milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/26/2017 about Debt collection (Medical debt) with Independent Recovery Resources, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is continually attempting to collect a debt for a man named XXXX XXXX ( not sure how to spell his last name ). 

I have been receiving phone calls for well over 2 years regarding his debt. I have spoken to this company approx 50 % of all calls made to me and i have repeatedly told them that i do not know who this man is, i am not associated with him ; i have even gone as far as speak to a supervisor and gave them MY information. 

I have heard every excuse for a solution " we will remove your phone number '' " oh the phone number you are giving me is not on his account '' .... how else am i being contacted then? 

I have full access through their automated system to this man 's personal financial information, and as i have advised this company on numerous occasions, is illegal for me to access, but they are continuing to give me access. 

When phone calls are made, i try to use the auto system to say i am not this man. i still receive phone calls. If i go through the system to speak to a representative, i have full access to this man 's debt information. 

I have contacted them directly, and nothing is being done about this matter.

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 (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Trouble during payment process

Complaint: I have contacted the company about having the PMI insurance being dropped as I have met the requirements to do so.They insist that the rules for this are different for my loan and the PMI will remain. I have spoken with my account who has reviewed the paperwork and he agrees that it should go away based on the current value of the home ( XXXX ) vs the amount of the loan currently ( XXXX ). Wells Fargo said that this is based off the original value of the home, not the current value, but even if that were true my home was valued at XXXX when it was purchased. 

I feel like I am being strung out to pay this additional @ XXXX each month for no reason, and if this was taken care of when I had called originally over 2 years ago, I would have saved over {$4800.00} in that process. 

I am also looking to have a real estate attorney look into this as well, but wanted to have something documented since this bank has a reputation of shaddy practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: APR or interest rate

Complaint: I am retired aged XXXX years. I lost my job XX/XX/XXXX. 
My main source of income is retirement benefits from social securityJob loss and two times XXXX to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loans on time while I was in job without any back payments or default in payments at any timeMy main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high APR.. 
Requesting all the credit card companies to reduce my interest rate and principal amount to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Mortgage (FHA mortgage) with KONDAUR CAPITAL CORPORATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm a single mom. My primary house that I live in withMy daughter is in foreclosure. I have been tryingto modify the with Kondaur Capital corporation loan # XXXX .. I complied with all the demands but theyrefused the modification and only gave me option toeither to do a short sale or foreclose on the house. 
I accepted to go for short sale because I cant afford thelawyer fees. Even with the short sale they pressured meto use their own agent and to sign a document that denyme all my rights in the house and when I complainedand wanted to use my own agent they cornered mewith a high listing price that is higher of the market priceXXXX more .. which makes it impossible to selland they limited the time and commission to the agent. 
that if I do n't sell in the given short period they are notapproving the short sale and they are going to courtthey keep pressuring me to give up my house and pushingme to pay lawyer that is costing me lots of moneythis is my primary residence and my daughter goes toschool .. it is very hard to relocate now.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: XX/XX/XXXX, I was approved for an Auto Loan through my financial institution ( XXXX ). After researching vehicles, I test drove a XXXX XXXX XXXX-I liked the vehicle. To give my choice consideration, an hour or two after the test drive I went back to XXXX XXXX XXXX XXXX, XXXX IL, XXXX ( ( XXXX ) XXXX ) : to begin negotiations. <P/>I settled on a price. After a drawn out process with the salesman, I was then taken to the Finance Manager ( XXXX XXXX ) who was inappropriate and unprofessional insulting XXXX and my loyalty to them. I rejected all offers for other financing options and refused to sign the loan application he had prepared befor I sat down indicating " I had to sign it! '' I DID NOT sign nor authorize XXXX XXXX or any other auto dealer to run or prepare a loan application on my behalf. XX/XX/XXXX I received a rejection letter from XXXX XXXX regarding a loan I had applied for. Loan application # XXXX. I called XXXX XXXX but they would not give me any information other than the car dealership name regarding this issue. I was told to contact the dealer. <P/>I am sure you can understand for the safety of myself and my family ; with regard the mechanical readiness of the purchased vehicle I refuse to do so. <P/>Furthermore, I also received a credit card for an AUTO purchase with a line of {$7500.00} XXXX dollars. This offer I discovered is from a XXXX XXXX. Some how this is associated with XXXX XXXX or the value extended to this organization. <P/>I have been the victim of TAX fraud in the past ; both my banks in the past week have upgraded and increased my security measures regarding my accounts : this is an indication my information is being compromised. <P/>Please I implore you to look into this on my behalf. <P/>Your interest is greatly appreciated. -- -- - Respectfully 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 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with OCWEN LOAN SERVICING LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I am a victim of fraudulent credit activity, my identity has been used without my consent to obtain goods or services .I have owned a XXXX XXXX XXXX 17 years and disgruntled employees have submitted my name or used my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Mortgage (FHA mortgage) with Home Servicing LLC (GA).
Issue: Credit decision / Underwriting

