milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/XXXX, I checked my credit card transactions for my Barclays Card on-line and saw a charge that I had not made. I contacted the credit card company and told them I thought I was the victim of fraud and they agreed to remove the charge and investigate it. When I got my statement a few weeks later, I saw another fraudulent charge. I called again to report it and they agreed to cancel my card. I complained that the second fraudulent charge could have been prevented if they had responded to my first complaint and cancelled my card then. I then asked if they had experienced a security breach because I had not lost my card and it had not been stolen. They admitted that they had, but would not give me any details about the breach. They could not refer me to anyone who could give me that information and whether I was at risk of more identity theft. When I asked to complain to a supervisor I was put on hold for an extended period of time and finally had to hang up. The fraudulent charges on my account were very obviously fraudulent. They were for much larger amounts than I usually charge and made at stores far away. I believe that Barclays should have been able to identify the fraudulent charges themselves and should have made an effort to do so, particularly because they had experienced a security breach. I believe they had an obligation to let cardholders know about the breach so they could protect themselves from further identity theft. I was appalled that they seemed to feel no sense of responsibility and did not act proactively and to expose me to further identity theft rather than let me know there was a breach.

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 11-01-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX XXXX XXXX XXXXXXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Taking out the loan or lease

Complaint: Santander Consumer USA. I purchased a vehicle through Santander USA in 2012. I have made XXXX payments of XXXX and still owe XXXX. The payoff amount changes from day to day. They are staying that I owe XXXX. ( + ) in late fees! How is that? They could not give me a proper answer. I do not understand how I have made payments of XXXXand the principle has not decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (VA).
Issue: Settlement process and costs

Complaint: My mortgage lender, Planet Home Lending, contacted me about refinancing my existing VA Home Loan. I decided to pursue a cash-out refinance with Planet Home Lending and during the closing ( XXXX XXXX, 2015 ), I was made aware that the money in my current escrow account ( $ XXXX+ ) would be used to pay my real estate taxes ( due XXXX 2015 ). During the closing, I noticed I was charged another {$4100.00} for escrow to pay the taxes ( due XX/XX/XXXX ). I called the loan officer ( XXXX XXXX ) and he informed me that it 's imperative to get the loan closed, and he would research the issue and get me my refund of the Escrow. To date, Planet Home Lending has paid me {$240.00} ( balance between taxes due which was {$3200.00} and the total amount in the escrow which was {$3400.00} ). However, they charged me the {$4100.00} to pay the taxes again and they have flat out refused to refund my escrow of {$3200.00}. To make matters worse, I am paying on a loan that includes the additional escrow amount that should be refunded to me. I really need help resolving this issue.

Company response to consumer: Closed
Consumer complaint received 02/19/2016 about Consumer Loan (Installment loan) with Social Finance, Inc. (TX).
Issue: Shopping for a loan or lease

Complaint: while shopping for a debt consolidation loan i applied at multiple institutions, till SOFI conditionally approved my application, this happened in XXXX. towards the end of XXXX i had to fix a problem with a document, after multiple calls trying to get my application looked at they told me the same thing the person was not at work. two weeks after i called every day so i could get it finish. today after my call they told me i was declined due to inquiries on my credit, since it took the a month and a half i got declined due to other applications i put in while waiting for Sofi to process mine. in short due to exceptionally poor service i received my time was wasted, costing me time and money. i feel like i was discriminated against due to my amount of contacting this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with Terrill Outsourcing Group (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was originally contacted over the phone by XXXX XXXX  to make arrangements to collect a debt. ( I did not record the date, but it might be over 30 days ago. ) When they told me the amount and what it was supposed to be for I was sure it was n't my debt. They had my SS #, my married name ( though that is no longer my legal name ), a birth day that was close to mine, an email address I 've never used, an address and an employer that were mine, but from the XX/XX/XXXX. 

The company the lease was from was XXXX XXXX XXXX XXXX but i do n't know if that was a brick and mortar store or something online. XXXX said they did n't know either. The Leasing agency was XXXX out of NH. XXXX is out of CA. I live in Indiana, but not in the city that was used on the paperwork. I have n't lived there for almost 20 years. 

After explaining all this to a supervisor at XXXX XXXX I was told that I 'd have to dispute the debt and that they 'd send me something that I needed to respond to in 10 days. They did not send me anything in the next couple of weeks, and unfortunately I had not copied down all this info so I did n't know who to contact. 

