milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Credit card protection / Debt protection

Complaint: Barclay sends me a promotion for a balance transfer, which I take. Immediately after approving my balance transfer, they snap a bogus charge of {$480.00} onto my account backdated three months. As this is on top of my 0 % APR balance transfer, Barclay is also guaranteed to earn massive amounts of interest on this charge. Because I can not pay off the charge unless I pay off the balance transfer ( that I had just paid the fee to take ) first. 

This is predatory banking at its finest. The charge that they billed on my account is apparently a " rebilling '' of a fraudulent charge that Barclay had earlier promised to delete for me. Now, as soon as I get a balance transfer, they rescind the deletion of the charge and add it back onto my account. They now tell me that I have to dispute the charge again, after I had already disputed and won. 

The charge that they 're trying to make me pay is a credit card charge that I never consented or agreed to make. The website billed me against my will. I never received the product or service that the charge is for. Barclay recognizes what is clearly a fraudulent charge for a product or service I never received, and uses it to their advantage to sucker punch me immediately after I take out a balance transfer. 

Be very wary when dealing with such a predatory lender. My using of the products and services of this bank has led me into much distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am an   XXXX   at  XXXX   XXXX   XXXX   XXXX  writing to complain about the debt collection conduct of  Navient  in regards to my client.   My client graduated from  XXXX  with a degree in   XXXX  . She worked steadily for about 10 years when she was laid off in  XXXX  o f 2016. Sin ce then, she has been unemployed and struggling to find a job. My client is now in the process of starting her own business as a  XXXX . To attend  XXXX , she took out private loans with  XXXX   XXXX , which she paid regularly over the course of the time she was employed. Abo ut six mo nths ago, she ran out of money and was forced to stop making payments on her loan if she wanted to have adequate resources to pay for rent and food. Her  XXXX   XXXX  loan, which was transferred to Navient, has a balance of {$3900.00} wit h a 10.5 % inte rest rate.   Since she stopped payments, Navient has been inundating my client with calls, as often as twice a week. In the calls,  Navient  always insists she makes a payment even though my client explains she has no money with which to make it. Callers have accused her of being unwilling to pay and refusing to pay, have asked her personal questions about how she is paying her other bills, and are threatening to sue her. She asked at the beginning of her hardship if she could use a forbearance, and they told her she did n't have any forbearance left. Recently, she got a phone call saying she actually had 12 months forbearance left, and if she pays them {$50.00}, they will count the  last six mon ths she hasnt been paying as forbearance, but then will force her to go back into repayment. This would waste her forbearance and have no effect, as her  credit score  has already dropped precipitously, from about  XXXX  to in the  XXXX  range, due to the consequences of her not having been granted forbearance originally. Since that call, they have continued with the harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: We acquired a mortgage on a double wide trailer and XXXX acres of land. I was deemed permanent property, but Bank of America still put a separate electronic lien on the double wide. The entire loan ( mortgage ) was paid off in XXXX of 2014. We have contacted Bank of America, XXXX Bank, Our local DMV, XXXX multiple times, have all the paperwork and Bank of AMerica still has not release the lien. According to XXXX they are the only ones that can release the electronic lien since they are the ones that established it. Also apparently we are not the only people they have done this do according to our local bankers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Hello. I live in an " XXXX '' rated XXXX area as designated by XXXX. Therefore I require Flood Insurance. My house has a replacement value of {$160000.00} and I owe less than {$130000.00} on the house. My mortgage with NationalStar Mortgage was satisfied with my policy of {$180000.00} as this was more than both the amount I owed the bank and also was more than my replacement value. Then more than two years into the loan I received a letter saying I was not in compliance. I called NS and shared the requirements as stated on their letter to prove that I was in compliance. The issue went away for about seven months. Then I received a letter in which they changed the requirements whereby I had to meet one of two criteria 1 ) match the amount of my homeowners policy or 2 ) carry {$250000.00} ( the max under XXXX rules ). I disagreed by way of numerous calls. NationStar then took out an