milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2016 about Debt collection (Medical) with Continental Credit Control (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, XXXX, I had a XXXX at a facility calling themselves XXXX XXXX ( located in XXXX, California ). Prior to undertaking this medical procedure, I was informed that my total out-of-pocket cost would be {$120.00}. I agreed to pay this amount and was charged the same following the completion of the procedure, which I promptly paid in full using an XXXX XXXX card issued in my name. On XXXX XXXX, XXXX, I was contacted by an organization calling themselves XXXX XXXX ( also based in XXXX, California ) that claimed I owed {$350.00} for the aforementioned medical procedure and that no payment had been received either on the day of the procedure or in the subsequent four months. After several attempts ( by mail and phone ) to contact this organization went unanswered, I was finally able to speak with a representative of this organization at length in XXXX XXXX and it was agreed by both parties that my payment of {$120.00} on XXXX XXXX, XXXX had fulfilled any financial obligation that I had with XXXX XXXX and that there would be no further attempts to collect the non-existent debt of {$350.00}. And, after not receiving any further notices from XXXX XXXX for over 15 months, I assumed that the dispute had been resolved and the case closed. However, on XXXX XXXX, XXXX, I received a notice from an organization calling themselves Continental Credit Control ( based in XXXX XXXX, California ) in attempt to collect {$400.00} ( or the original {$350.00} debt plus interest of {$59.00} ). At the time of writing this correspondence, over 20 months have passed since the medical procedure in question was performed and I am somewhat perplexed as to why I am still being contacted concerning a debt which I do not owe and would like to be assured that a final and binding resolution to this dispute can be achieved within the next few months.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Bank account or service (Checking account) with DISCOVER BANK (IL).
Issue: Account opening, closing, or management

Complaint: I applied for a checking account with Discover - twice now - and XXXX times the application was denied. During repeated telephone conversations Discover insists that A ) The decision to deny my application was made XXXX, not merely based on information furnished XXXX but ultimately made by Discover, B ) there is no way to manually review the application and grant an exception ... that it 's a system controlled process that is completely automated with no manual review possible and C ) It is not possible to provide a list of SPECIFIC reasons why the application was denied. I have been a Discover customer for many years now and this utter lack of concern and the pitiful customer service is very disheartening. Furthermore, on the more recent try, there is no record of a XXXX inquiry so the assertion that the decision was based on that is an outright lie.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: I am consumer who may have been victimized by collusion among XXXX industry regulated professionals from Wells Fargo Bank, XXXX and their chosen real estate appraiser. Please refer to the participants listed below that are subject to this CPFB complaint. 

Buyer/Realtor/Borrower ( same person ) made an offer to complainant to purchase a property. Complainant in this matter is also the Seller and a licensed Realtor selling his own property. 

Buyer and loan officer have a close and personal relationship. The same loan officer has represented to Seller that he has performed prior mortgage transactions for this same Buyer/Borrower in the recent past. 

Lender ordered an appraisal which was conducted on XXXX XXXX, XX/XX/2015. Indicated value was $ 60K below contractual purchase price in an otherwise very vibrant and thriving market where the subject property is located. Abundant supporting comparable sales data exists. 

The appraiser seemed to go out of his way to select very old and outdated and inappropriate comparable sales data in what appears to be in an intentional effort to drive the property value down. The appraisal report is attached to this complaint. 

Seller requested, in writing, that Wells Fargo Bank issue a challenge to the appraisal report. Complaintant also requested that Wells Fargo Bank arrange a customary supervisory field review. Wells Fargo did not act upon the Seller request. Instead, the Buyer/Realtor/Borrower insisted upon renegotiating the purchase price relying upon an obviously flawed and frivolous appraisal report. Seller/Realtor did not acquiesce. 

An egregious attempt was made to bring about intentional economic disadvantage to the Seller. 

There outward appearance of intentional collusion exists between the parties. 


