milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX is reportinig inaccurately on my credit report. There are several accounts that are not mine.This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NJ).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Account # XXXX .... 

I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}. I am a victim of identity theft, and I did not make or authorize this charge An account was placed under my name erroneously. Since then, BARCLAYS BANK DELAWARE has damaged my name, and my credit BARCLAYS BANK DELAWARE has entered derogatory information into my credit file. I should not be responsible for BARCLAYS BANK DELAWARE mistake. BARCLAYS BANK DELAWARE has resource to enable accurate information about the clients inquiring new services. BARCLAYS BANK DELAWARE allows an account to be placed under my name erroneously. BARCLAYS BANK DELAWARE should verify all information prior to approving any application 's for services. 

FTC Report 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 explanation
Consumer complaint received 09/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pohler and Associates, LLC (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was in an accident XX/XX/2012. I was driving my girlfriends car because she had had a couple drinks and with our children in the car we thought the responsible thing to do was for me to drive us home. On the way we were cut off by another driver and when I tried to brake we slid into his rear end causing damage to his driver rear tail light. I was insured at the time but my insurance company refused to cover me. My girlfriends insurance had lapsed, but even if it hadnt it would not of covered me either. So of course XXXX, the insurance company representing the guy who cut me off, got an inflated estimate of almost {$8000.00} ( for a tail light ). I requested an estimate by someone of my choosing and was refused. I refused to pay, they attempted to sue. I was prepared to go into court and plead my case, but they approached me last minute and offered to let me make payments and I agreed to pay {$100.00} a month which I have done ever since. They have contacted me by phone and left voicemails saying they wanted to review my account. I have called on several occasions and always get their after hours voicemail and never get a response. Yesterday I recieved another voicemail saying that because I refused to call back they have subpoenaed my bank records and decided that my payment should now be {$250.00} mo. I have XXXX kids and my girlfriend living on my income. I just borrowed a large amount of money from my mother to fix up my house and sell it. Now they want to come and take it for a debt I feel I should n't be responsible for to begin with. They say if I dont pay what they dictate they will have my drivers license suspended. Then not only will they not get paid my family will starve. I am in construction and can not take the bus to work. I work in various different places and some dont even have roads to them much less bus routes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a complaint regarding my education with XXXX XXXX XXXX. I enrolled in XXXX XX/XX/2014 in the XXXX course which is the longest and covers everything with XXXX. I have completed all of my prior classes until XXXX told me that they will no longer be able to cover my financial aid and that if I wanted to continue my education with them I 'd have to pay out of pocket with my own money. At the end of the last course XXXX XXXX XXXX XXXX XXXX I was told by counselor/admission advisor XXXX XXXX at the end of the course that the school made some kind of mistake and that FAFSA was not covering my financial aid and that she was suppose to notify about this issue at the beginning of the course not at the end. Then I was forced to pay cash out of the pocket. During the course I got discharged from my job and I wasnt able to afford payments these high each class is almost XXXX dollars and she told me that I have to pay this amount in 6 weeks. 

And if I wanted to continue the rest of the classes I would have to pay my own cash for the class and books. As of now I completed half of the XXXX education course and still have a little bit more than half left ( which is about halfway done ). So I because the fact that they couldnt cover my financial aid with schooling I was forced to wait a couple months until the issue was resolved. During this time nothing happened and they werent able to help me out financially, a couple months later I called back to see if their was any good news, unfortunately I was told that they did not know when they get financial aid back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They are making more than XXXX calls a day to our home. They have contacted me at work when I 've told them not to because I could lose my job. They also have called our neighbors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Payday loan () with MNE Services, Inc (FL).
Issue: Can't contact lender

Complaint: Call cell phone several times with threats I will be arrested if I do n't call this number to speak with attorney general to stop the process. We have your social security number and they also send these threats on my XXXX XXXX School XXXX e-mail. I have legal insurance and spoke to a lawyer who gave me the web site to make a complaint because this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the three credit bureaus regarding the accounts stated below. I have asked the bureaus to place a fraud alert on my credit report to stop any further fraud from occurring and I have asked them to dispute the unauthorized accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX I am not able to see what dates the accounts were opened.