expensive supplemental policy for me to bridge what they say is a gap. This has created a real hardship as it has pushed our monthly to a place where we are exhausting our savings. I want to know if this is legal or simply unethical. True that I can refinance with someone else, but not without expense and an expense that I should not be subjected to if not for the predatory ways of this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Diversified Consultants is a Debt Collector who buys debts. Allegedly, XXXX XXXX XXXX sold them an account with my name for old services I use to have through XXXX XXXX XXXX. The account, XXXX, was early terminated by myself for lack of services and breach of agreement with XXXX XXXX XXXX. So, I paid XXXX XXXX XXXX directly, a copy of that payment is included in this complaint. THis payment was not a settlement, was nothing short of paid in full for early termination of services, home security services to be exact. I disputed the first letter I received from Diversified because they had the account labeled as a " wireless '' account from XXXX XXXX XXXX. My " wireless '' account from XXXX XXXX XXXX is my cellphones, which are direct debited monthly from my company XXXX card. When I spoke to XXXX XXXX XXXX about my wireless account, the representative verified that my " wireless '' account has never been late and always paid on time by the auto debit to my credit card. Diversified NEVER responded to my dispute, simply moved forward with " verifying '' the debt and posting it to my credit report. XXXX XXXX XXXX claimed they never sold a debt to Diversified for my " wireless '' account. XXXX XXXX XXXX verified payment over the phone for the paid in full early termination fees on the home security services. Diversified, and possibly XXXX XXXX XXXX, violated my FCRA and FDCPA rights and their laws in XXXX ways. First, there was no true or verifiable PROOF of Diversified Consultants " Verification of debt '' as requested by myself. After that violation, they moved forward with reporting to the CRA 's and damaging my credit. XXXX XXXX XXXX representatives were just as confused by the labeling of the account as " wireless ''. Not until I spoke to a manager, AFTER writing to Diversified about the mistake and the dispute, that a manager said the home security services are labeled " wireless ''. The manager apologized for the confusion, however, that confusion led to this mess. Again, XXXX XXXX XXXX 's irresponsibility and negligence have cost me time and money and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This a formal complaint against TransUnion regarding inaccuracy on my credit file. On XX/XX/XXXX, I discovered that XXXX XXXX account number XXXX opened XX/XX/XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX and XXXX which I have proof. I know that CRAs do not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX and XXXX by DELETING/REMOVING this account 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 explanation
Consumer complaint received 07-08-2016 about Debt collection (Payday loan) with Check Security Associates, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On XXXX, I received a call from XXXX @ XXXX XXXX XXXX. They stated that I owe a debt with XXXX, which I did not deny. The initial loan was for XXXX and they asked me to make them an offer. I was initially told that I could make a monthly payment arrangement. I told them I could pay them XXXX by XXXX XXXX to resolve the debt. This was not acceptable so he connected me with a Supervisor ( can not recall her name ). We went back and forth with her threatening me with wage garnishment unless I pay XXXX by the end of the month. I told her that XXXX has not even filed papers to sue me and there has been no judgment filed against me ; I knew that was false. She got disgusted and told me to hold on. I was at work and could not hang on and hung up. Then I got a call ( same day ) from XXXX XXXX saying he was another Supervisor and to please call back before they send over the garnishment to my employer. On XXXX, XXXX called again and I reiterated what I was willing to pay. He immediately put me on with XXXX who said that my offer was too low and told me I had to pay at least half the debt of XXXX by the end of the month. I told them to send the judgment and I was done and to not call me any more. They called me 4 more times in a row, twice from a XXXX number and twice from a private number. This debtor has never sent me a letter in the mail or contacted me before yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage Lender Roundpoint Mortgage has raised my monthly payments from US {$2900.00} to US {$3200.00} in XXXX 2016 installment without informing me in advance and without any explanation. My bank has paid the difference in overdraft. I called Roundpoint customer desk and informed me that they can not do anything about it because its the County Tax that was raised and hence the revised monthly payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (DC).
Issue: Other transaction issues

