milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This morning,  X/XX/17    i received a call from someone alleging to be with Barclay Bank wanting to discuss my credit cards and credit report over the phone. I refused and called back to see if this was legit. I was transferred to a credit counselor who inforamed that Barclay had cut my credit line by 50 % for no apparent reason. I have  XXXX  accounts in excellent standing and have never gone over the limit, been late missed payments or anything. My accounts have been perfectly maintained and by Barclay doing this it hurts my credit by making it appear i am using more of my credit than i actually am. I calle d 3 s eparate times asking for corporate headquarter contact information and the reps, on a recorded line, each time refused to provide me with that information. When i called up to cancel all  XXXX  accounts i was put on indefinite hold. Keep in mind these accounts have all been in excellent standing and they have acted to hurt my credit without cause.

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 01/19/2017 about Student loan (Federal student loan servicing) with SLM CORPORATION (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: They flat out refused to work with me to lower my payment because my uncle who was living with my grandmother had a high disposable income due to not having many bills. I started at my job making {$10.00} a hour they expected me to make a monthly payment of over {$1000.00} a month. I could not keep up with the payments and fell behind. This caused a great deal of stress on my uncle who made the payments and has tracked how much money I owe him. This {$1000.00} dollar payment is on top of my federal loan payment and rent, car insurance and other bills. My grandmother was then XXXX. I was basically ostracized from my family due to falling behind on my student loans. I have been making the full payment on my loans and living on ramen noodles due to being fearful if I fall behind they will take my grandmothers housethaybshe left to my uncle. I just want to create a better future for myself and family with a manageable payment instead of beings stuck in a cycle of poverty. I have a good job and make good money but have nothing to show for it due to my high payments. I feel like I will never be able to start a family or live a normal life due to the ridiculously high payments I am forced to make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX at XXXX, Bank of America was ordered to put a freeze on my wife 's bank account for the amount of {$960.00}. The bank put a freeze on both of our joint accounts as well as her personal account for a total of almost {$4700.00}. They left us with {$0.00} in all XXXX accounts, which is against EIPA regulations. When I called to found out why our joint accounts were on a hold, I was told that the matter involves my wife and they can not tell me. When my wife called, she was rudely told that the agent can not help with the situation. He then put her on hold and then hung up. The next agent gave my wife the number of the collector that caused the hold and told her that nothing can be done until she speaks with the debtor, which was closed for the weekend. 
On XX/XX/XXXX, my wife was able to get in contact with the debtor and made reparations. She was told to go to the bank to get the {$2600.00}, that was not supposed to be held, released. 
I went to the bank and spoke with 2 managers. The first rudely told me that there was nothing I can do until the debtor mailed me the paperwork. The second manager told me the same, and brought me to a room to speak to the legal department via phone. The legal department informed me that the matter has to do with my wife, and they can not tell me anything ( even though it was regarding my accounts ). 
My wife called customer service and was told that a check would be sent out covering the {$2600.00}. 

On XX/XX/XXXX, my wife received a check for {$2600.00} for the amount that was excessively held.

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 10-08-2015 about Consumer Loan (Vehicle lease) with U.S. BANCORP (WA).
Issue: Managing the loan or lease

Complaint: I leased a XX/XX/XXXX XXXX S60 through U.S. Bank. The lease end date was XX/XX/XXXX. I returned the car to the XXXX dealership, as instructedXX/XX/XXXX. Nonetheless, U.S. Bank debited by checking account for a lease payment XX/XX/XXXX, even though the vehicle was returned and the lease was current, with no money owing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: My previous complaint ( # XXXX ) had been closed - without benefit from CFPB 's scrutiny of OCWEN 's response. I have attached OCWEN 's response here which sets a deadline to accept or reject the loan offer within 14 days ( ends in XXXX XXXX, 2017 ). 

Contrary to CFPB 's concluding statement, the dismissed lawsuit I filed against OCWEN ( with XXXX Bank, XXXX, et al. ) did not include complaints about the systemic misconduct on " robo-signing '', which the CFPB and the Courts of California found OCWEN to have wrongfully engaged in and for which reasons, they have been penalized for. 

I am writing to inform that OCWEN, continue to defy the law and CFPB compliance requirement - OCWEN had fabricated " robo-signed '' documents and used such forgeries to enforce their illegitimate claim on my property. 

Here they have tampered /blacked out the loan numbers, added documents purporting to assign valid transfers of the note and mortgage. 

CFPB should hold lawyers from XXXX liable for aiding and abetting the fraud. They are at the heart of many wrongful foreclosures in California. 

I can not accept these documents for what they represent. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: It appears the debt attached to the XX/XX/XXXX Deed of Trust associated with my account may have been sold multiple times between XX/XX/XXXX and XXXX, and not through a Trustee 's Sale at public auction as represented to me and the public by Bank of America and their named Trustee, XXXX XXXX XXXX XXXX ( XXXX ). This deliberate action amounts to fraud ( a knowingly false representation ) on a mortgage, Deed of Trust, or real estate and property and possibly Racketeer Influenced Corrupt Organizations ( RICO ) Act violations as prohibited by law. 

While Bank of America through XXXX caused to be recorded at least one Trustee 's Deed the next business day following Trustee 's Sale at public auction according to county records, Bank of America, through Trustee XXXX, took eleven ( 11 ) days to record a Trustee 's Deed related to my property after the day of auction and sale without explanation as to why such a delay occurred. On the face of it, the reason appears to be the withholding of the recording of a public document until a named bona fide purchaser ( BFP ) XXXX be had and named within and on the Trustee 's Deed, an official public document, thereby attempting to avoid any appearance of unlawful activity related to a mortgage, Deed of Trust, or real property. 

It is to be noted Bank of America has no authority to begin foreclosure and property separation processes while the modification process is pending, as a matter of law. 

All applicable Acts and other regulations, statutes, guidelines, and rules of law. 

All previously mentioned resolutions are desired and mandatory.

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 03/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Unfortunately, I have had several bad experiences with Wells Fargo. After allowing multiple opportunities to correct their mistakes I have decided to forewarn everyone to move cautiously when considering a business relationship with Wells Fargo and submit a formal complaint. As a small business owner customer service drives revenue for our company. 
My initial encounter with Wells Fargo was onXX/XX/XXXX, I opened the business checking account. Everything seemed to go well until I was unable to login to the account. After several attempts to login I changed the password. Little did I know, the account was linked to someone else account. Fortunately, it was my wife but I was never joint to her account so one can only conclude that the banker responsible for establishing a new account added me to her profile without her authorization. After bringing it to their attention the manager apologized and corrected the error and convinced me that the service is great and would like an opportunity to assist me by opening a business credit card ... I obliged. 
Hindsight is 20-20 because on XX/XX/XXXX following that experience our clients were making orders and mailing checks but Wells Fargo would place a hold of 10 days on the check prior to releasing the funds ( this hindered the day-to-day operations of running the firm ). Although it seemed to correct itself, I had a recent encounter with this " glitch '' again onXX/XX/XXXX. 
My final straw was onXX/XX/XXXX without notification, the same business credit card which managed all of the rolling transactions, its credit limit was reduced by nearly 70 % then charged an over-the-limit fee. This was clearly a mistake so I went into the branch which the banker expressed that she didn't know why and contacted the business credit card department. The account was closed all occurring within 1 billing cycle. The representative apologized for the mistake and said he sent an email to the supervisor for follow up to reopen the account. After a few months of silence, XX/XX/XXXX I called customer service which then explained that its been over 90 days since the closing of the account and there's no further action that can be taken. 
In conclusion, in order to avoid loss of time, energy and resources one should consider establishing a business relationship with a financial institution that will not put your privacy, credit and finances at risk. AVOID WELLS FARGO!!

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 10/20/2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (TX).
Issue: Problems when you are unable to pay

Complaint: I was less than a week late for my car payment, it was repossessed without even a call to resolve first. When I called to see if it had been repossessed or stolen, I was told they would no longer do business with me and there was no possibility of getting my car back. Bridgecrest then told me I may or may not even be allowed to get my car seats back because it was n't my car anymore.

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 02-07-2018 about Payday loan, title loan, or personal loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (SC).
Issue: Problem when making payments

Complaint: My account with CashCentral ( Community Choice Financial ) is past due, due to hardships I was facing. When they would actually call me, they were aware of this. I'm attaching the last email I received from them, and I'm just getting around to reading. When I call to make payments using either of these numbers ( XXXX XXXX XXXX or XXXX XXXX XXXX ), and also today when I called to find out what I need to do to make a payment, I am/was bounced between departments that can not help me. Each person that I speak to asks for my SSN, name, and telephone number, and this makes me really uneasy that there may be something foul occurring at this company. Finally the tenth person explained that my balance on the account was {$1800.00}, and that an amount of {$480.00} was being charged off to a collection agency - she then informed me that she could connect me to the right person that could help me. When she transferred me, I spoke with a XXXX at the corporate office who also asked for my SSN and name, and once he had that information, he immediately transferred me to someone else. By the twelfth person I spoke with, she informed me she was over the department for California, so she couldn't help me but she would speak with her manager so she could TRANSFER me to the right person. After being on hold for about a minute, she hung up. This has been a constant thing all day and in the past, and it is really upsetting. I was on the phone from XXXX XXXX - XXXX XXXX being bounced around, with the stomach flu trying to be a productive member of society. It's to a point where I don't even want to deal with anyone from that company.