Then I received a packet of info from XXXX that seemed to just be a copy of the debt they bought. It said our offices are " in receipt of your dispute '' but be advised we have contacted our client XXXX XXXX XXXX XXXX who has confirmed the name and address listed on the account as well as the amount owed '' There was a toll free number from XXXX which I called. It was late in the day on Friday after XXXX. I got a very confused sounding man with a foreign accent who said I had to call XXXX instead. ( Though XXXX has sold the debt. ) I called and left a message. 

Today XXXX called and was very insistent that the debt was mine and I was just trying to shirk my responsibilities. I asked repeatedly to speak to a supervisor but was told it would not do any good because they knew it was me and I needed to stop lying and just pay. That isnt word for word, but is the jist. Eventually they let me speak to someone who acted more reasonable but told me I had to file a police report and send them a copy. 

I contacted my local police who told me that was n't how it worked and told me to have the XXXX call him. I tried calling back with that information but was put off until later. 

I do n't know what else I should be doing. Do I need to file reports somewhere else? Do I need to contact credit agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (Medical debt) with Komyatte & Casbon, P.C. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I already reached out to the credit bureaus and to this company to notify them of their errors. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. When XXXX XXXX XXXX XXXX did not send any response to my correspondence, I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (IN).
Issue: Credit decision / Underwriting

Complaint: When applying for a mortgage through Quicken loans I was misadvised by the underwriter XXXX XXXX. During a telephone conversation XXXX advised that I would need a letter or relocation in order to continue with the loan. I told XXXX I would not have that for some time, since I was not relocating for 6 months. XXXX advised me to replied to his email and state what we discussed on the phone and outline my relocation. I did so only to receive an email from him that Quicken needed this on company letterhead. I reluctantly troubled my boss for the letter and sent it to XXXX. XXXX then replied that the letter needed to be signed. I again troubled my boss to sign the letter he had drafted. I feel that the underwriters should know the requirements of the documents that they are requesting. I feel that XXXX was just guessing, this caused frustration and wasted my time, my boss 's time and XXXX 's time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted XXXX multiple times and even contacted the creditor of the multiple inquiries showing on my credit file. I have not gotten a response from the creditors and it has been over 30 days. I contacted XXXX at the beginning of this month regarding the inquiries and the representative I spoke with told me they CAN NOT dispute inquiries which is untrue as I have disputed inquiries before. He stated I needed to contact the creditor and I let him know I did that and they have not responded back to me. He stated that inquiries are factual records & will remain and I explained to him they are not factual and how can you tell me that if you havent even started a Investigation to look into my situation. XXXX customer Service has went down hill and they DO NOT help their consumers in any way. They in no way have validated the inquiries as factual and I deman they be removed!

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 11/22/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have no recollection of this collection. ARS. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo has withdrawn a $ 30 monthly fee from my checking account since XXXX 2014 without my permission. I have only recently been made aware of the withdrawal. Wells Fargo insists they can only credit me for 90 days and will not return the remaining balance of {$150.00} to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was never notified of the debt by the original medical office. I believed the sum in question was to be paid by insurance. My first notice of the sum due arrived from a debt collection agency, with a threat to notify credit bureaus. 
When I called the medical office, their automated service told me there was no balance owing.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MD).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was upset once I reviewed my XXXX XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due XXXX2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Risecredit, LLC (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dont reganized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Auto debt) with COOLEY ENTERPRISES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX {$19000.00} disputed this car loan with XXXX XXXX automotive and even went as far as obtaining legal representation to have this loan that isnt mines removed from my credit report. XXXX XXXX deleted it and reported it back on my credit which has resulted in lowering my fico with a false credit reporting that doesnt belong to me.

Company response to consumer: Untimely response
Consumer complaint received 11/16/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Making/receiving payments, sending money

Complaint: I have been a customer of Wells Fargo for over 30 years. I have been patient with Wells Fargo Up to now. I wrote a check to the XXXX in XX/XX/XXXX for XXXX. The check processor folded the check and the XXXX was paid XXXX dollars. I found out in XX/XX/XXXX when The XXXX send me a demand notice plus interest for my delinquent payment. I understand that it was an error and the Bank would take care of it. I went to my local branch and worked with a banker there. We worked it out, or so I thought. She made a transaction correction and debited my account of XXXX. XXXX XXXX # A XXXX ) XXXX month later I get a demand notice from the XXXX looking for their money. 
I call the XXXX and they say we have not received the funds. 
I go back to the branch. The money from my account is sitting in a frozen account waiting for the XXXX to demand the money. I call the XXXX and they say we just want our money. We do not have the time or resources to call Well Fargo. I made another call to Wells Fargo and they referenced ( XQR XXXX ). I called a few minutes ago and the Wells representative XXXX said she would escalate and get back to me in XXXX business day. I am caught in a nightmare. The XXXX may put a lien on me. This is not how Wells Fargo generates trust. Your process is broken. Please let me know what you intend to repair this horrible situation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Medical) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Collection Services XXXX XXXX XXXX, MA XXXX you call this XXXX ( XXXX ) XXXX and they ask for your number to access your account and then they hang up the phone. This happened to me twice when I called. Can something be done about this?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Address still incorrect. Also listing two additional addresses that do not belong to me. 

Please remove XXXX XXXX from address. This is a single family residence. 
Please remove XXXX XXXX - Never resided there. 
Please remove XXXX FL - Never resided there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2016 about Debt collection (I do not know) with CITIBANK, N.A. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/2014 I received several letters stating that a debt I had with Citi bank went to collections. I have no accounts with Citibank so I called the number on the letter which was a debt collector. They culd find no record of it and could offer no info. I sent a certified letter explaining the situation and asked them to stop contacting me. It never showed up on my credit and I never heard from them again so I thought it was resolved. I recently applied for a HELOC and this debt showed up. I called Citi bank which had no record of the account and referred me to their identity theft dept. Unfortunately I work the hours that they are open. I then called XXXX XXXX and they told me to call the debt collector and request proof. I have called them over a dozen times. I just get an answering service that asks me to leave a message, which I did. I have tried to research this company online and can find no info on them except complaints. They have no website. I am unable to clear this up and am certain that this is not my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: After my graduation, I was notified by federal loan service for student loans. However, as Conduent takes one of my school student loan ( XXXX XXXX XXXX ), they failed to notice me about the loan. I had zero idea about this loan ( including loan amount, interest rate, loan collector or even repayment method ). On XXXX XXXX, my credit scored reduced by a whopping 55 points that I realized that there is student loan. On XXXX XXXX, I had to call my school financial office to learn about my loan collector. Then, I made a phone call to ask why they do not contact me for my loan. According to them, they sent paper mails to my correct mailing address and the postal office returned the mails. I highly doubt that the address they input is correct. Also, they did not try to send me E-mail notification even though they can easily achieve my school email address. They also did not make a phone call. They representative insisted that they can not do anything about the past due report, so I am desperate to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I made a principal payment to my mortgage account that dropped the original loan to value to below 73 %. 

OnXX/XX/XXXX, I contacted XXXX to ensure PMI will be automatically dropped as required by Federal Regulation since the balance is below 78 % and I have never missed a payment. XXXX refused to automatically drop the PMI and further stated they only drop PMI after the loan is 5 years old and the loan to value limit is reached which is a clear violation of Federal Regulations concerning PMI. I was also told I must send a letter to 5/3 requesting that PMI be dropped and if I didnt they would continuing charging PMI for no reason other than that the mortgage loan is not more than 5 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I was open a checking accunt in PNC Bank since XX/XX/XXXX and evry thing it is good and I pay my bills and work normally, but XX/XX/XXXX I was surprised that the bank want to closed my account, I asked them about the reason of that no one answer me,!!! after that I open new one in XXXX Bank and evry thing good too, but XX/XX/XXXX I received a letter from this bank that them need to close my new accont too!!!! and I asked them the reason and the same thing no one answer me!!!! Please help me what is wrong?? what I did? and I doing now?!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Sale of account

Complaint: SYNCHRONY BANK COMPLAINT I had a XXXX card serviced by Synchrony Bank. The servicing was then transferred to XXXX XXXX. I inadvertantly sent {$4300.00} to Synchrony Bank on XXXX XXXX. They received and cashed my check instead of forwarding the payment to the new XXXX, XXXX XXXX. I have called Synchrony Bank multiple times spending hours on the phone to no avail. I faxed a DISPUTE to them as per their request. I sent another copy via Certified Mail. I have never heard back from any of those DISPUTES. I called today and they can not anything in " their system '' connected to my name nor my payment of {$4300.00}. I want my money refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2016 about Mortgage (Home equity loan or line of credit) with KEYCORP (NY).
Issue: Loan modification,collection,foreclosure

Complaint: The borrower has been trying to get a modification on her XXXX mortgage for over a year. KeyBank keeps sent her a denial on XXXX XXXX indicating that she did not qualify, but did not provide sufficient detail as to why she did n't qualify or what options are generally available. The borrower appealed the decision, but KeyBank denied her appeal without explanation.

Company response to consumer: Closed with explanation