milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I call Barclaycard XXXX XXXX after XXXX  XXXX, and ask for a extension on my mountly payment last XXXX, now I got the statement and they charge me late fee XXXX}, when they toll me you do n't have to make a payment until XXXX. So now I have to make a payment for XXXX and that include the amount due in XXXX, XXXX late fee and XXXX due amouth. That 's Not fair for me that 's why I making this complaint.

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed. Experian,  XXXX , and   XXXX   XXXX   XXXX   (  XXXX  ) are all refusing to remove fraudulent information from my credit report after providing verification from  XXXX  that the tradelines were successfully removed from their report.  XXXX  and Experian claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor,  XXXX , is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all   XXXX    entities. I have repeated multiple times and made it very clear that I have never paid   XXXX   and never will.  XXXX  is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department.
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I have substantial evidence that proves  XXXX  engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies.
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  XXXX   is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several  XXXX  employees told me this action was to prevent the account from being charged off. The account should have been charged off NLT  XX/XX/XXXX  according to the original default date. Somehow   XXXX    managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from   XXXX   to some distant year.
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Also,  XXXX  is reporting that one of the  XXXX  tradelines is closed/paid in full and the remaining  XXXX  are current.
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This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into  XXXX , Experian, and  XXXX . This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank 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 08/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested a report from all three agencies over 3 months ago through " AnnualCreditReport.com '' I have not received anything as of yet. I need a copy of these forms expeditiously. Can you please help me? Thank you in advance.

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 02/25/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/2018 sent validation letters to XXXX for {$740.00} and {$450.00}. Also XXXX XXXX XXXX for {$730.00} so far no response.

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 01-09-2017 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX XXXX XXXXXXXXXXXX To whom it may concern : Around XXXX, XXXX, I went to the branch in revere to opt-out my account to prevent incoming charges without my consent, unfortunately Santander bank, did not obey my request and they kept paying items without my consent. I previously sent a complain to you guys ( CFPB ) in reference to the violation and fraud that this bank is doing with the customers, but you did not take action of whatsoever with the bank. 

On XXXX XXXX 2016, I called again and I was assisted by a lady name XXXX and I asked her to please opt-out my account from incurring charges without having available fund to cover. She states it that my request will be in effect in the same day. To my surprise, again they did not comply with my request and they keep paying the bills without having available funds to cover them. These charges again were done intentionally just charge me over draft and sustained fees to profit themselves illegally. Within matters of 6 months, I have paid without my consent around {$930.00} just in feeds putting myself in a deficit in a monthly basics. 

These irregulating happens because you guys ( CFPB ) are not doing your job to protect customers from banks like Santander bank. They actually pick and choose what to do with the customers, they can pay charges without consent or they can stop paying charges without consent just to profit themselves. I requested long time ago to be opt-out from paying charges without having available funds, but my request was ignored and Federal Consumer Protection Bureau does not do anything to protect customers. 

Enough is enough and I want all my overdraft and sustained fees to be refunded to my account as soon as possible and I want Santander bank to complied with my request permanently. 

Please Consumer Federal Protection Bureau, act and protect your customers from banks that abuse the law under the table. 

FYI, I want you guys to investigate this bank not to send the complaint and received a response from them which will lead to nothing and they will keep doing the same. ( stealing money from customers ) Sincerely, XXXX XXXX, Your customer..

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This reason I am filing this complaint is to request an investigation into XXXX XXXX XXXX mortgage company reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage company are reporting the incorrect year of XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency occurred in the month of XX/XX/XXXX. I am requesting that XXXX XXXX XXXX correct the fraudulent information being reported to all credit bureaus into my credit file 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 03-07-2018 about Debt collection (Medical debt) with Paramount Recovery Systems, L.P. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Too many account of XXXX XXXX  on my credit report wrong database amont pls remove from my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with BANK OF THE WEST (CA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: Refused to cash a check made out to nickname because according to them nickname is none-XXXX nickname while my real name is an
XXXX name in a foreign language. I provided proof with university documentation that lists both names as well as utility bill for the past year which were billed under my nickname, but they rejected documents. When asked about common nicknames, they suggest that " normal '' name variations would not be scrutinized.

