not change it. Then they charge a late fee when they withdraw it after the due date. It is absurd- they choose the date, manage the withdrawal, and then charge me a late fee- many many times. They have ignored my complaints except to say I can not change the withdrawal date! This is obviouly intentionally deceptive and I have seen other complaints on the same issue with no effort on the part of Navient to resolve or credit me for the late fees. I do n't have any power and yet I am paying my loan honestly every month.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have requested to provide proof of the debt, copy of statements, State the amount of the debt when you obtained it, and when that was, etc ... They were not able to provide any proofs and continue to report the debt to the collection agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NV).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX we completed a modification with Wells Fargo Bank, we were so excited about the modification that we did n't read the entire forms that were sent out for us to sign. In XX/XX/XXXX due to my wife illness we fell behind not quite XXXX months with our mortgage, we were trying to catch up always a month behind. We decided to try to get help by doing a debt consolidation loan to bring us us to date it would also help us to secure a refinance in the next 12 months. We found a company that would do the loan for us just as we were to sign the document a Title search was done and we found out that HUD had placed a partial claim on the home making it virtually impossible to secure a loan. The claim shows up as a lien on the home. Finding this out was a shock to us, we were never informed verbally that a lien would be placed on the home by HUD. This has create a hardship for us because no one will touch our home due to this XXXX lien. We are falling farther behind on our mortgage and other bills we want to save our home, as we have the income to maintain our home once we get someone to help us to get ahead. We sincerely hope you can help. 

Regards,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Applied XX/XX/XXXX.
Opened XX/XX/XXXX.
Got all paperwork XX/XX/XXXX. {$500.00} ACH from XXXX posted to WFC X/X/17 no bonus triggered. {$1.00} x XXXX XXXX reload ( X/X/17 ) posted X/XX/17 no bonus triggered. No bonus as of writing ( X/XX/17 ). {$960.00} ACH from XXXX posted to WF X/X/17 no bonus triggered. Secured Message from Wells Fargo X/XX/17 : WFC told me The {$250.00} credit will post after XX/XX/2017. No bonus as of complaint ( X/XX/17 )

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 08/18/2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Settlement process and costs

Complaint: I applied for a {$0.00} down payment VA loan through USAA and after being told I was pre-qualified and subsequently approved I was then asked to provide a down payment of approximately {$9200.00}. It was only 2 weeks before closing and after my appraisal and inspection had been paid for and after I informed my landlord I was moving out. I was told I had a loan and then all of a sudden I was unfairly being required to come up with this large amount of money in just a matter of days or I would have ended up homeless. This was very unfair and deceptive and I also never received a clear explanation about why this down payment was being required on a no down payment VA loan product nor was I ever given any additional disclosures. Further detailed information is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation