milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TN).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I am a XXXX XXXX XXXX veteran living on a fixed income. In XXXX of this year I was notified that I am very sick, the process of finding out was was actually going on has become overwhelming, thus I consulted a Chapter XXXX Bankruptcy Attorney thinking that the only choice I had was to file a Chapter XXXX. During my consult the attorney asked me if this was really what I wanted to do and I said of course not but what other choices do I have. The attorney gave me another option DMP this would reduce the interest and also the monthly payments due. I wanted to pay everyone who I owed so I did the DMP plan it was only long enough for the to contact all 20 of my creditors and notify them of both my hardship and get a reduced rate of interest and a lower payment the DMP was paid to negotiate and actually made payments for 1 month. The DMP plan ended and all 20 accounts were in agreement that they would still honor my lower interest rate and monthly payments so long as they continued to received the agreed upon payment. Again they would prefer to get their money rather than get nothing at all and my medical hardship still existed, the credit cards were all cancelled under this agreement and I am OK with that. All of the 20 kept their promise to honor my hardship except for one that was Barclaycard who I have more than once submitted complaints to you on, seems they feel that they are separated from the other 19 accounts I have. Long story short as attached history sheets will show they agreed to the reduced interest and payment on X/XX/17 and they then jumped on an opportunity to switch it back from the agreed upon interest rate of 5.90 % and XXXX payment back to the old rate of 23.99 % and they increased the payment to XXXX this is just not right in any way My medical condition has not changed nor have the incoming bills and being on a fixed income I have no room after making agreements with my other 19 accounts to differ in any way. Should Barclaycard not have to honor their agreement for the reduced interest rate and payment. I have done as I promised and paid as agreed and they did cancel the card that 's fine I do n't want it anyway but I do want what they promised me otherwise no matter what the outcome I did not file a Chapter XXXX it apparently is about the money which I have no problem applying what would have been their payment to other 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 explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am XXXX and looking to get my student loan forgiven and I want to repair my credit. NelNet is no help in accommodating my request. I have faxed over the necessary paper work. Everytime I call they always have a wrong address for me from 7 years ago. Thats 7 years of interest thats accumulated. They said they will send a response to the previous address with their decision even though I updated my address in the NelNet website. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Debt collection (I do not know) with The CBE Group, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company Cbe Group keeps harrasing me by phone constantly day and night. I have told then numerous times to stop calling but they continue to do it please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I requested unauthorized inquiries to be removed from my equivalent credit file. I have never given permission for these inquiries to be made. I expressed this to equifax via certified mail and the response given to me is that these were facts.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I received a letter stated I enrolled in Credit Protection, which I did not, and that there would be a monthly fee. The letter did not offer a telephone number I could call. The letter said I had to go online and submit a refund inquiry. I had my daughter help me because I am not familiar with online services. I wanted to speak to someone, or leave a comment, to make sure I am not enrolled in the Credit Protection, but that was not an option. All I could do was submit the refund inquiry. This is very concerning! I refuse to pay for something I did not sign up for.

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 Vehicle loan or lease (Loan) with DriveTime (NV).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I received a car loan from Drive Time on XXXX/XXXX/XXXX. During the life of my loan I fell during some hardship hence losing my job and unable to keep up with bills. My issue with drive is this, They would call my phone three times a day and leave messages when I would not answer. I my self XXXX XXXX XXXX XXXX XXXX XXXX XXXX know that after you make contact and leave a voice mail they can not call again and they can not call three times a day. Two in XXXX of XXXX I just started my job with my current job and would not get paid for two weeks. I spoke to customer service rep whom stated that they would prevent my car from being reposed if I made a payment on XXXX/XXXX/XXXX. Then not even three days later they took the car. I then filed a complaint with BBB I was advised that they would settle the account but had to be in one lump sum they offered two weeks to pay a XXXX settlement. They advised i would receive a settlement offer which I never did. I am now seeking counsel to file a harassment law suit with the company and providing me the consumer with false and misleading information about assisting me with payment plan during my hardship and refusing me a hardship hence i was behind one payment after being on time for more than 7 months.

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 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Associated Credit Services, Inc. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I went to take out an auto loan and found a mark on my credit report that surprised me since I 'm still a customer. Associate Credit 's customer XXXX gave them a wrong address to contact me with a past due bill. I have been a customer of XXXX since 2006. XXXX uses social security numbers to identify customers to accounts. Associate Credit did not attempt to collect information from their customer after not being able to reach me by phone or mail and simply just reported me to XXXX XXXX. If they had made contact with their customer, they could have found the error themselves or could have obtained my current address. This has caused damage to my credit. I was unable to obtain an auto loan due to this error. If I had been contacted with this bill of {$130.00}, I would have paid it immediately. I 'm also filing a complaint against XXXX for not combining the XXXX bills, since I 'm still a customer with them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Debt collection (I do not know) with Affiliated Creditors, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: I paid the XXXX XXXX and XXXX XXXX XXXX for loan audits which prove mortgage fraud against Wells Fargo/ XXXX XXXX mortgage backed securities. I filed chapter XXXX with XXXX XXXX. Now judge XXXX XXXX lifted the stay at the request of his house theft pals at XXXX law. I requested they produce a promissory note. He said its too late. They have separated the mortgage from the note and cant forclose. So the Vice President of Wells Fargo forged documents swearing that they miraculously found the missing promissory note. Kickback XXXX XXXX didnt question it. I want my portion of the XXXX XXXX XXXX XXXX settlement fund asap! Wells Fargo loan XXXX. I was the plaintiff in federal court in XXXX against them but was ill and wrote to reinstate the case for which I was denied! I sued for mortgage fraud! After three payments toward modification they foreclosed so I filed ch XXXX. Anyway XXXX law XXXX XXXX XXXX XXXX has tried seven times already and seem impossible to stop from stealing my home. Im due a large settlement. Thanks again. 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 07-10-2016 about Prepaid card (Gift or merchant card) with U.S. BANCORP (CA).
Issue: Fraud or scam

Complaint: I bought XXXX gift cards from XXXX and I loaded each card with {$500.00}. When I tried to use all the cards, my transaction was declined. so I checked recent activity. I found all the purchase made on the XXXX cards WERE NOT authorized by me. Further more I was out of country, and in XXXX from XX/XX/2016-XX/XX/2016 so any purchases on the gift card were not done by me.I called gift card issuer on XX/XX/2016. the operator told me the claim I filed with them on XX/XX/2016 WAS NOT TRACEABLE! I am very worried and there are a lot of victims like me reporting fraud online. 