Complaint: Had a terrible experience working with XXXX XXXX at Home Services Lending. He forwarded a rate lock agreement for 4.5 % that my husband and I signed. Two days later, he stated that he would not honor the interest rate of 4.5 % because his computer erroneously put in the rate. Instead, he advised that our rate was 4.75 %. When I escalated this issue to XXXX 's superior - XXXX XXXX, she also suggested an error in the computer generated agreement. However, regardless of any such error, XXXX XXXX signed the rate lock agreement for 4.5 % prior to forwarding it to my husband and I to sign. Despite this fact, neither XXXX nor XXXX agreed to honor the rate, and my husband and I were forced to close on our house at a rate of 4.75 %.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint: For the 1st time in over 3 years, I have fallen on hard times in regards to making payments on my card. I have never missed a payment and this is the first time this has happened. I have literally been getting automated ( dialer ) calls 4-5 times per day including Saturdays. This is 100 % unacceptable and borderline harassment. I have been in the XXXX XXXX for over 13 years and I am a XXXX XXXX XXXX. I am currently gong through a divorce at in the process of filing for bankruptcy. I am asking at this time that all communication via telephone to CEASE until my attorney is in contact with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2015 about Debt collection (I do not know) with RS Clark and Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Please see my complaint # XXXX. The response was due from RS Clark on XXXX/XXXX/15. They have not responded. They have not validated the debt. They continue to break the law violate my rights and you continue to let them by not following through on the complaints they do n't bother to respond to. This is the XXXX one they have ignored and you DO NOTHING! Please instruct them to remove it from my credit listings immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Payday loan, title loan, or personal loan (Title loan) with U.S. BANCORP (OK).
Issue: Can't contact lender or servicer

Complaint: We received a confirmation letter on  XXXX / XXXX / 2017  from  U S Ba nk stating that the loan amount has been " fully satisfied ''. We expected that a timely receipt of a clear title would be forthcoming given that the {$58000.00} was received b y U S B ank. We have contacted th eir Consumer Loan Service  Payment weekly to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (TX).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I started with disputing with credit bureau because dates were wrong and account was over seven ( 7 ) years old I Lost all disputes reason given ( it met F.C.R.A. requirements ). I was shocked the only way they could say that was if paperwork dates were falsified or FCRA data does n't require much to pass their standard. I then wrote to original creditor and got no reply. Later some accounts were taken off. it helped but some accounts were duplicates. Then after the ones remaining on report 's dates changed again so I think the company my account was sold to and then they sold to ect..was in control of dates and account numbers both changed or were removed. I Got my past seven ( 7 ) years of my bank statements and there were no payments made on those days in fact no payments were made in those ( 7 ) years

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Student loan (Non-federal student loan) with SUNRISE CREDIT SERVICES, INC (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My private XXXX student loan was transferred to a new owner sunrise credit. I receive multiple calls a week from this company and have complained twice to them about it. If I make a payment I get a call that I have n't made a payment. If I miss a payment due to financial strain and explain to them I will not have it til the following month they state they will note that in the system yet I still receive daily calls. It is extremely frustrating and during my last call that I answered I told them this is considered harassment and that I already spoke to someone who was supposed to " note '' in the system when I will be making my next payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I disputed an amount from a collections agency called Gold Key Credit Inc. and they did n't inform XXXX and XXXX, the credit bureaus that they report to. Every time I pull up things on my XXXX I see this derogatory amount from them on there. I know I have put 'threatened to take legal action ', but so far they have n't but I know that they will in the future. It 's just what collection agencies do, on top of that, they never answer the phone when I want to discuss my case with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Police report and supporting documentation were sent to all XXXX credit reporting bureaus regarding identity theft and fraud that has lead to derogatory information on my credit reports. I have since received a response from only Experian and Equifax credit reporting agencies notating refusal to cooperate. My attorney sent a letter demanding the cooperation of the XXXX credit reporting bureaus under Fair Credit Reporting Act ( FCRA ). I have also sent a notarized statement with color certified true copies of my Social Security card and drivers license, along with a copy of the letter from the attorney. All XXXX credit bureaus still continued to refuse to correct my information. However, after another FCRA complaint regarding XXXX violations of FCRA, XXXX finally corrected all the information. On the other hand, Trans-Union just now finally responded for the first time in many months explaining that, despite all my documentation, my correct information is either an error, a misrepresentation, or fraud. Under FCRA, identity theft victims have additional rights, and I may seek damages from violators. I am already suffering damages in the form of increased rent, increased insurance costs, and denial from continuing my college program ( financial aid ) until the inaccurate derogatory information is removed. This has already been going on for six months, and I have already made repeated requests from TransUnion to remove the inaccurate information. Given my small XXXX insurance income, these delays from TransUnion pose undue hardship to me. Further, regarding my expenses to resolve this issue, I may seek damages from the credit reporting bureaus in federal court in the form of punitive damages resulting from the undue hardship. I request assistance in removing the incorrect information and seeking punitive triple damages from the credit reporting bureaus.

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 11/20/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was sent a letter offering a settlement the for original debt was {$160.00} I was offered {$100.00} that was paid in full back in XX/XX/XXXX. The company still is reporting that I owe the difference which is {$58.00}. 

I have called several times and spoke with 2 agents both said that they it was settled and will fix the issue it never got fixed. The last young lady I spoke with this morning was very ruled and nasty. This debt has been settled, and I would like this balance removed and to appear on my credit reports as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (TX).
Issue: Managing the loan or lease

Complaint: I have 2003 XXXX financed through United Auto Credit. I am XXXX payments and have XXXX to go, the motor has locked and seized at this moment. I have been in contact with the financial institution from the day it has been inoperable. They asked me to obtain estimated cost of repairs so they may file for an extension on payments. I have done so on XXXX different occasions, but mysteriously everytime it 's sent over its a new person claiming to be my account manager. At this present moment I am being harassed on a daily basis over a payment, in which I was told would be extended if i sent over the required documentation ( estimate/qoute )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other service issues

Complaint: Hello, I am writing to file a complaint against PayPal for their limitation of account functions for no given reason. I followed Paypal 's rules to link my bank account and use that as my main source of payment for online check-outs and out of no where they have stopped me from being able to use it, but want me to use their credit line instead and presents that as my only option. I have been using my bank account ( the same bank account ) with PayPal since 2008 and have n't had a returned or denied payment in all that time. But now PayPal is saying " security reasons '' they can block me from using my bank account at anytime. Why make me link it, if they can make the decision to prevent me from using it whenever they want. 
Then when I call customer service they can not provide a reason for why the account was blocked, all they say is PayPal reserves the right to prevent use of payment options. 
If they ca n't arbitrarily decide when and what payment methods I can use what is the point of their services and then they can not provide a reason for why my account was limited. 
Then they market Pay After Delivery as a service and decide that they can just stop offering it as an option whenever they want for any transaction they want. I used it multiple times on a specific website, then I go to use it again and its just gone. Now I do n't have the option at all even though it still says " Pay After Delivery is your perferred payment method '' in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo has a property listed at XXXX number XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. I put a FULL PRICE offer of {$360000.00}, on this property, which is listed with the REO agent XXXX XXXX. License number is XXXX XXXX in XXXX XXXX XXXX ; on XXXX XXXX 2015. My Realtor was told that they Had a several offers over the Listing Price. Now the property is back on the market and is Listed XXXX below the previous Listed price and my prior offer. The Realtor now is saying that she has offers again, over the Listing price. I feel that since I am not using Wells Fargo for my mortgage, which an addendum was presented that wells fargo can prequalify me, and other documents pushing a Wells Fargo 's Mortgage person, the Realtor is not taking my offer. I also Feel, that the realtor is taking offers that she is getting both sides of the commission on which seems to be a conflict of interest and in the best interest of the REO Lender. This is not the first Wells Fargo REO property, that this Realtor did not accept my full price offer. My Realtor was willing to give her XXXX % of his commission to make this transaction work. Can you help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Other financial service (Check cashing) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Fraud or scam

Complaint: CFPB ComplaintI have a small business. A former associate fraudulently obtained a check made out & printed payable to my business, ( the payee ). This person Hand wrote their personal name on the check and cashed/deposited it at Bank of America. They also endorsed this check with their signature. Effectively this person stole this check for {$20000.00}. In USD which was payable to my business. Bank of America, upon filing a Demand letter to have these funds returned to the appropriate Payee, ( My Business ) is quoting state Law for Washington State for which they are not governed by, in using the statute RCW : Revised Code of Washington : XXXX Conversion of Instrument. This is an inappropriate and irrelevant quoting of regulatory statute. This is apparently being used as an Excuse for the purpose of not returning the fraudulently cashed funds into their bank. The Bank of America is governed by the OCC and not by State codes further. This check was printed with my business legal entity Name which is primary in the Payee endorsement of check payment instruments. It is fraudulent to cash or deposit a check to an account to any other account not associated with the printed intended Payee account, particularly without any primary payee endorsements or notifications. I request the CFP make notification to Bank of America this transaction was fraudulently cashed or deposited and payment to the appropriately intended Payee must be made immediately. Further, I request any and all legal notification of the OCC governance and appropriate banking or check fraud notifications be made to both myself and bank of America Fraud department Via : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Phone Number XXXX Address : XXXX XXXX, XXXX XXXX XXXX, XXXX, WA, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation