milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Barclays Credit Card has an unpaid account and its ruining my credit. I never knew about the account, I never received a credit card, I never received bills from them, I never knew it existed until I ran my credit. I 've contacted them several times they will not give me the account number they will not let me have the invoices for the charges. I do n't have any credit cards on my report that I 'm not paying on. I certainly would n't have a {$500.00} credit card and not pay on it. But here I am fighting for my credit and they are charging me {$670.00} they closed the account for non-payment because I never knew about it. I just want it deleted from my credit report asap.

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 08/16/2015 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Other fee

Complaint: my business acct was closed on XX/XX/XXXX no one had permission no one sees i was lied to regarding the waiver that was never put on that should have been each time i got a script about the rules about fees. not right. 
i want the account without a fee for XXXX months this time wihtout being lied to. i dont want a script read to me. i want to see if anyone sees how i was lied to in XX/XX/XXXX. about a waiver. it never stiuck i called each month taking my time up with no recognition here about a lie i was told that should not have been. 
that is not good business. i will not pay a fee please make sure one is not billed for XXXX months in deference to the above. without a script. my account was closed by an XXXX with no permission to do so or cause. i want the waiver. i am contacting the CEO answer this without a script and show true analysis and understanding of the above STOP the form letters as the matter has not been handled at all as of now not properly. so dont refer to earlier letters

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (WA).
Issue: Account opening, closing, or management

Complaint: visited a Chase branch to exchange {$10.00} in bills for a roll of quarters. was asked it I was a Chase customer and when I said no, they refused to provided that service. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been having trouble with Fifth - Third for the past three years. At XXXX point, they were fraudulently trying to foreclose and only through contacting EVER BOARD MEMBER we could locate through email did we finally get help. We have asked for loan help only to have our payment lowered XXXX a month, and we were told we no longer receive monthly statements, and after several requests for an amortization and payment booklet or SOMETHING showing our details, we have n't received anything. We were also given a direct address to send payments to only to have them sent back 2-3 weeks later saying they did n't know how to apply the money?? In the meantime, they 're saying we are in default. This is the SAME EXACT THING they did to us less than two years ago. How do we stop this and get the information from them that we need? We also have yet to receive our paperwork for our taxes this year. Thank you for your time and help!

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Account opening, closing, or management

Complaint: I opened an account with PNC Bank. My ATM card was stolen and used fraudulently. I was unable to get a police report because it happened in a different city than were I live and my local police dept would not assist. The police dept where the offense occurred also could not assist because the crime had already occurred and I was out of the city. It was a mess and I could n't figure out how to resolve it. While still in conversation with the branch manager - PNC abruptly closed my account. Now it 's a negative " SUSPECTED FRAUD ACTIVITY '' on my XXXX report. The total due is {$1900.00}, which is ridiculous and incorrect. But my hands are tied because they closed the account so there 's nothing to dispute. They already sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been trying to dispute this debt on my credit report from a company called Trident Asset Management,, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX, I have called the number to inform them that this is a fraudulent account but their number is disconnected. These people do n't answer. I have been trying to dispute this with XXXX but XXXX claims to have verified this debt as mine which i do n't see how they verified this. I was never notified of this debt that has been on my credit report in writing or by mail. I have asked XXXX to provide me how they verified this and they can tell me it 's done electronically. I do n't even know what this is and never had an account with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A delinquent mortgage belonging to my estranged husband was added to my credit report on XX/XX/XXXX by Loan Care ( XXXX ). I am not nor have ever been a Co-Borrower or Co-Signer on this account. He has had this loan since XX/XX/XXXX. Now that he is delinquent Loan Care has reported this account illegally to my credit report. My score has dropped 70 points. I called to discuss on XX/XX/XXXX when I discovered this error and was told the first time that this was not their error and that I had to dispute with the credit bureaus myself. I called again on XX/XX/XXXX and was told that I was not in their system as being on the loan and to submit an email to customer service. I submitted an email on XX/XX/XXXX along with 2 Credit Reports showing the negative account on my credit reports where I was listed as a joint mortgage holder. I received a generic response with a ticket number. I called on XX/XX/XXXX and was told that because I was not on the loan as a co-signer or co-borrower they could not discuss with me. If no one from Loan Care will speak with me or acknowledge that there is an error how do I get this delinquent mortgage off of 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 12-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX after hearing about the Public Service Loan Forgiveness program, I spoke with XXXX XXXX ( which is now Navient ) and requested that my student loans be consolidated and set up in order to qualify for the Public Service Loan Forgiveness program. It took multiple calls to XXXX XXXX and was a very frustrating process, often the XXXX XXXX representative that I would speak with was confused about the program and did not know how to proceed. After multiple calls I was told that my loans had now been consolidated and would meet the criteria for PSLF as long as I made 10 years of qualifying payments. 

In XX/XX/XXXX, after making 10 years of payments I have attempted to qualify for the PSLF only to be told that XXXX XXXX never consolidated my loans appropriately to meet the terms of the program.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Requested an investigation regarding the incompleteness and accuracy of XXXX. Equifax has continuesly reported infomation that is incomplete and inaccurate. The account was opened in XX/XX/XXXX, The credit report shows missing payments from ; XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX This is a clear violation under FCRA sec 623, all information must be complete accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Taking out the loan or lease

Complaint: I purchased a vehicle from Wells Fargo in XXXX. My payments were 74 months which my car would had been paid off in XXXX. Wells Fargo state my last payment was received in XXXX. Wells Fargo states there was a balance of XXXX, but never received letter and this is now XXXX and I still have the car in my possession. Wells Fargo sold the account to XXXX XXXX, then to XXXX, and now XXXX claim they purchased the account in XXXX. I never received any mail and thought my car was paid off until XXXX someone hit my car and insurance still listed Wells Fargo as the lien holder. I called Wells Fargo and the lady was like you still owe XXXX and something, I ca n't remember the correct amount. I sent the check of XXXX from the insurance and XXXX in XXXX. Never received my title. I have a car that I do not need for some years and want to get rid of it. I called Wells Fargo for title and they said to call the people who the account was sold to. Called all the places listed in statement. Superlative wanted me to pay XXXX and I asked what happened to the money sent and told the guy XXXX, I have the receipts and need my title. Keep in mind this is not on my credit report never received mail from these people but yet they have my title. This vehicle is a XXXX in my possession and I told the guy if I still owed on this car why Wells Fargo never repossessed the car back in XXXX.I finally called XXXX back and told the guy I am seeking an attorney then he said yes a check was received in XXXX and I asked why it was not deducted from the amount owed. Keep in mind I am getting different amounts. The gentlemen at XXXX now want to investigate, but he hung up on me just as the other guy at XXXX did when I started asking about the money sent in XXXX. I am tired and just want my title because this is longer than 7 years and I need my title. They keep selling the account and no one is checking into nothing. Please help! I hope other people are not getting ripped off.

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 02/17/2016 about Debt collection (I do not know) with First National Collection Bureau, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I got a letter through U.S. mail from First National Collection Bureau , Inc ( 1st letter i 've rec 'd ) stating i have a {$11000.00} debt. They are offering a XXXX % discount on that debt if i make XXXX payments of {$180.00} w/each payment within 30 days of the previous payment. They threaten that unless i notify them within 30 days of receiving the letter that i dispute the validity of the debt then they will " assume '' the debt is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Other

Complaint: I took out a credit card about 10 years ago through Providian Bank. I became XXXX a little while after and could not repay the debt. I received a phone call today from a company that said they were trying to serve me papers for a civil suit. Providian is suing me for defrauding a financial institution and theft of goods. Is n't there a time barred issue? I received a letter that said Providian was cancelling the debt but was told that the letter was for a MasterCard and I 'm being sued for a Visa card. I have not been served the papers yet but someone called me to see if I would be home.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Marlette Funding, LLC (AR).
Issue: Charged fees or interest you didn't expect