Buyer ( also acting as her own Realtor ) XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Agent - XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX # XXXXWells Fargo Bank Loan Officer ( and personal friend of Buyer/Realtor ) XXXX XXXX Mortgage Consultant, XXXX ID XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX | Cell XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXXXXXX ( XXXX ) XXXX Appraiser Certification : XXXXComplainant : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit card () with DISCOVER BANK (NM).
Issue: Billing disputes

Complaint: On XXXX/XXXX/2016, I purchased a XXXX XXXX Desktop Hard Drive from XXXX. After trying a number of procedures suggested by both XXXX ( the manufacturer 's support website ) and XXXX ( the manufacturer of the computer into which Hard Drive was to be installed ) including purchasing XXXX more cables to 'piggy-back ' unit into my existing Hard Drive, and not achieving any results, XXXX suggested I RETURN the hard drive to XXXX , the merchant from whom I had purchased it. I called XXXX customer service and was assured they would send me a return label and I would get a replacement unit. XXXX NEVER mailed me such label, or a replacement unit, or issued a refund for {$84.00} ( price of unit and shipping ). I then contacted my Credit Card XXXX, DISCOVER, and filed a billing dispute XXXX, Case No. XXXX. On XXXX XXXX, 2016, I received correspondence from DISCOVER CARD, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, saying they were closing the dispute as " the transaction appears to be valid! ". Furious, I called DISCOVER CARD at their toll free number XXXX, and attempted to have their customer service reps address a number of issues. The first call got me thru " XXXX '' / '' XXXX '' who was flip, condescending and refused to put me through a GENUINE SUPERVISOR who could address the issue. He finally hung up on me while he had me wait for such a supervisor. I called back at the same number, and also got their Ohio Call Center once more, only this time I spoke with a " XXXX '' who made believe he could not hear me and finally hung up on me. DISCOVER CARD has been totally irresponsive, arbitrary, capricious, and outrageously callous. I 'm a XXXX year old XXXX XXXX Veteran living on a fixed income and {$84.00} for a XXXX LB PAPERWEIGHT which I was expecting to use as a Hard Drive in my desk top computer may seem trivial and petty to both XXXX and DISCOVER CARD, but for me it represents SUBSTANTIAL LOSS for something I 'll never be able to use as intended. I would like DISCOVER CARD to use their CORPORATE MUSCLE and force BESTBUY to send me a replacement WORKING UNIT, and a return label with which to return the defective unit, OR issue a CHARGEBACK to XXXX for selling non-working electronic parts and refusing to stand behind them through either replacement or credit for price paid. I have CLOSED OUT MY ACCOUNT with DISCOVER CARD after the very unpleasant experience, after paying them off in full on XXXX XXXX 2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a public record listed on my Experian credit file which is a FEDERAL TAX LIEN Docket # XXXX which is NOT mine it is my fathers I have never owed the IRS. This is very inaccurate information and untrue and I want this remove 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 non-monetary relief
Consumer complaint received 11-10-2016 about Debt collection (Medical) with Choice Recovery, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never been to this hospital I am a veteran I go to the hospital for free

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/22/2016 about Mortgage (Conventional fixed mortgage) with RABOBANK, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I made a mortgage payment to Rabobank for loan XXXX on XX/XX/2016 via postal mail but received notice from Rabobank on XX/XX/2016 ( dated XX/XX/2016 ) stating that the loan payment was past due. Upon researching the matter, Rabobank had not cashed the check ( number XXXX in the amount of {$1600.00} ). Therefore, I re-issued the check and walked payment into the nearest branch. I requested a late fee waiver and they refused the waiver saying that they had made no mistake. However, losing my check is a mistake and I should not owe a late fee for their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was breached by hackers and my personal information has been compromised putting me at serious risk of having my identity stolen along with 143 million other Americans. This personal information includes my name, birthday, address, social security # & driver 's license. It is important to keep in mind this is a company who I have never given consent to track or keep my personal information. The company failed to report the hack for months and to date has failed to contact me directly about the security breach and the risk to poses to me. I have had to take time-consuming ( and potentially costly ) measures to provide at least some level of protection for the company 's gross negligence. Their response has been completely inadequate. They need to do much more to make things right and I hope they learn from this experience and laws are passed to impose regulations to prevent this happening in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NC).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: The Barclay  XXXX  credit card advertises special online shopping cash back when purchased through the  XXXX  link and credit card. On  XXXX   XXXX ,  XXXX , I went through the  XXXX  website and visited  XXXX  to purchase a couch in the amount of {$860.0 0} ( ord er #  XXXX   ) a nd paid with the  XXXX  credit card with the expectation in receiving 10 % back through combined rewards. The 10 % cash back, valued at {$86.00}, was never received. I sent an inquiry to  XXXX  in  XXXX   XXXX . After an investigation, they stated I did not purchase the couch through the correct  XXXX  link.  XXXX  does not provide any sort of documentation when you go through their link so you can not provide any sort of documentation to prove that you have.