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 11-09-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I m the victim of an on-line work at home scam, the work was to be a purchasing agent, the scam involved paying off my credit card balances so that I could then make purchases to be shipped, the scammer used an account from XXXX XXXX XXXX  to pay off the balances of 3 capital one cards and one card from XXXX XXXX, when I called the banks to seek fraud protection, they conducted an investigation and stated that because I made the purchases it was not fraud, when I further tried to explain that when the payments were returned back to XXXX XXXX that the XXXX XXXX account was fraudulently obtained and funded that credit cards by money transfer from a XXXX XXXX account, XXXX XXXX advised there was nothing they could do and refused to help.I have the account number and routing number that was given to me by the scammer and I have all the email documentation, a police report and a letter from the state attorney General, the banks say they conducted an investigation but did not want any of my documents to assist them on my behalf, XXXX XXXX wont discuss the matter with me stating they do not give out third party information and since I am not a customer with an account, they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: Jcp has joint account I never sign for in my divorse it says he responsibility of own accoutnts

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receiving daily calls from Mercantile for about the last month. have not called them back. We have excellent credit rating and owe no debts. Always the same message, to call back with a reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: 1. Unauthorized inquiries on my credit report on XXXX, TransUnion, and XXXX. I can only provide images of XXXX, and TransUnion inquiries. 2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. Remove any other social security numbers that is associated with my credit file other than XXXX XXXX. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information. 5. Remove any other names other than XXXX XXXX. Please update 6. Correct all of the errors

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 09/13/2016 about Debt collection (Payday loan) with Risecredit, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I noticed on my latest credit report a collection account from this company but as of XXXX XXXX I have n't received any communication or verification of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Other debt) with NCC Business Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I moved out from a apartment complex following the proper procedures and never received any information that I owed anything until it popped up on my credit report that it was in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Prepaid card (Mobile wallet) with Blackhawk Network Holdings Inc. (CA).
Issue: Managing, opening, or closing account

Complaint: Reloadit blocked my safe ( a safe is what they call where $ is stored that you have transfered online from your cash purchased card ) for a random security measure check. 
I have to send a picture identification and the receipt for the card via email ( or FAX ) to them to release my safe. 
I would n't have known my account was blocked until I tried to use it. They do n't even notify you so you can have a chance to clear it up before you need to use it. They said they do n't call out and they never asked for my phone # when I was signing up anyway. They had my email but did n't notify me that way either. 
I did n't save the receipt for the card I bought ( cash ) at XXXX and XXXX has no way to retrieve a receipt without the date, time and what lane I purchased it in!! Who remembers those details?? 
So the {$380.00} worth of reloadit cards I purchased today and have n't loaded into my safe are unusable ( and un returnable to XXXX for refund in any case ) until I send in my photo identification and receipt from XXXX, which is impossible to get.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (NY).
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint: I canceld my card ending XXXX back in XX/XX/XXXX because I lost it I knew I would be recieving another direct deposit shortly and would need a new card as soon as possible. So i paid the {$25.00} to have my new card expidited. I received new card X/XX/2017. I have been receiving my normal deposit up until XX/XX/XXXX when I was not able to take XXXX dollars out of my account. I found out the next morning when I was able to get a rep on the line that my old card was charged {$1000.00} My account went negative {$720.00} I was told to file a dispute and this would all be taken care of within a day or so because it was clearly a XXXX up on their end. However I 'm still waiting on my money they have taking 2 checks from me my phone just got cut off today I 'm a single mom of XXXX kids who father passed away 2 years ago. We have been struggling for a week as a result of this and the only thing netspend has done was make broken promises and tell me that they understand

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 02-03-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: First, when my mortgage was first transferred to XXXX from another company it they cashed the first check but did not credit it to my account because I had originally paid the first mortgage company. This is my legal right to pay the old company within a certain number of days of the transfer of service. Second, when my mortgage was transferred to a new company XXXX Loancare stopped my automatic payment prior to notification. Also, they stopped it well before the allowable limit of how long I can still legally pay XXXX Loancare. When I finally found out, I was over a month behind on my payment with the new mortgage company. Luckily they did not charge a late fee. Also they conveniently backdated the letter that they sent me. Lastly, I have not received my tax statement for XXXX. This is normally not a big deal since I could typically go online and check the statement but they have disbanded my online account for some odd reason. Now they wo n't reply to my emails. The tax statement should have been provided to me prior to XXXX/XXXX/XXXX.

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