Complaint: These people are robbing me and I 'm sure others as well. My credit is in the mid XXXX and I got a loan fromXXXX XXXX XXXX for {$7200.00} and I make monthly payments of {$230.00} and I called to see why my balance is still {$7100.00} the said the out of the $ XXXX monthly payment only {$65.00} is going towards my principal but I got my loan in XXXX 2017 and the is now XX/XX/XXXX so the balance is inaccurate and needs to be corrected along with this company is over charging people and need to shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan servicer, Great Lakes Borrower Services, has engaged in practices that I believe to be deceptive, in bad faith, and of a harassing nature. I recently attempted to re-enroll in my income based payment plan. I received several notifications from Great lakes that my application was incomplete. Over the course or numerous telephone calls I rectified the " issues '' they highlighted with my application. During numerous telephone calls with Great Lakes, I was assured by their customer service staff that my application was complete and that I would not be required to provide any additional information. Shortly thereafter, I received an email from Great Lakes with my updated payment information for the upcoming year. Subsequent to receiving the updated payment information, I have received no less that XXXX emails from Great Lakes indicating that my application is not complete. Today I received a " final warning '' email. After receiving the first few warning emails, I called Great Lakes and, on a recorded line, was able to obtain verbal confirmation that my application was approved and that the emails I was receiving were sent in error. In fact, I received an inbound phone call from Great Lakes indicating the same. Never the less, I continue to receive emails from them on a weekly basis stating that my application is complete. I have given up on calling them to ask that they cease sending these emails as it takes at least XXXX minutes to get a live operator on the phone as every time I am required to re-confirm my address, contact details, etc. For less informed borrowers, these emails would create a great deal of distress and frustration. I think that Great Lakes should be warned that these practices are not consistent with their ultimate goal of servicing the loans of the XXXX of student loan borrowers across our country.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Other debt) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The collection age ncy Collection Services of Athens failed to validate this debt. A bill statement does not obligate me to pay nor does it validate debt. The y did not produce the documents establishing liability to them. In  US la w encyclopedia,  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX . Sections  XXXX  ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. I submitted a debt validation letter to  Collection Services of Athens b ack on  XXXX  and I received a bill which does not equal validation. I have disputed this with  XXXX  and they stated that the debt has been verified which is inaccurate and inval id. Co  llection Services of Athens h as not properly validated the debt within the 30 day time frame and are continuing to reporting invalid and inaccurate information on  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 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: XXXXThis loan was paid off. Reinvestigate and erase please.

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 08-04-2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XX/XX/2017 , I sent a letter to the credit bureau requesting an investigation of an account in collections that I saw on my credit report that does not belong to me. The credit bureau replied that they verified the account. So I send a letter direclty to the collection agency asking them to please send me the signed medical documents for this debt that is not mine. As of today  XX/XX/2017  I have not received a response from the collection agency, however the account is still listed on my credit  report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX items on my Experian Credit Report that must be removed this month in accordance with federal law. I filed Chapter XXXX bankruptcy in XXXX XXXX, and the seven year window tolled from that date. There must be no reference to any bankruptcy on my credit report after XXXX XXXX. 

Moreover, Experian acknowledges this via the link : XXXX Dear XXXX, A Chapter XXXX bankruptcy remains on your report for seven years from the date it is filed. It will be listed in the public records section of the report. 

Accounts included in Chapter XXXX bankruptcy that were current prior to the bankruptcy filing remain on your report for seven years from the bankruptcy filing date. 

Accounts that were delinquent prior to being included in the bankruptcy will be removed seven years from the original delinquency date of the accounts. 

In some cases, an account may be reaffirmed, meaning it is no longer part of the bankruptcy filing. Reaffirmed accounts will be reported just like any other open, active account. 

Thanks for asking. 
The " Ask Experian '' team

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Other debt) with C&F MORTGAGE CORPORATION (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: C & F Mortgage Corporation and/or XXXX and XXXX XXXX XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) husband and wife as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximately XX/XX/XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XX/XX/XXXX, the officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXX-XX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX Descendant 's hereby certify by Champion Member, XXXX XXXX XXXX ( granddaughter ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 ) The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX Descendant 's. Therefore, the XXXX XXXX XXXX XXXX Descendant 's hereby declare that C & F Mortgage Corporation and XXXX and XXXX XXXX XXXX XXXX, Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( 4 ) The XXXX XXXX XXXX XXXX Descendant 's were not provided access to copies of the consent order entered by the Court in the United States v. C & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, husband and wife and/or XXXX XXXX XXXX XXXX Descendants. The descendant XXXX XXXX XXXX is a resident in XXXX & XXXX County, however, the response in the prior closed complaint by C & F does not reference that action taken against XXXX XXXX XXXX or her property by officers, employees, successors, etc. of C & F or the XXXX XXXX heir property belonging to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a XXXX Card thier were some issues with the card so I made an agreement to have the card cancelled and pay the debt off, I did so. Now it is showing up on my credit report as a COLLECTION. I have no idea how this happened when I honered the agreement I had with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (WA).
Issue: Money was not available when promised

Complaint: On XX/XX/2017, I executed a wire transfer deposit from my bank account at XXXX to Coinbase, Inc. in the amount of {$50000.00}. Coinbase states " Bank wires often arrive the same business day if sent before the cut off time for your bank, otherwise they will arrive the following business day. '' I still have n't received the money in the Coinbase account. 

After numerous attempts to engage their web-based support portal, all I got was a few automated or completely meaningless responses with no resolution in sight.

Company response to consumer: Closed with explanation