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 11/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I AM VERY DISTRAUGHT WITH THESE CREDIT REPAIR COMPANIES. AS A BUSINESS OWNER I KNOW THAT IT IS IMPORTANT FOR THE CUSTOMER TO BE SATISFIED HOWEVER I SEE EXPERIAN, XXXX DOES NOT GET THE MEMO. I HAVE CALLED AND CALLED AND DISPUTED AND DISPUTED, AND HAVE NOT GOTTEN ANYWHERE. I HAVE XXXX ACCOUNTS THAT I HAVE NO KNOWLEDGE OF WHICH I WAS ADVISED TO FILE A POLICE REPORT WHICH I DID, AND AN AFFIDAVIT WITH THE FTC WHICH I DID AND THE BUREAUS STILL REFUSE TO HELP ME. THERE WAS EVEN AN UNKNOWN ADDRESS TIED TO THE FRAUDULENT ACCOUNT THAT IVE NEVER EVEN HEARD OF WHICH EXPERIAN DELETED BUT IS NOT TRYING TO REMOVE THE FRAUDULENT ACCOUNTS. I AM DISGUSTED AND MY REPUTATION IS IN HARMS WAY AND NO ONE IS TRYING TO BE COMPLIANT WITH THE LAWS THAT ARE SET TO PROTECT US CONSUMERS. I HAVE A XXXX CREDIT CARD ON MY CREDIT REPORT THAT I NEVER EVEN SIGNED UP FOR AND A STUDENT LOAN THAT I NEVER EVEN SIGNED UP WITH KNOWN AS XXXX. IF THIS MATTER IS NOT SOLVED I WILL HAVE NO OTHER OPTION BUT TO FILE A CLAIM IN SMALLS CLAIMS COURT! PLEASE REMOVE!

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 12-11-2015 about Debt collection (Medical) with Jon Barry and Associates, Inc. (PA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Company calls after I sent a written Cease & Desist notification. Also, robo-calls using an ATDS to my mother 's mobile. I have previously provided both the Company and its client documentation regarding my father 's death and that I am the executor for his estate and POA for my mother.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I was caught up in a scam that has affected many people other than just me. Below is my detailed account of being victimized. 

I am a US Military Veteran who have been on a job search for the past 6 months including placing my resume on many job boards such as XXXX and XXXX. I was approached via email by a hoax company named XXXX XXXX XXXX explaining how they saw my resume on-line and that I was a great fit for a work at home opportunity with contractual work involving other partnering hospitals. Once I seemed interested they began telling me about pay and health care benefits and the initial step I had to take in order to start my position. Next, I was sent a {$3200.00} through XXXX and was told to spend {$1500.00} on software and equipment needed and money was to be sent via XXXX to XXXX. When I deposited the check I assumed my bank would identify immediately that it was a false check, but the bank accepted the check thus causing us to be assured as well. Flags began to raise in my mind after transaction at XXXX and my looked up the company in detail and noticed that they were a fraud company running a scam. I immediately lost heart because the check was a fraud and I was back at being unemployed and bank account impacted by the situation. 

Help is needed on my family behalf who is suffering due to a fault that I was unaware of. Look forward to your response and immediate help due to now being highly impacted by Hurricane Harvey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have 2 credit card accounts on my XXXX XXXX, XXXX  and Experian credit report that I did n't apply for and is unauthorized and fraudulent. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX

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 10/25/2015 about Debt collection (I do not know) with GC Services Limited Partnership (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: GC Collection services calls me about XXXX times each day. According to the online research I 've done, they harass even people who have no outstanding debt. This is exactly the case with me : I have no late payments, and have never had. I want this bullying to stop : internet is full of stories of their harassment victims. Feel free to contact me : XXXX. My name is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I received a mortgage modification from Seterus. After the first payment they reported it to the credit bureaus as current. XXXX XX/XX/XXXX 's payment ) Since that time they have not reported anything in regard to my payments. They are also reporting an incorrect balance that was not nor has been the balance in years. They had no problem reporting when it was late and now that it is current they have not reported. When I called I was first told it was coded incorrectly. Now I am being told that their is an internal accounting error. Yet again, with Seterus no one seems to have the same answer or resolves the problem. I need them to report my mortgage payments that are and have been current so that my credit score recovers. If they are unable to do so in the 30 day time frame as requested two weeks ago, under law they should remove the negatives and the incorrect balance as they are hurting my credit now for several months. This has also been disputed with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This information is incorrectly reporting on my credit reports. These items were previously deleted as I am no longer responsible for them and they reappeared on my credit reports, which is negatively affecting me UNDER A DIFFERENT COLLECTION AGENCY. THESE ARE MEDICAL BILLS AND THEY ARE IN VIOLATION OF HIPPA. THESE ACCOUNTS PREVIOUSLY WERE REPORTED UNDER GREATER XXXX EMERGENCY. 

XXXX COLLECTIONS {$270.00} XXXX COLLECTIONS {$350.00} XXXX COLLECTIONS {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/16/2017 about Student loan (Private student loan) with National Enterprise Systems, Inc. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Hello. I have been contacted by national enterprise System XXXX XXXX XXXX XXXX XXXX ... About XXXX private loans. One for the amount of XXXX and another one for {$5200.00}. I never agree to have private loans. I attended XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX in XXXX XXXX.When I enrolled to this school I was informed that the school was accredited and that I could transfer my credit to other school. they said they will help with me with my job search. I remember specifically telling My recruiter XXXX that I only wanted federal loans.I never agree to have private loans and somehow they manage to include it for me. When I attended to this school I enrolled hoping that i will eventually become a professional and have a career out if this school. When i graduated and started looking for jobs I always was rejected by potential employers. I knocked so many doors but no one ever gave me an opportunity. I turned to XXXX for help and they were giving me jobs that didnt even had to do anything with what i had studied. Then i decide to continue my XXXX at another school and learnt the credit were not valid and transferable i have not been able to attend school due that i have to much debt and cant afford to continue. Currently iam not working in my field and i struggle everyday to support my family. I need help. This debt is really drowning me making me not want to live anymore. I need to dispute the validation of this debt. How can i do about that?

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 05/18/2016 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: my student loans have been in default for a couple years. In 2014, I contacted the debt collectors for the loans and set up consistent payment plans. I turned in all the paperwork several times and even sat down with the consultants over a dozen times to fill out the paper work the exact way they needed it. They keep losing my paper work and kept telling me I needed more and more stuff to send in. Finally I talked with the manager and he gave me everything I needed to turn in and I completed it all. He told me that my student loans would take 6-8 weeks to be out of default. After not hearing from them for 3 months ( and still making my monthly payments which now was over 14 months of paying consistently ) someone finally called me and said I needed even more paperwork. I would like to start college again but I cant because these people will not get it together.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ... A company called " XXXX '', which only shows a P.O.Box as address, has tried to " collect '' a debt on behalf of " Capital One, F.S.B. " ; for such I have no knowledge nor I owe anything to that bank/credit ...

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Selene Finance LP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The Investor through their servicing agent Selene Finance is engaging Predatory collection Practice though Mortgage Service Abuse Bad Faith and Unfair Business Practices, behavior tactics and attempt at Equity Thief. 

Selene Finance purposely delated the Short Sale process in order to increase their profits by increased fees all the while with no intension of ever approving the Short Sale thereby causing unnecessary stress and severe mental anguish. 

The Homeowner or their agent has been is continued communication with Selene since XXXX of 2016. Selene representatives have consistory delayed, denied and deflected by changing representative several time, not returning phone calls, repeatedly asking for the same documents and the file not being reassigned while the representative was on a prolonged absents or vacations.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: FedLoan should have all Notes with the dates and the Reps I spoke to. In the beginning of the year I was going back and forth filling out different applications to get a low monthly payment plan. Apparently I accidentally applied to have no interest on my payments for 1 whole year. I said " Wow so I do n't even have to make a payment for a year '' THE REP SAID NO!! I specifically said to every single rep I spoke to I do n't want this to hurt my credit they assured me it would n't. The beginning of the year my credit score was XXXX now it is XXXX because of them!!! If they would have told me your credit is going to be affected, I would n't still been making payments. Now I ca n't purchase my own house like I was planning to XXXX XXXX when my lease is up at the apartment. Please please help me I need to purchase my own home immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I received a letter from Ditech my mortgage company stating that I am eligible to receive an additional pay for performance incentive in the amount of $ XXXXThis is under the guidelines of the Home Affordable Modification Program that is tied to Dodd-Frank. I had to send in a Certification form. I did so on XX/XX/XXXX via fax.See attached documentations. Shortly there after I called to verify that they had received my documentation and was told it had to be processed.On XX/XX/XXXXI was told that everything was in order but it could take up to a year to complete. On XX/XX/XXXX and XX/XX/XXXX I was told a similar story and the last time they had no record and had little information about the program. I was sent to a different extension were I got a voice mail to leave a message with my information and I would receive a call back which never happened. I this point I am tired of the runaround by this large bank and seek your help. A gravely similar and much worse process took place during my loan modification which resulted in a {$20000.00} impact on my mortgage. Please Help, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation