milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2015 about Credit card () with BARCLAYS BANK DELAWARE (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had my credit card number stolen in XXXX of 2015. It was my Carnival MasterCard through Barclaycard services of Delaware and the merchant of the charge is actually the one who phoned me the following day after it occurred and asked me if I made the charge, which I told him I did not, so I then proceeded to call my credit card company and explain to them the situation. They did immediately send me out a new card and number and at that time I thought and from the way they explained it that it would be resolved in a few days. On XXXX XXXX, 2015 I called them again because I noticed the charge was still on there and they basically said they had n't been able to reach the merchant which I have a hard time believing since it was XXXX. So I filed a complaint and was given a complaint number. It is now XXXX XXXX, 2015 and the charge is still on there. They told me on the day I filed the complaint that it would take 45 days to resolve and it is still not resolved. I have been a loyal customer for years with this company and have paid off my card in full several times, am always on time with my payments and this charge is still on my card. I find it ridiculous that this is occurring. I use this card a lot and I have never questioned a charge before and they are basically treating me like I am the criminal and I am absolutely getting nowhere with them. So that 's why I am writing to you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2018 about Debt collection (I do not know) with Allied Interstate LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: ALLIED INTERSTATE DEBT COLLECTION AGENCY IS CALLING 6-8 TIMES A DAY FROM DIFFERENT PHONE NUMBERS. MESSAGES ARE NEVER LEFT. WHEN I BLOCK THEIR NUMBER, THEY CALL BACK 15-30 MINUTES LATER FROM A DIFFERENT NUMBERCALLS ON X/X/2018XXXXXXXXXXXXXXXXXXXXXXXX

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 11/17/2016 about Debt collection (Medical) with MEDCAH, Inc. (HI).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a voice message on my work phone from MEDCAH on XXXX/XXXX/XXXX, attempting to collect a debt. When I called the number that was left by them from my cellphone, I informed them that they left a voice message on my work phone and I had to ask them what this debt was. The Medcah employee told me that it was a debt from XXXX XXXX from XXXX/XXXX/XXXX in the amount of {$87.00}. I told the rep that From XXXX/XXXX/XXXX til XXXX/XXXX/XXXX I have never received a statement from XXXX XXXX nor a statement from Medcah, she explained they sent a statement in XX/XX/XXXX. From XX/XX/XXXX til XXXX/XXXX/XXXX I have not ever received a notice from Medcah. I asked her to send me a statement and as of XXXX/XXXX/XXXX I still have not received a statement from XXXX XXXX or Medcah. I would not jeopardize my credit report for {$87.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sending emails, threating to sue and add additional charges resulting in jail time, calling non stop after XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar filed a 30 day late notice to all three credit bureaus after I was late in XXXX 2016. I paid XXXX 2016 and informed them that I would have to make a double payment in XXXX 2016 for both XXXX and XXXX. I followed through with my XXXX and XXXX payments on XX/XX/2016 and have been current ever since. Nationstar filed a 30 day late notice with the bureaus which has negatively impacted my credit score. Additionally, they called on me to refinance our mortgage since we have equity but declined due to my credit score which was adversely impacted by their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (I do not know) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.

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 10-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to work out my mortgage with select portfolio servicing for over 8 years now they refuse to give me an accurate accounting on my loan balace, they have refused to abide by the settlement they made with the federal goverment on the loan modification they were required to offer me. A princpal reduction, reduced payments and a at market interest rate. They now have told me my mortgage is discharged and there is only a lien on my property. I have proof of {$42000.00} paid to them which I am attaching. They allowed my home to go through a tax forclosure sale that i had to reedeem. I have attached proof. I have attached proof they ordered my locks changed on my home while i was in bankruptcy and under bankruptcy protection. As of 2 weeks ago the contacted my attorney with XXXX offers on my mortgage XXXX at {$130000.00} at 7.78 % interest with approximately {$100000.00} in princpal reduction the other option {$130000.00} at 3 % interest for 30 years with a {$140000.00} ballon payment at the end of thirty years. This is just bizarre I recived a call from one of there agents and was told i did not qualify for the goverment settlement that it expired and this was the best I could do. I told them that was not true and i was was being lied to again. There continued harrassement is effecting my life and health. This company continues to harass me and will not provide me or my attorney with answers. I dont no where i stand what is going on with my home. I want the lein on my home discharged or a proper mortgage with with credit for all payments made at a proper interest rate with all there phoney fees removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: I have been a Wells Fargo customer since XX/XX/XXXX. On XX/XX/XXXX, I had misplaced my wallet and was in need of cash. I went to Wells Fargo bank @ XXXX., XXXX, CA,XXXX to withdrawal {$40.00} out of my account and before I got into line I spoke to one of the customer service reps standing in front of the line and explained my situation. The rep proceeded to tell me without my ID they would not allow me access to my acct. I explained that I misplaced my wallet and did not have my ID and the rep again told me there was nothing they could do. 