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 11/13/2016 about Debt collection (Credit card) with Malen & Associates, p.c. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Malen Associates must report the XXXX XXXX debts as having balance of " XXXX '' TO THE XXXX CREDIT BUREAUS. When XXXX XXXX hired Attorney Firm to collect their XXXX credit card money THAT I OWED THEM DUE TO DEFAULT AND MY UNEMPLOYMENT, surely XXXX XXXX has agreed that the Reporting Power to the CREDIT BUREAU will be given to the Attorneys, and XXXX XXXX would not FURTHER damage my credit. It seems that Malen Associates collected their fees from XXXX XXXX and have no responsibility to CORRECTLY REPORT THE OUTCOME OF CLEARANCE OF BOTH ACCOUNTS. 
HERE IS MY CASE : In XXXX, XXXX XXXX Bank with address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, phone ( XXXX ) XXXX, hired Malen Associates LLP ( attorneys ) with address XXXX XXXX XXXX XXXX NY XXXX, phone : ( XXXX ) XXXX to collect my XXXX credit cards debts that I originally owned them due to unemployment. XXXX XXXX was aware that I was on XXXX, public assistance and without income at the time of my default when they placed me in collection with Malen Associates. 
In XXXX XXXX, I negotiated the terms of my XXXX XXXX XXXX credit cards debts with Malen Associates attorneys. I PAID THE CREDIT CARDS PER OUR AGREEMENT with Malen Associates who had the agreement of XXXX XXXX, and WITH LOWER AMOUNTS THAN THE ORIGINAL. Once again, XXXX XXXX HAS AGREED to this terms. 
As of today, My XXXX XXXX BANK Account Number : XXXX .... and XXXX XXXX BANK Account Number : XXXX .... are reported at the XXXX credit bureaus as HAVING BALANCES. I disputed this reporting with the bureaus, and after investigation, XXXX XXXX XXXX reports the following : Account charged off. {$3300.00} written off. {$1700.00} past due as of XXXX XXXX and for the second credit card : Account charged off. {$1200.00} written off. {$550.00} past due as of XXXX XXXX. THIS are FRAUD statements! I paid the agreed amounts through Malen Associates Attorneys, and received letters from Malen Associates for the complete clearance of the credit cards with XXXX XXXX Bank. 
WHY DOES MALEN ASSOCIATES ATTORNEYS OR A LAW FIRM FOR DEBT COLLECTION ALLOWS THE XXXX XXXX false statements that I have unpaid balances? As of XXXX XXXX the balances are " XXXX '' and Malen Associates sent me a letter of clearance. WHEN XXXX XXXX is making FAULSE REPORTS to the XXXX credit bureaus THAT DAMAGES MY CREDIT further MORE. SUCH ACTIONS ARE PERMISSIBLE BECOUSE MALEN ASOCIATES ARE INVOLVED IN NEGLIGENCE COLLECTION PRACTICES AND UNFAIR, NO correct REPORTING or no reporting atall.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CA).
Issue: Struggling to pay mortgage

Complaint: Short Sale was started XXXX/XXXX/17 with PNC. This is the SECOND CFPB COMPLAINT I have had to file against PNC for this borrower. ( See attached ) Most recently, PNC has now decided to refuse to speak with us, XXXX XXXX XXXX, as an authorized third party. PNC has spoken to us several times prior to today, therefore this is clearly retaliatory for filing the previous CFPB complaint against PNC. 

Is PNC now deleting our authorization documents? 

This has got to stop. This is servicing fraud. It is illegal for PNC to reuse to speak to an authorized third party. It is illegal for PNC to make up laws stating they are no longer allowed to tell me what the value is, nor what the counter is, nor are they allowed to make outbound calls to me or leave voice messages because this " is in the state of California ''. Since when does the state of California have anything to do with PNC properly servicing their loans? NO SUCH LAW EXISTS!!!!! 

Were not real surprised considering PNC committed this, yet another, illegal act when they cut off funding for this home to be build.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (UT).
Issue: Deposits and withdrawals

Complaint: I deposited on XXXX XXXX, 2015 a XXXX check which was actually for services for the bank. I deposited the check in my Wells Fargo account on the same day. Because of the XXXX XXXX provisions, my bank had collected funds the next day. However, because of the way the law is written, Wells Fargo tells me that they can block my access to those collected funds for up to twelve days, which is what they have done. 