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 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I disputed to the credit bureau the reasons why  XXXX   XXXX   XXXX  located in  XXXX   XXXX , MN should not be on my credit bureau. I sent this  XXXX  of  2016 , It has been a year yet I have not received any feedback but yet this is still on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Student loan (Non-federal student loan) with Allied Interstate LLC (VT).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My private loans have been sent to an outside collector named Allied Interstate. They call multiple times a day, they were verbally abusive, and threatening when I had spoken with them. They call all hours of the day, and interrupt me while I am working.

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 09/28/2016 about Debt collection (I do not know) with NAM National Arbitration and Mediation (WA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Sent a cease and desist letter via fax on XXXX XXXX, 2016. Called and spoke with a representative and verified receipt by the company. Still getting phone calls in violation of the FDCPA. So far there have been XXXX occurrences after verified receipt of an order to cease and desist.

Company response to consumer: Untimely response
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On numerous occasion I have contacted  TransUnion LLC. a bout inquires on my credit report that were deleted and added back to my credit report without my knowledge. I spoke with an agent on  XXXX / XXXX / XXXX  who admitted that there was a glitch in the system in which everyone was effected but refused to remove the inquires listed below from my credit report. She stated that I needed to prove that I had been effected by the glitch and when asked to produce information that stated I was not she could not produce the information.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   duplicated should only be listed once )   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 explanation
Consumer complaint received 10/16/2016 about Debt collection (Medical) with State Collection Service, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a account that should had never been put on my credit reports I applied for assistance threw the hospital and was approved. because I was on public assistance at the time and the hospital told me I was approved. and the bill would be paid threw the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WI).
Issue: Deposits and withdrawals

Complaint: Wells Fargo Bank use a 3rd party, XXXX ( XXXX XXXX XXXX ), to alert them to place a deposit hold on your acct. Wells Fargo will " hold '' the deposit for 7 business days even when Wells has received payment for the check. I made a deposit on XXXX/XXXX/16.The hold is until XXXX/XXXX/16. I verified with the bank the check was from and they paid it on XXXX. How can Wells keep my money that they have already received and not credit my account? This is on a small business acct and it really effects my business.

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 07/16/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: on XX/XX/XXXX -I have screenshots of transactions- simple dba bbva compass was notifed of a dispute w  XXXX  that the hotel kept giving me   XXXX   about and refused to refund the charge over. ( I had no issue w   XXXX   XXXX   XXXX   reversing a similar charge. ) two weeks have gone by and no money has been returned to me as per the visa agreement. now bank wants to close the account w my social security going into it. funds have not been reversed to me, nor was i given an eta on the funds reversal. I was  XXXX  w a 2 month wait. It doesnt take 2 mos to give money back to the consumer. usually its under a week. now I have to sue for  XXXX  because of this. I do not take cellular harassment about things discussed in writing, -electronically or otheriwse- in attempts to dodge legal responsibility very lightly. they were told not to call me and I have multiple calls from washington state. ( 205 ) ac.
 XXXX 
both companies are scam artists and factually provide no corporate escalations contact information. simple is out of  XXXX , not washington state, where they were headquartered.bbva compass bought them out. they harass customers, despite being told calls were not being taken. these are unlawful retaliations.
 XXXX 
banks that can not uphold visa agreements should not be on thier network. this is the second bank i have had   XXXX   with.   XXXX   is the first.
 XXXX 
I repeat my demand to the bank for payment-and deny them the right to close an account that social security benefits are going to. Should they continue to close the account wo permission, they will be sued for any missing  XXXX  payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My husband died and I payed the principal of the mortgage off in XXXX to NationStarBank. In XXXX I received a call XXXXNationsStar Mortgage company stating I owed a payment and that the amount of {$710.00} plus a payment was past due for XXXX. I went on line and paid off the {$710.00} and made the payment of XXXX also. I then got a call the next day that there was a past due balance of {$45.00} XXXX that I did n't pay. I never missed a payment on my loan and I was told that it was an amount paid for my husband and my bankruptcy. The court claims no monies other than what we paid were made and the bankruptcy was dismissed before this loan modification. I called back the mortgage company and was told that it was paid to the attorney. The attorney said it was not and the Trustee also did n't receive the money. I contacted the mortgage company again and was told that the last payment was in XXXX. I gave them the receipt of the XXXX XXXX payment and was told that it was applied but I still owe them XXXX XXXX dollars. I then went to my bank to get financing for this and was turned down due to the bankruptcy. I was told that bills included in the bankruptcy were still showing due. I then contacted XXXX XXXX they agreed to lend me the money to pay this " balloon payment ''. The pay off showed a balance of {$160.00} principal plus the XXXX XXXX. I contacted Nations Star Bank the mortgage company as to where did the {$160.00} come from if I paid off the {$710.00} total principal. They did n't show that payment in XXXX. A manager said it was put into miscalanious funds and not applied to my account. I asked for them to show me where the {$45000.00} was paid to us or our creditors. They said it was a past due balance on our mortgage. I know this is not true because my husbands XXXX XXXX retirement benefits paid the mortgage every month before the bankruptcy and the trustee did n't miss any payments nor did I since it had been refinanced. They could not show me or tell me who received the money. Today I received another letter from the mortgage company which said you are past due on your payment. I am so frustrated. I have already paid for an apraisal on my house to receive a new mortgage to pay this off. I do n't believe I owe this money and think Nation Star bank has added someone elses loan to mine. I am a widow and I do not make enough money to pay NationStars high payment. That is why I am trying to get a loan. Nation Star keeps changing the payoff amounts. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (WV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: aargon agency and another agency ha s same debt listed on same credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Debt collection (Medical) with Choice Recovery, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from Choice Recovery. I had previously disputed this account. I have never done business with Choice Recovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Choice Recovery provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Items from Choice Recovery are on my report in duplicate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/26/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid my credit card balance in full on XXXX XXXX, 2017. On XXXX XXXX a {$5.00} fee was assessed to my XXXX balance account. I did not receive notification of this fee as Citigroup/XXXX do not have my correct address or email on-file. I was then reported as being 60 days delinquent. Upon realization of this, I immediately paid the amount due. I called the XXXX credit card company and was told that once the payment hit the account I could call back and the reporting would likely be removed from my credit reports. Once the payment hit I did call back, and was read what appeared to be a legal recitation stating the reporting would not be removed. I believe the credit card company charged the fee in an unfair and deceptive manner so as to generate fee income.

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 02-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Yet another complaint against Nationstar for the fraudulent fake auctions, made up values, and belief that they are not required to adhere to XXXX and FDCPA guidelines. Honestly, when will the CFPB actually do something about this organization? 

Nationstar has run this property through their fake auction system ( in order to gain a 5 % buyer 's premium for their own personal benefit at the expense of their investor ) and surprise surprise .... No bidders. The counter offer then made to the original buyer was once again ridiculously over market value. When asked if they could explain the value -- - we were told that they do not release value information in direct violation of ECOA guidelines. When asked the last time that they had had someone inside the property to value it ... ... NO RESPONSE AT ALL. This is likely because they have not had anyone in the property and the limited pictures that they do have were given to them by us. Which raises the question .... Where did the value that they countered us at come from? They made it up and it has no basis in fact. While I know that Nationstar 's business model ( as outlined last XXXX in the XXXX ) is to defraud their investors, borrowers, and the federal government ( yes, we just caught Nationstar again defrauding the Treasury Department on a HAFA short sale and have an ongoing complaint on that file ) at some point the CFPB needs to stand up and say enough is enough. 

I would appreciate if Nationstar would actually complete an interior value on this property and counter the buyer appropriately ... .. I know that their goal is to attempt to get this buyer to leave so that they can attempt to run this through their fake auction again in hopes of getting a 5 % buyer 's premium ( once again at the expense of their investor ), but enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: On Saturday XX/XX/2016 I checked my bank account at Wells Fargo they had withdrawn XXXX from my advantage checking account to my other checking account because it was overdrawn and I was not given any notice I called customer service they said when I sign up for Wells Fargo I sign a paper stating that they have the right to cover any overdrawn accounts but they never gave me any sort of notice so right now I have debits out there and checks coming in that are going to be charged for NSF fees the customer service rep gave me the overdraft number for me to call on Monday I even message Wells Fargo on XXXX and a woman named they only said that she will review it and get back to me and I have not heard anything from them I 've been with Wells Fargo for over 8 years and this is XXXX of many problems. I have even reported them to the XXXX for constantly calling me about them calling my number XXXX and XXXX times a day every day even on the weekends including XXXX and XXXX so I have numerous complaints into the XXXX but this XXXX is my main concern they withdrew money without me letting me know and giving me a chance to cover my overdrawn account.

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I checked my Equifax report and it has not updated in almost 6 months. Several debts have been closed and while my XXXX score has improved by 87 points, the Equifax report has yet to update.

Company response to consumer: Closed with explanation