As an individual who has worked in the financial services industry for over 20 years I am fully aware of how to verify a customer 's identity without an ID. I then called the XXXX customer service number and informed them of my situation the rep stated without an ID, I could not access my funds and then told me to " borrow money from someone ''. I demanded to speak to a manager and was transferred to a " XXXX '' who refused to help me and transferred me to another dept. and after being placed on hold for over 30 min, I spoke to some individual by the name of " XXXX ''. This person refused to help me and would NOT escalate my complaint or issue any further. When I told XXXX that there are a number of ways to verify my identity, such as : signature card, last four of SSN, security questions, transaction history, mother 's maiden name, DOB, address ... .etc., XXXX refused to admit that those were valid forms of ID. When I asked her " if that was the case, what 's the point of having a Sig. Card, security questions, or tokens?? '' she refused to answer and then hung up on me. 

I HAVE BEEN DENIED ACCESS TO MY FUNDS AND WELLS FARGO REFUSES TO HELP ME. 

Also, when I go to branches to make withdrawals, I AM NEVER ASKED FOR ID other than my PIN.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Global Lending Services LLC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXXand it is affecting me getting credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Since XXXX XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XXXX XXXX. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status XXXX XXXX : a ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXXXXXX XXXX Acct No. XXXX TRANSUNION : a ) XXXX XXXX Acct No. XXXX Sometimes between XXXX XXXX to XXXX XXXX, XXXX XXXX claimed I had an outstanding debt of {$2500.00} and misrepresented to the major three credit bureau ; in which I disputed. I was not aware nor did XXXX XXXX advised of the outstanding debt! The 60 months term commenced in XXXX XXXX and terms ended in XXXX XXXX. The conducts by the three Credit Bureau and XXXX XXXX XXXX is a clear violations of the FCRA.

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 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have been charged a late fee for the last three months, even though I made my payments of the due date. Your bank has changed the time, or began to enforce the time the payment was due to XXXX. I was never notified of this change and I made the payments on the date they were due. Three months of late fees were incurred, damaging my otherwise good credit. I want U.S. Bank and the C.P.F.B. that this is a predatory action. The date the payment is due is the date that it is. I do not believe the day ends at the time that U.S. Bank states. I do not get out of work until XXXX and it is still the same day as when I went to work. If I had known that at XXXX it became the next day, I would have made the payment the day before. Why would I want to pay a late fee for three months in a row when making the payment on the day it was due? I have been a good customer to U.S. Bank for many years through the XXXX card and these actions make me question the good intentions on U.S. Bank.

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 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have several creditors who pulled my credit report without my permission. Experian wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries. Experian is also asking for a personal statement to remove the hard inquiries. There is no process to remove fraudulent hard inquiries on credit report on their website or by phone call. Spoke with customer service and supervisor at Experian, they will not provide evidence that the creditors pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditors and getting a letter but they will not do the investigation themselves nor provide evidence that the creditors pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with Experian. I do not feel that I should have to contact creditors, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD E DELETED ASAP Thanking You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NH).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016, our home was flooded after a pipe froze. We filed a claim with our insurance company. They in turn released checks in my name and in the mortgage company 's name, NationStar. I contracted with XXXX separate contractors to conduct the repairs. NationStar deposited the check and, after sitting on the money for XXXX months to presumably earn interest on it, released a portion of the money to XXXX # XXXX. XXXX # XXXX conducted their work and submitted a bill on XX/XX/2016 for {$18000.00}. The mortgage company is refusing to pay XXXX # XXXX because XXXX # XXXX has not completed their work. Late fees and interest will begin accruing on XX/XX/2016, and yet the mortgage company is still refusing to release any money to XXXX # XXXX, whom has finished his work. I have spent dozens of hours on the phone with NationStar speaking to several representatives as well as a " XXXX '' without success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I recently payed off XXXX my loans with Sallie Mae. I went online to access my account. I selected the loan I wanted to pay off and payed the loan off completely. I received a receipt as well as information showing my account was at a XXXX balance. A few days later my account shows that I have an outstanding balance. Upon calling in I was asked whether or not I payed off my account online or over the phone. The agent informed me that Sallie Mae has no way of displaying the full payoff amount for my loan unless I call in. When I asked her why online would display something different than the actual payoff amount she stated that the system does not allow them to show the payoff amount because that I accrue interest daily for my loans. It does n't make sense for me to pay daily for interest when I have a set interest rate that I am suppose to be paying monthly for interest. This was something I was not aware of. When I asked her how much interest daily am I being charged on my loans her answer was anywhere from {$1.00} to {$2.00} a day on top of the amount owed. How is anyone ever suppose to pay off their loans accruing interest to that magnitude. Whenever I have payed a balance off with any financial institution the amount on the statement was the payoff amount. As long as this amount was paid by the due date no other money was owed. This is not fair and is ripping individuals like myself off. That means even when I pay the statement off I will always be charged for interest for however many days has passed. There is not a day where I am not accruing interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Closing on a mortgage

