milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2016 about Credit card () with BARCLAYS BANK DELAWARE (OH).
Issue: Closing/Cancelling account

Complaint: Over a year ago, I signed up for, paid the annual fee for, and canceled, an XXXX XXXX credit card through Barclays bank. When I canceled it, it had a balance of XXXX, and was assured that by the representative at Barclays when I called to cancel. Then recently, I get an email from Barclays about an XXXX XXXX Red MasterCard that had a balance of about {$210.00}. I never signed up for this card. 

At first I thought that I automatically enrolled in the card because of my previous XXXX XXXX card. But even if that is true, I never activated ( or was sent ) the Red card. And besides, I had canceled and closed that account. This account should never have been active. 

Anyway, I call Barclays last week about this supposed balance, and they told me that there was an annual fee that they charged that card in XXXX, and the other fees in the account where late charges for missing the annual fee payment. 

In other words, Barclays was charging a XXXX annual fee to an account that has been canceled and closed, then charging late fees on top of that. It is also concerning that this card opened up under my name automatically, and that I never had to activate the Red card, and that it opened up automatically in a canceled and closed account. 

I called Barclays and they said they XXXX the account, although, a week later, I am still getting emails that my account is past due, which is part of the reason for this complaint. The second, and main reason I am filing the complaint is because I am quite concerned about the damage this has done to my credit score. I would like Barclays to remedy my credit score for the improper negative balance and late fees.

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 08/25/2015 about Debt collection (I do not know) with Cooper Hoffman Klein Associates (UT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This company has called daily requesting that I pay a bill for a checkloan with a Paydayone company that is out of business, they told me they were coming to pick me up to go to jail, told me I would be served a summons, called me a filthy Debtor and XXXX, I have requested that they stop calling me and they continue they change their numbers and call when I asked for an address to send payment they said they only accept a prepaid debit card for payment no cashiers check or money order so I still was unable to get an address from them. they have no information on their company over the internet and no address.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: They only called during my working hours. Never left a voice mail message for me. 
They also never sent a letter to my home asking me to pay the debt owed. 
They admitted, on a recorded phone call, that they do n't leave voice mail messages and they do n't send letters. I found out about it through my XXXX account and I paid it immediately. It was {$180.00}. Had I known sooner it would have been taken care of then. They received my account in their office XX/XX/XXXX. I paid it XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alliant Capital Management LLC (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX Capital Management contacted me on XXXX. They threatened legal action ( XXXX XXXX ) and when I offered a settlement, once they send verification of debt, they told me I was insane. I asked them to stop communication with me, and that I would deal with XXXX, the supposed creditor. On XXXX XXXX, I received a letter from XXXX again demanding payment, this time stating that I had made payment arrangements with them, which i did not. When I called to tell them I had done no such thing, and neither they nor XXXX had provided debt verification, the person stated that he would end the conversation, and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Payday loan () with Risecredit, LLC (CA).
Issue: Payment to acct not credited