This is not duplicate claim. This is my first time file complaint.I sent card issuer, US bank claim on XX/XX/2016. but they told me they could not find my case on XX/XX/2016!

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 01/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Credit Services Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I visited XXXX in XXXX, NJ in 2015. I paid for one month and was never told that they would be continuing to bill my credit card on a monthly basis. When I finally realized it I contacted XXXX and was told that I was signed up for automatic payments and that I could not cancel unless I went in person to the facility. I immediately contacted my credit card company to dispute these charges. The credit card company has given me provisional credit and is working on the dispute. They also closed my card and issued me a new one. However, XXXX has subsequently referred these charges to a debt collector - First Credit Services , Inc. XXXX apparently signs people up for automatic payments whether they are aware of it or not and then refuses to cancel those payments upon request. These are shoddy, shameful business practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Settlement process and costs

Complaint: Our mortgage is with Ditech Financial. Our house recently flooded and my mortgage company will not release the insurance money for us to make repairs. Per their requests, we have sent a substitute XXXX for tax purposes, an estimate of repairs along with the adjuster 's estimate and an inspection form. Every time I call to see where the money is, I am told they need more information and then told to wait another 2-4 weeks for processing. I asked for a phone number to file a complaint and was told that they do not have a complaint number. I was told I could leave a message on the supervisor 's voicemail if I wanted to make a complaint. This has been going on for 3 months and they have yet to release any funds. I would like to file a complaint, and would like to have 50 % of the funds released to make the necessary repairs to my house. I would like for Ditech to be held accountable for their actions. Every time I call, I have to speak to another person and they tell me the person before gave me misinformation. I see no resolution in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent dispute letters to Transunion on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX certified mail. I have not heard from them. I have not received any of the documents I have requested to verify the information that is on my credit report. There are a number of inaccuracies that are on there. The same dispute letter was sent to XXXX  and all accounts that were disputed were 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 non-monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This is in regards to complaint file XXXX for Experian, I have asked for inquiries to be removed from my credit report that I have not authorized. The law states that the credit bureas have to show proof that these are in fact my inquries that I have inquired about. So I am asking CFPB to help me with getting proof that I have gave authorization to have these inquries just like I have asked Experian and Still have not gotten any proof.

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
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: Company 's never fixed the report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MN).
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 have fully paid this account and there seem to be fees that were charged although the account had XXXX balance. Also, there is inaccurate late payment reporting on my credit report for this account. XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I  reported fraudulent charges on this account and have been attempting to contact US BANK to no avail and been transferred to different departments. 


US BANK {$6.00} Account Details Last Reported XX/XX/XXXX Creditor Name US BANK Account Type Flexible Spending Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1200.00} Term -- Monthly Payment {$4.00} Responsibility Individual Balance {$6.00} Highest Balance {$4100.00} Payment Status Current Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 2/2/0 Remarks Canceled by credit grantor Payment History Latest Status : Current XX/XX/XXXX OK OK OK OK OK 30 60 30 OK XX/XX/XXXX OK OK OK OK OK OK OK OK OK 60 OK OK XX/XX/XXXX OK J F M A M J J A S O N D 30 30-59 Days Late 60 60-89 Days Late Credit Utilization*0.50 %  Creditor Contact Details US BANK XXXX XXXX XXXX XXXX XXXX, MO 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 01-06-2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: This is a XXXX loan of {$1500.00} on a Wells Fargo Credit Card that also can be used for other medical purposes. The XXXX said my loan would be {$1000.00} about {$35.00} a month. XX/XX/2016 I paid {$40.00} and was charged {$16.00} in interest. I did n't ask for this credit card and the interest they are charging me. When I was having the XXXX I kept asking how much this work was going to cost me, the XXXX and/or staff kept telling me not to worry. Even when I was finished I still was not given a dollar amount. This pretty much covers the problem.

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 06-09-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: This is a follow up to a previous complaint against Ally Bank. I had taken out a car loan on a XXXX Cadillac Escalade through GMAC, at some pint to loan was assumed by Ally Bank. The loan was paid in full and I received clear title from GMAC. Ally claimed that I still owed them over {$4000.00} and made negative reports to the credit bureaus. After my last complaint, they sent me a letter stating they would remove all negative reports ( see attached letter ). They also generated a XXXX stating I need to claim the " write-off '' on my XXXX taxes. I do not. They are still showing on my credit as " derogatory ''.

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 06-12-2015 about Debt collection (Auto) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Bank Of America withdrew funds from my account without my knowledge or authorization. They claimed I owed XXXX on a reposessed RV, I disputed the debt XX/XX/XXXX. Bank of America did not provide written verification of the debt. Instead Bank of America made an unauthorized withdrawal of XXXX on XX/XX/2015. I am enclosing documents to show the dispute, unauthorized withdrawal and letter from my attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for the Experian to respond with validated proof to delete this account per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX- Account # : XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX : XXXX DOB :XX/XX/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