Complaint: Prior to buying my house on XXXX, XXXX, 2013, my rate was locked in at 3.80 % with Wells Fargo. I bought a XXXX XXXX XXXX XXXX home, and only needed to put 3 % down. With all said and done, I ended up walking away with {$890.00} at closing for credits and other items. 

As my closing date got closer the mortgage agent kept increasing the rate because of numerous reserve requirements and fees. One increase for .125 % was for a reserve requirement that was supposedly short by {$110.00} that they would cover and increase my mortgage rate. I asked if I could go cash my change in at the bank and deposit it to cover it, and he said no as he needed a monthly statement showing the amount and would not have time for next months statement before closing. Incidentally, .125 % at the original {$160000.00} mortgage for just one year is {$200.00} in interest. There were a few other reasons, but at the moment do not remember all of them. Nonetheless, I felt pressured into saying yes to the increases or I would not get the loan. At closing the interest rate was now 4.25 % with all the extras he " had '' to add on.

Then, when closing day came around, the agent and the underwriter were both hard to get a hold of, and we had to push closing back two different times. Finally, on the 3rd try, we signed and reviewed the papers in 30 minutes, as Wells Fargo notified us at XXXX that the papers were finally ready, which left little time to get the lawyer and title company sufficiently ready. It gave me little time to double check my mortgage or even question anything. As a first time home buyer, I felt as if I was taken advantage of. 
With all said and done, I ended up walking away with {$890.00} at closing for credits and so forth, which made the interest rate increase seem even more suspicious. The whole process seemed somewhat abnormal, and feels like it was predatory lending now.

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 02/19/2018 about Debt collection (Other debt) with SUNRISE CREDIT SERVICES, INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: i switched from using XXXX XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. i got a collection call from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX claiming that i owe XXXX XXXX XXXX {$1200.00}. i explained them why i only owe {$800.00} anc they settled the debt with me for that amount in 4 payment. i've paid it in full by XX/XX/XXXX. on XX/XX/XXXX ive got a call from sunrise credit services claiming that i owe them {$400.00}. i explained them that i setteled the account with gatestone and that i dont owe them anything.now theyre reporting the item on my credit report and even when i call them and offer to pay ( a debt that i dont owe! ) theyre not willing to remove it from my report and saying the damage is done no matter what we'll keep hurting your credit score.i dont know what else to do ive called them over 6 times offering to pay whatever balance they think theyre owed but theyre not willing to remove it from my report and are reporting debt that is not mine.

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 09/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Back in XX/XX/XXXX I disputed a debt from Midland funding on the account XXXX. Once verification was received I requested the account taken out of dispute. I have sent multiple letters and have made multiple phone calls to remove the dispute and dispute verbiage form my credit report. Each time I am assured the dispute is removed only have it placed back on my credit within two weeks. Each time I call Midland funding I am told the dispute was added due to the credit bureau. So therefore a few weeks ago I had one of the credit bureau 's call three way with me on the phone on a recorded line that Midland should be able to provide. They verified to the credit bureau the account was not in dispute. Yesterday the dispute verbiage showed up again and again Midland told me it was the credit bureau and specifically referenced XXXX. I called and spoke to XXXX at XXXX who confirmed it was not her company that requested it. She then saw all my contacts and suggested I file a formal complain through the FTC. I have been told this is a way to hold my credit hostage to try to get me to pay the debt because the company knows that due to new FHA guidelines a dispute will hold up a closing of a home. This should be an illegal practice. Per XXXX they have once again removed the dispute and I have once again put it in writing for Midland Funding that this account is NOT disputed. We went through a tragic circumstance with my son who is now on hospice and this continued stress inflicted by this company should be dealt with. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Debt collection (Private student loan debt) with Ability Recovery Services, LLC (IL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Amount {$400.00} owed and made last payment on XX/XX/2017 representative very disrespectful demanding if I had funds to pay for a payment i said no she kept asling when i will have payment then hangs up in my face

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