milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2016 about Bank account or service (Other bank product/service) with BARCLAYS BANK DELAWARE (FL).
Issue: Account opening, closing, or management

Complaint: BRCLYSBANKDE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BRCLYSBANKDE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BRCLYSBANKDE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, 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 02-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX had several student loan with XXXX which were in repayment for years. Because I could n't meet the minimum payments my loans were transferred to numerous of collectors. I continued to pay my loans via these collectors who harassed me day in and out and realised my meager payments were n't helping the matter and ceased payments. Fast forward 7 years later i am now being sued by several collections law firms for an astronomical amount claimed to be owed by me. The accounts were charged off/ closed in XXXX and navient has recently updated information on my credit report stating my last payment was in XXXX which I have requested proof of, and have yet to receive. I do believe i am a victim of unfair practices. None of these firms have provided the requested documentation of all credits and debits made to this account. navient is constantly changing the amount of days past due on my account which is inaccurate and dishonest. these practices are unethical and must be stopped. thousands have been paid back and i am being held responsible for more that twice than what was borrowed and paid. furthermore the statute of limitations placed on private loans have come to term and is being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Vehicle loan or lease (Loan) with KEYCORP (OR).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: On XX/XX/2018 my husband and I applied for a joint consolidation loan at the Key Bank, in XXXX, OR. The loan officer was very polite, and engaging. On XX/XX/2018 he called us to inform us that we were denied based on 3 years ago prior late payments on my personal record. At that moment, I told him we would like to apply for just a car refinancing loan only in my husband 's name ( because he has good credit ). The loan officer, XXXX XXXX, then informed me that they do not give loans to XXXX. ( My husband is a legal XXXX XXXX. ) At that point I replied that I felt that this policy was racist, and discriminatory. 

Therefore, I would like to make a discriminatory complaint against Key Bank. I also called the XXXX number and the customer service lady confirmed that whatever the criteria for " underwriting '' for Key bank 's loans policies are, which the loan officer stated, was what Key Bank goes by. Therefore, it is obvious that this bank is discriminating against legal XXXX XXXX. ( My husband has a 10 year XXXX XXXX, Social Security Card, Oregon Drivers License. ) Please submit this discrimination claim. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I went to buy a house ... ... ... .My credit report was pulled, TransUnion showed a debt to XXXX XXXX for {$4700.00} to XXXX ... ... ..I have never had any dealings with XXXX ... ... ..I contacted XXXX to try to resolve this matter ... ... ..This debt was incurred XXXX XXXX, my son XXXX and his wife XXXX XXXX XXXX were living with me at the time ... ... ... .My son and his wife were handling my bills for me, they had access to Social Security Numbet and credit cards ... ... I was declared XXXX in XXXX ... ... ..Started receiving mt disabilty from social security in XXXX XXXX ... ... ... ... ... I knewe that I would never be able to work again, why on earth would I take a management course knowing that I would never be able to work again ... ... On the other hand XXXX XXXX XXXX was trying to get ahead ... ... ... .I contacted XXXX XXXX @ XXXX XXXX. I wass ujnable to get a phone number, address, or email for XXXX ... ... .XXXX could not provide me with a signed contract, the social security number on this account, a voice print ... ... ... ... No proof that this was my debt ... ... ... ... .All they had was my name ... ... ... ... ... I know that I am notk the only XXXX XXXX in the world ... ... ... ... XXXX would provide me with nothing that would prove that this debt was mine ... ... ... ... .I had to pay the money in order to buy my house ... ... ... ... I did find out that XXXX had as a registered Agent XXXX @ XXXX ... ... ... ... XXXX XXXX and XXXX XXXX Offices do not exist ... ... ... ... ... .No one could prove this was mine ... ... ... ... Please helo me. Only XXXX of the XXXX credit reporting agencies showed this debt