It defies believe that a bank, which exists at the pleasure of the government can bar my use of those funds or if allowing those funds can charge me an overdraft fee for funds that have already been collected for my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Mortgage) with McCalla Raymer Leibert Pierce, LLC (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: An attorney is trying to collect money deposited with the clerk of the court as compensation for the taking by the town of a small portion of the collateral property under eminent domain. The mortgage was discharged in bankruptcy in XX/XX/2011 and therefore the bank or its representatives such as this attorney may not legally collect these funds to pay down the debt. The mortgage holder had been previously contacted regarding this issue and advised me that they did not have a department to discuss legal issues with and that they were unable ascertain any course of action in the matter. Now that there is money to be had, they want to step in with their attorney and grab it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An unauthorized hard-inquiry was placed on my Transunion credit report today by  XXXX   (   XXXX  ) with the address P.O.  XXXX   XXXX ,  XXXX   XXXX , SD  XXXX  which corresponds with  XXXX  's address. I contacted Transunion ( the sole credit reporting agency which provided the hard inquiry to  XXXX  ) and they said I would need to get a letter of deletion from  XXXX  to forward to Transunion which is the only possible way I would be able to get the hard inquiry removed. I then contacted  XXXX  multiple times to ask for the letter of deletion as I did not authorize that hard inquiry and  XXXX  said multiple times that since they can not find any applications for credit in their systems which are connected to my social security number, they can not provide a letter of deletion for the hard inquiry. I then contacted Transunion again to let them know what  XXXX  said and Transunion once again said they can not remove the inquiry without a letter of deletion from  XXXX . I am currently stuck with an erroneous hard inquiry negatively effecting my credit report for the next 2 years that I did not authorize due to  XXXX  's unwillingness to provide a letter of deletion although they can not find an application tied to my social security number.  XXXX  's inability to locate any applications tied to my social security number should be even more of a reason for them to provide me with a letter of deletion as it appears  XXXX  pulled a hard inquiry on my credit report without any authorization ( legitimate or illegitimate ) whatsoever from anyone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have a new address, and I have difficulty getting the credit bureaus to change it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Advertising and marketing

Complaint: I took a hit to my credit bureau report for a deceptive reason : I went through the checkout line at KOHL 'S department store on XXXX and was asked if I wanted to apply for a credit card. I initially said no. Then was advised I could get 30 % off my purchases if I applied. I again said no, but upon thinking of the discount I would receive off my {$160.00} purchase I then was convinced to apply. Upon being approved and final checkout, I noticed there was no discount. I inquired and the manager or lead came and gave me a {$0.00} discount as you can see from the receipt I included in this email. I was then told you ca n't get a discount on Levi jeans. The cashier is then co-signing this information. This strikes me a surprising that the cashier is now telling me this information as XXXX out of XXXX of my items are Levi jeans. Unhappy with this the manager/ Team lead person reminds me I did get 30 % discount off the {$2.00} shirt. Still unhappy and voicing my opinion about it. She then tells me " If I do n't want the card I can just pay for it all with another method of payment '' I then proceeded upstairs to return all the merchandise. I think it should be noted of this UDAAP violation as it would be a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Consumer Loan (Installment loan) with HSBC NORTH AMERICA HOLDINGS INC. (MA).
Issue: Managing the loan or lease

Complaint: We took out a XXXX balloon equity mortgage which was due to mature in XXXX. We paid interest only and the principle was due upon maturity. According to the contract, HFC ( XXXX Beneficial Finance ) was to send us notice 90-days prior to maturity. While we never received that, we thought, maybe it was a XXXX loan which would mature at the same time as our first mortgage, but never questioned it. We were tricked into paying this for an additional 6 years because we were consistently being billed. When they contacted us for the principal, in XXXX of XXXX, they informed us we had until XXXX, XXXX to pay it. ( Thus the XXXX notice. ) I was able to locate all of the original documents at which time, I noticed it should 've been called in by the company in XXXX, XXXX! I want all of my overpayments refunded to me! That was 6 years in interest charges. It amounts to almost {$40000.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The school let me accrue alot of debt charged me for a class I tested out of, Plus I tried contacting them many times about accruing a debt I can not afford due to I am currently homeless. They hangup on me alot, and if they dont then they always say there is nothing they can do for me.

Company response to consumer: Closed with explanation