Complaint: I had a balance of {$100.00} and I refinanced my loan. I noticed on the receipt it was showing a negative balance of XXXX. I called thwn and asked why it was showing a negative balance and the rep said it was a glitch in their computer system. When I refinanced they gave me the new loan minus the existing balance of {$100.00}. I paid my loan off in full on XX/XX/2016. I recieved comformation my loan was paid off and then on XX/XX/2016 they said I owed XXXX due to a " returned payment '' on XX/XX/<YYYY> That was the day I refinanced, so the returned payment was From the glitch of the XXXX that was showing on their system. I spoke to my bank and they said there was never a returned payment and this company was definitely paid. In addition, my bank provided me with trace numbers for all previous transactions. I have called this company everyday since XX/XX/2016 and today in XX/XX/2016 it is still showing I owe this money with additional interest, of course. When I talk to the supervisor just gives a carefully scripted response that it is " under review '' despite the fact that I have provided them with all pertinent information. Im at a loss of what else to do bc it is impacting my credit because it is showing I have an outstanding balance of over {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to Equifax, they have allowed my personal credit reporting information to be obtained by an unauthorized third party as a result of insufficient security protocols/procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (I do not know) with GLA Collection Company, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: We have been banking with Wells Fargo and had a no monthly fee account. When checking on line my husband noticed that a monthly fee of {$18.00} appeared on our savings/checking account. We had no noticeof this change. My husband contacted Wells Fargo by phone. He was told that they had changed our account to one that now carried a monthly fee. My husband was told that the bank was not required to inform us of this change. Now it was necessary to have a mortgage with Wells Fargo to have no monthly fee. My husband told them that this was unacceptable, we wanted a refund of the fee. Initially they said this was not possible. My husband asked to speak to a supervisor. After some delay, my husband was told that they would refund half of the fee, {$9.00}. My husband told them this was unacceptable, that the entire fee needed to be refunded. The contact person on the phone said, and this is a quote, " what 's the problem? It 's just {$9.00}. " Once again my husband said this was unacceptable and that the entire fee needed to be refunded. After more delay the supervisor came on the phone and said that the entire fee would be refunded since " we were such good customers. '' How many people who may not be routinely checking their accounts have not noticed this change? Apparently Wells Fargo believes it can steal money from its customers, that they are not required to inform customers of changes to, their accounts, that customers should willing to absorb half the fee since it 's such a small amount. Needless to say we will be changing banks. How much money has Wells Fargo made with this deceptive and dishonest practice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2017 about Debt collection (Auto debt) with Bridgecrest Acceptance Corporation (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Complaint against - XXXX XXXX -- - A company called XXXX XXXX has been harassing me with constant calls. Bridgecrest is the debt collector for another company called XXXX, a car retailer. I never bought any property from XXXX, but the agency Bridgecrest keeps contacting me, even after I asked them to put my name on their Do-Not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a state tax lien from Georgia that was paid and withdrawn in 2008 but XXXX and Transunion WILL NOT remove it from my credit file and it is showing as a derogatory public information. I have sent them court evidence from Georgia stating that the lien was withdrawn. It has impacted my financial security and stability for the past 3 years and I am of limited means and this is very frustrating. I am asking XXXX and TransUnion to please remove this incorrect information from my credit file.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have my loans through Navient. They purchased XXXX and so they have my private loans as well as my federal loans they bought out. The interest rate is so high on my private loans that it will take forever to pay them back, even though I selected the 10 year repayment program. I went XXXX after graduating and so my interest rate shouldve been capped but I am pretty sure they were charging me a higher interest rate even when I was on XXXX XX/XX/XXXX. I was on reserve status for XX/XX/XXXX-XX/XX/XXXX until after I graduated from XXXX school. Once I left XXXX this summer I noticed my private loans shot back up to greater than 13 %. Just seems like robbery. I am in the process of getting them refinanced so that I can get them paid off and not be a slave for the rest of my life. I can get you any documents that you might need. I have never missed a payment but my payments are high and I am paying around {$1000.00} per month just in interest. so majority of my payments are taking off interest. I have never received any contact from them other than email. No one has ever offered to help or offer information on the best course of action for paying off the loan. The interest is so high that it to me is robbery. I have excellent credit and an excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: account PAID IN FULL. dispute d A MILLION TIM ES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX purchased this debt from XXXX and decided to temper with the original dates. I contacted XXXX to inquire about the date of delinquency in this account which was the first day after I missed a payment XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above and admitting to the last payment date ... XXXX XXXX XXXX provided fraudulent information to the credit agencies to default the loan at a later date so the status of limitations can be changed giving them a longer time to try to collect. Negative account information should not be reported after 7 years from the delinquency date which was XXXX XXXX 2009. Yet till this day XXXX XXXX XXXX is posting negative information and their customer service is unaware of federal regulations and ignore my submitted documents that I provided. XXXX XXXX XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with GOLDEN 1 CREDIT UNION, THE (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have been a member of Golden One Credit Union, I was looking for a good credit card so I talked to a local representative about their XXXX  card. I was told that it was a fixed APR at 10 % as long as I am a member. I recently received a letter telling me that they were changing to a flexible rate ... I did not want that new I want what was promised me when I applied for. The closed out my card ... I want my card at the rate promised when I applied ...

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 04/18/2016 about Debt collection (I do not know) with AllianceOne Recievables Management (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Alliance One has been repeated calling my home for the past few months looking to collect a debt for a person called XXXX XXXX XXXX. At first tried, I just selecting the option on the recorded message they leave that says I do n't know this person. That did not work. I then called them and informed them that I do not know that person and do not know how they can contact that person. I was informed they would remove me from that record. Yet just yesterday ( XXXX/XXXX/2016 @ XXXX ), I received yet another call from them. I called yet again this morning ( and recorded it ). I told them once again that I do n't know the person. They told me I would be removed from their calling lists. Though at this point I have very little faith they will actually remove me. 