Complaint: My phone was stolen on XXXX XXXX. Before I remotely logged out of my phone, {$1000.00} of poker chips were fraudulently purchased using my phone. That evening, I called Google to inform them of the fraudulent purchases. I also called my credit card company ( XXXX ) to report the fraudulent charges. The charges were flagged as fraudulent and I was not required to pay for those charges. 
Google " suspended '' my Google Wallet account. They have confirmed by email and by phone that the only way Google will end the suspension is if I permit the back to reverse the " chargebacks '' ( i.e., I pay for {$1000.00} of fraudulent charges ). 
Without Google Wallet, I can not purchase additional storage from my Gmail account, risking my ability to communicate with an email address I have used for more than 10 years. I would also not be able to use an Android phone.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: These hard inquires that were not authorized by me and need to be Immediately removed. I have contacted Experian by phone and sent numerous disputes regarding this inquires. Experian refuses to delete these unauthorized inquires off of my credit report. These unauthorized inquiries are keeping me from obtaining credit. My report contains credit inquiries that I never authorized. I request that the following inquiries be deleted immediately : XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX of XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Please delete this inquires immediately from my credit report.

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 Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been paying for 10 years interest only on a XXXX and XXXX loan.  After a divorce I was able to purchase my current home, but was put into these interest only loans.  After 10 years on paying, XXXX notes on time and never late...they XXXX have changed from interest only - principle and interest only.  My XXXX loan is at a good interest 2.625% which I'm able to make along with the association fee.  My XXXX is the problem at an 8.875% interest, was paying XXXX and has jumped to XXXX XXXX my payment effective XX/XX/XXXX.  I cannot make this payment.  I have tried to ask for help with my XXXX mortgage directly, but they will not help in re-financing the XXXX loan only.  I don't qualify to re-fi the XXXX loans because I have no equity on my home.  I asked the XXXX mortgage if they would consider a principle reduction or forgiveness and they said NO.  For the past 10 years I have paid them responsibly and never been late or ever missed a payment, and now they will not help in any way, shape, or form.  I'm dis-trout in considering short sale and losing my home and having to walk away with nothing.  More so my credit which I have worked my entire life in maintaining an excellent credit and is effecting me to know that my credit will be damaged if I proceed with the short sale.  I have called and have exhausted all avenues to get someone to help me, but no one can.  That is my current situation.  Thank you very much for your attention to this matter!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing ( SLS ) assumed our loan from XXXX Bank but failed to notify us of the change. Our loan payments continued to be made to our XXXX checking account per the agreement agreed upon when the loan was originated. SLS falsely reported XXXX late payments to the credit agencies greatly harming our credit. I have contacted SLS on numerous occasions and they are unwilling to correct this wrong. Their continued delay continues to cause great harm to my families well being.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have had multiple loans through XXXX/Navient since I began school in XXXX. Since then I have had issues with my finances and have asked them for help. I have always been told that my payments are based on my income and are as low as they can get, even when I was unemployed my payment amount did n't change for this reason. They suggested I do a forbearance, which I have had for a few years now, and have gained quite a bit of interest due to this. I have never gotten any assistance in trying to make my monthly payments affordable and am just now at a place financially where I can afford them, despite being out of school for several years now. I always felt they took advantage of my situation, threatening default if I could n't make payments but not offering me any options other than a forbearance. Even going as far as stating I was n't eligible for a no/low income deferment when I was unemployed. I have had nothing but issues with this company and feel like anytime I need to speak to someone I get the runaround, being transferred from XXXX person to another because each person I speak to can not help me for XXXX reason or another. I will end up now paying over {$5000.00} more than what my loan is actually for because of all the interest I have accrued during the forbearance they required me to do. I received a call last night about the lawsuit being filed against the company and would like to be considered as I feel the issues being brought up in this lawsuit are exactly what I have been dealing with the entire time I have had a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (CA).
Issue: Fraud or scam

Complaint: I have had Rush card for over a year now .. I just bought a new car in XXXX i had my card info in the car due to them needing my bank info, I was sick and did not remove it from my car it had my pin number on the envelope. I had left that my card and meds in the car. someone got into my car and took all my things and drained my bank account. I filed a dispute form on XXXX which they stated in less then 10 days there was no error in my account and closed the claim. Stating i had to file a rebuttal letter which i did on XXXX XXXX. I have called them at least 50 plus times i keep getting the run around.I still to this day have n't received a letter from them which i have requested 8 times. I called again yesterday XXXX to see the status which they said they closed my case again i had them transfer to me to a superior who then claimed i never sent a rebuttal letter and to resend it again and is claiming i have to wait another 90 days for a response. It was over a thousands dollars taken out of my account. I could not make my rent or car payment. Someone stole my card and used it and they are refusing to give me my money or a report on why they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Debt collection (Medical debt) with Continental Credit Control (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted Continental Credit Control for a debt verification and never received it and they reported to my credit.

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 02-05-2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Application, originator, mortgage broker

Complaint: We have been dealing with SPS now for 2 years. We financed a mortgage with XXXX XXXX back in XXXX. There was fraudulent documents used in the closing and was proven to be by banking commission then XXXX bought them and could care less about the fraud than XXXX purchased the loan which they have given to SPS. We have tried numerous times to work this out with every mortgage company switching hands. I did my own appraisal sent it to XXXX and SPS. We have people coming not stop and even at night to leave SPS pamphlets on our door knob and to take picture of our house on our property. SPS has hired a lawyer contacting us trying to foreclose on us even though we were never served papers. I have a minor in the house and the last person that came we called the police and filed a report. Who are these people? How can they try and pursue any thing when SPS does n't own our mortgage and XXXX and SPS does not respond to any letter asking them for a list of questions and concerns concerning our mortgage. Also SPS would not reveal who they were if they were servicing the loan, debt collectors or bought the mortgage from XXXX. All request to XXXX and SPS are sent certified and signature return so I can prove we are doing our part. We have undeniable proof the there was illegal and fraudulent practice involved in making this loan and Banking commission confirmed it in their investigation. I am tired of the threats and living in fear with one of these people coming to the house with my son in the home. There are so many complaints with SPS. They should be held accountable for their actions along with any bank using them. This has been going on with XXXX since XX/XX/XXXX. Thank you for any help and God Bless

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