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 06-08-2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted on my cell phone by a woman named XXXX XXXX on XXXX/XXXX/16 at XXXX. I did not answer since it was an unknown number so she left a message. She does not state what company she works for but says that there is a claim in their office and she needs to speak to me further regarding the matter. She called from XXXX. She requested that I call her back a XXXX, ext XXXX. She said I was to refer to case # XXXX. Within seconds of that call my son received the same message for me on his cell phone. I have recordings of both messages left. The message on my son 's phone was the same except the case number given differed. I did not return the call. On XXXX XXXX, 2016 I received a letter from ARA Inc stating that ARA has recently obtained and now is the legal owner of my XXXX Account. I do not have an account with XXXX, nor have I ever had an account with XXXX. I called XXXX 's fraud department and they verified that they have no record of an account with my name or the account number that ARA Inc. says is mine. ARA claims that I owe {$5500.00}. I do not. The case number listed on the letter is different than the XXXX numbers previously given in the 2 different phone calls. I ordered a credit report on XXXX/XXXX/16 through XXXX which also shows that I have never had credit with XXXX. The credit report also shows that I have XXXX negative accounts, XXXX collections, and XXXX public records. All accounts shown are either " Pays as Agreed '' or they are closed with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have requested for Experian to remove an obsolete Federal Tax lien from my credit report several times. They refuse even though I have supplied them with the appropriate documents to show that the item should be removed. I do not like having to file complaints but this item is really hurting my ability to obtain credit and I have made several requests for removal with no change to my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2017 about Debt collection (Payday loan debt) with Bliksum, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had taken out a loan with them and had paid back what I borrowed plus some. I ended up defaulting due to family trouble and my income was not enough to cover all bills. They started calling me relentlessly. I had told them to stop. They have n't. This has gone on since  XXXX  of this y ear (   2017 ). They call multiple times a day ( up to 12 times ) from various phone numbers. They mask their number to local area codes and phone numbers that belong to regular people, as well as using phone   numbers and area codes that belong to areas and people all throughout the country.  <P/> Lately they 've taken to harassing my hus band ( a  prior reference ) and somehow they got the number for a good friend of mine and have been calling her too. My husband has also asked them to stop calling him. On average I rec eive 7 pho ne calls a day.  <P/> Most recently a "  XXXX   XXXX  '' has been calling multiple times a day from different phone numbers. He uses legal terms saying there is a " case '' against me and he wants to work with me to help " get it dismissed. '' His number is  XXXX , ext.  XXXX  I have attached a log of the many phone numbers I have received harassment calls from.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from my mortgage provider, Wells Fargo stating that they incorrectly calculated my payment per our agreement terms. As a result, the monthly payment they billed was too low to pay off account by maturity date. They now want to increase my payment. The first letter was provided on XX/XX/XXXX. Since then I have made multiple calls with no answer to why this happened and why their mistake is my issue now? I called the number they provided on XX/XX/XXXX. I 've made multiples calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with additional calls on XX/XX/XXXX and XX/XX/XXXX. This is only the calls that I have recorded, with additional calls made with no response or answers. The letters I received, started on XX/XX/XXXX, and there after in XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX all stating they are looking for answers. I feel that the mistake they made are now on me by increasing my payment and have not held themselves accountable.

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 06/28/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Mortgage has caused me to go into foreclosure. They have failed to apply my payments correctly. In fact when they filed the complaint in foreclosure, they were utilizing an old agreement. My loan was modified in 2014. Despite making payments under the agreement, they were not properly applying my payments. They took money from me, cashed the checks/money orders and said, we did not receive the money. When I called the electronic system, the recording said, your account is past due. I attempted to reach someone by phone to find out what was happening, but could reach no one. In my opinion Ocwen is very unorganized and the company is a complete disaster. This has caused me a lot of stress, needlessly. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Money transfers (Domestic (US) money transfer) with NETSPEND CORPORATION (TX).
Issue: Money was not available when promised

Complaint: The company Netspend promised if I used there services I would have my XXXX check deposited 2 days early. They have continually failed. My rent is due today. They will not reply to my inquiries of why they are not depositing my XXXX check I was directed here by the Texas attorney general could you please investigate why they failed to do as they said.Thank You, XXXX XXXX my phone number is XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Rewards

Complaint: I got an offer for XXXX Amex points after spending {$20000.00} in 3 months on the Amex Business Platinum card. A week after receiving the card, Amex replaced the card because there was an issue in their system with the card number. I then met the spending requirement on the new card they sent me. The bonus never posted because of a glitch in their IT system. I opened a case with Amex and I was told I would get the bonus but I still never got it. ( The XXXX points I currently have are from my other amex cards )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion is reporting inaccurate information in my credit report. There are XXXX negative items ( XXXX, XXXX ) being reported for more than 7 years since the first delinquency day. One month ago I submit a dispute, but the results came back with different days and not corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: RE : Wells Fargo Home Loans XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX NJ XXXX Loan # XXXX TO WHOM IT MAY CONCERN : This serves as a Notice of Error as enacted by Consumer Financial Protection Bureau effective XX/XX/XXXX. 
We applied for a modification with our Servicer, Wells Fargo XX/XX/XXXX. We worked with a certified HUD Housing Counselor named XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ. We worked with XXXX XXXX to provide Wells Fargo with a hardship letter, and all our documents that provide evidence we have the income to support modification mortgage payments. 
Despite our eligibility for a modification, Wells Fargo denied our loan modification request. Wells Fargo sent us a letter, dated XX/XX/XXXX, that stated we were denied, but they failed to provide a reason for the denial, as specified in the CFPB Modification Rules : 1. ) Denial of a loan modification option : A servicer that denies a borrower for any loan modification option must provide a written notice to a borrower stating the basis for the servicer 's denial. 
2. ) Net Present Value ( NPV ) Test : If an NPV test is the basis for a denial, a servicer must provide the borrower the inputs used in the NPV test. 
3. ) Investor Requirements : If an investor requirement is the basis for a denial, a servicer must describe the investor requirements ( simply stating that an investor requirement exists is insufficient ). 
4. ) Waterfalls : Servicers may follow investor " waterfalls '' to determine eligibility for particular loss mitigation options but must explain the existence of the waterfall as the basis for the denial of any loan modification option. 
We filed an appeal within the 30 days which was prepared and submitted by XXXX XXXX to Wells Fargo. Wells Faro denied our appeal, and once again we did not receive a detailed reason for the denial, pursuant to the CFPB regulations. 
We are disappointed that Wells Fargo continues to violate the CFPB Servicer Modification Rules. 
This is our family home and we have the income to support reduced mortgage payments. Please provide us with the level of detail required pursuant to the Rules so that we can address any perceived deficiencies. 
Thank you. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (I do not know) with Franklin Collection Service, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Some years ago, I had my purse stolen. I reported it to the police department when I resided in Florida but  whomever the  person was still open things in my name and I did n't find out until later. At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: On multiple occasions since the beginning of the year I have asked Nelnet, my student loan servicer, to send me copies of my monthly statements from XXXX XXXX to XXXX XXXX. Several times I was promised the statements but never received them, while on other occasions I was told that retrieving statements more than 12 months in the past was not possible. Nelnet states that all this data is purged from the system after 12 months time. 

With a loan balance of {$120000.00} it seems highly unlikely that the company does not have records of my monthly statements going back farther than 12 months. I require these statements in order to verify that my student loan has been serviced correctly and that the amounts added as interest or capitalized to principal are correct. So far, the company has refused to cooperate. 

Any large financial institution handling loans of this size : credit cards companies, banks, brokerage firms, all have the ability to locate statements going back several years. They are sometimes archived, but they are never deleted. If true, it is highly irresponsible of Nelnet to delete these statements when storage data these days is so inexpensive. 

Since it seems highly improbable that these statements are no longer in their possession, I am writing to the CFPB to assist me in compelling Nelnet to retrieve these statements from their archives and to send them to me by mail or email. If they truly have deleted these statements as they claim, I would like them to recreate the information as one would see it on a monthly statement, and send me the results. Given the amount of this loan, it is unreasonable that Nelnet is refusing to comply with such a simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )

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 08-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted a fraud dispute on XXXX/XXXX/2016. XXXX actually deleted the account from my credit report but Transunion failed to conduct a proper investigation and the account still remains on my credit report. It only took Transunion two days to complete my dispute request and states changes were made to my report but the account is still there without any changes.

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 05-08-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Taking out the loan or lease

Complaint: I bought a car from XXXX in XXXX from a sales person named XXXX. The car was a 2003 Mercedes with around XXXX miles valued at {$9500.00}. XXXX sold me thecar for over {$18000.00} after telling me that I had to stay around {$10000.00} I later see so he could add all these additional charges. XXXX set me up with a finance company that he told me that they use on a regular basis called Santander XXXX. They added an additional {$18000.00} which would have come to over {$36000.00} had I paid off the loan. XXXX told me I could pay off the loan early and avoid the interest but after I signed the contract Santander made me pay on the interest XXXX and intended on getting all $ 36000for a {$9500.00} car. I traded the car in after paying $ XXXX which cameto {$9000.00} and I also put down {$1400.00} down payment. Its amazing that there are companiesout there that are doing this and going UNCHECKED. This is modern day LOAN SHARKING.

Company response to consumer: Closed with explanation