This is causing my a lot of anxiety. I never know when they 're going to call as they have called from different phone numbers and they call at all times of the day, often waking me up on weekends. I do n't think this is acceptable business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a Tax Lien on my credit report that should n't be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (MO).
Issue: Loan modification,collection,foreclosure

Complaint: We are requesting short sale on an XXXX mortgage for a deceased veteran. The formal file was sent on XXXX/XXXX/2015 and additional information was requested and sent on XX/XX/XXXX. During followup on XXXX/XXXX/2015, calls to the customer service was transferred to multiple places and finally it was moved to and connected to the Single Point of Contact. The single point of contact then informed me that nothing was done on the file and there were no documents received on the field and nothing was done. We did receive email and fax confirmation that the document were received and but the servicer says there is nothing on file. Also informed that the process could take 3-6 months. That it deplorable for processing on and charged off, XXXX mortgage for a deceased borrower. Totally unacceptable. After three of submission there is not record for document receipt, the file is not open, and inadequate response form the servicerimprove the process of receiving documents from borrowers and confirm receipt. There seems to be no accountability on the servicer side. Only time delays and excuses.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017, I did not authorize said company to run my credit for a car, please send me verifiable documents if the company insists I did.

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 01-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX has reported to my credit reports a bill owed to them, but was never billed to me. They subsequently sold the loan to XXXX. Apparently, this loan was sold to them by XXXX, a XXXX. 
I was never notified of any of this. The original contract I signed was with XXXX a loan servicing company for XXXX. This is who I thought I was dealing with. XXXX 's name is on the loan product contract. 
I was never notified of a transfer of billing or any correspondence. I did not know anything about this product being on my account until XX/XX/XXXX when I wanted to refinance and saw a collection from XXXX. I followed up with them and found out the changed their name to XXXX I repeatedly asked for documentation. I finally received something from XXXX in XX/XX/XXXX. 
I agreed on a settlement with XXXX and they agreed to report to the credit agency that the bill had been paid in full with a zero balance owed. The represented that they would not put any derogatory statements on the account. Please see attachement. On my credit report they added that " account paid in full for less than full balance '' This is not what the letter written to me states or what the representative at XXXX agreed to. 
Since XXXX and XXXX are the same company with a different name or they sold without ever trying to correspond with me about payment. The XXXX information should be removed from my credit report all together and XXXX should honor what they told me about no derogatory statements. 

Remove XXXX XXXX XXXX XXXX XXXX from my credit report permanently Correct COMMENT by XXXX XXXX XXXX XXXX Furthermore, Transunion only sent information on Cenlar. The rest of the report was not sent, so I do not know what else is corrected or not. It has been well past XXXX days. 
Other disputes : Past 30 days XXXX XXXX XXXX exceeds XXXX Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
XXXX : - exceeds XXXX Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement. 
XXXX XXXX : -exceeds XXXX Years of being settled and paid. Remove negative comment " Paid for less than full balance. '' It was paid as agreed in the settlement XXXX. Of XXXX : Consumer does not dispute that I was never late-ACN : XXXX ... And 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 non-monetary relief
Consumer complaint received 01/29/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MI).
Issue: Trouble during payment process

Complaint: My home loan was sold to Loancare LLC in XX/XX/XXXX on XX/XX/XXXX the check for tax payment of my Summer XX/XX/XXXX taxes was sent to Loancare LLC from previous mortgager. XXXX has yet as of XX/XX/XXXX to pay my summer XX/XX/XXXXproperty taxes. The money is in the escrow account and has been since XX/XX/XXXX7. I have called to resolve this issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 1XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have talked to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. All to be told that the Tax Dept was  reviewing it. 3 1/2 months to review a simple transaction. Now my property Taxes are late and have penalties. There is no direct number for the tax department. I wonder why? I cant get a straight answer. I want my XX/XX/XXXXTaxes paid. I have loss the tax deduction for my home. I want a quick resolution.

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 01-08-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was paying my student loan through a third party for over a year. At some point last year, the third party stopped sending payments to the student loan. I was never alerted. I learned of the situation after checking my credit report. Payments were showing over 90 days late. I contacted XXXX XXXX XXXX XXXX for information. They only had the address and phone number of the third party company, that is why I was never alerted to the missing payments. My credit report now shows 90 days late for a payment. This derogatory post has really impacted my credit score. I am now current, and have asked that XXXX XXXX XXXX XXXX remove the one negative credit report entry from this situation.

Company response to consumer: Closed with explanation