milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (PA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I 've put various complaints in w ith Barclay  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX  , utility bills, gambling sites, and IRS. Also included was IRS and Mai l Fraud.  This particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was   XXXX   I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Customer  Advocate Team  in which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact  to Barclays  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is  a PFA  against  XXXX   XXXX  and I am prepared to work with  Barclays to  sign anything needed to clear me from this fraud. Please let me know

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 06/19/2015 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Court Case XXXX XXXX was a foreclosure case between HSBC and XXXX XXXX XXXX and not XXXX although XXXX XXXX XXXX represented XXXX. 
We were summoned to Court on XXXX XXXX, XXXX dealing with foreclosure. We havedocuments from XXXX showing that your relationship began with XXXX as XXXX XXXX XXXX and not XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX before a Sheriff sale you verified your sale from XXXX to theFederal Reserve Bank XXXX XXXX dismissing your involvement with us. 
On XXXX XXXX, XXXX you appeared again with a Sheriff sale. 
XXXX XXXX, XXXX HSBC received confirmation of your Sheriff Sale. 
We have no reason to address XXXX because you stated on many times thatyou were the owner. You simply as the owner has been able to fraudulently XXXX XXXX Mortgage in XXXX in Ok ) sell property on ( XXXX XXXX different occasions and thereforewe scream XXXX jeopardy and mortgage fraud. 
We have shown that no mortgage existed and therefore believe that HSBC owes usour Truth-in- Lending amount from XXXX of {$480000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XX/XX/XXXX, I sent a letter to Navient in the hopes of having a 90 day late payment removed from the account ( dated XX/XX/XXXX according to the various CRA ). After speaking with XXXX XXXX, I was assured that she would get down to the issue, but that " Navient is not in the habit of removing late payments from the CRA. '' On XX/XX/XXXX, I received email correspondence from Navient via XXXX XXXX confirming exactly what she had said. The letter, which is attached, stated that " I received Administrative Forebearance on XX/XX/XXXX that was applied to my account retroactively from XXXX XXXX, XXXX to XXXX XXXX, XXXX. Our records indicate that your loans were reported delinquent to the credit bureaus XX/XX/XXXX. Although the forbearance did resolve your past-due status, the delinquency reporting that you 're requesting to be removed occurred prior to your request for forbearance and was accurately reported. '' If my forbearance was from XX/XX/XXXX to XX/XX/XXXX, is XX/XX/XXXX also not covered in this forbearance period? I have several accounts with Navient, totaling more than {$75000.00} ; some of which were transferred to them from XXXX XXXX. I am now very weary that any of the information is correct or being reported correctly. Not to mention the fact that they are great at not providing timely information when it was time to renew my Income-Based Repayment Plan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (I do not know) with Credit Systems International, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: company has called my cell phone number several times looking for someone else ( XXXX XXXX ). They refuse to remove my number from their system. When I told them it was illegal in Texas to call a person 's cell phone without express consent, they just said it is not illegal to call a wrong number, and then hung up on me while refusing to provide her name, the company name, or an address.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (UT).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The company is USAA. Everytime they have contacted me I have told them to work with XXXX XXXX XXXX who I am using for debt consolidation. Example dates XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

I informed them that I was working with XXXX XXXX  and to talk to them. I seperately called XXXX XXXX on XXXX XXXX and confirmed they had spoken to the settlement department at XXXX XXXX 

However, USAA continues to try and contact me. I actually spoke with a manager there, and set up a date, also XXXX XXXX, for them to call me at XXXX my time at which time I planned to get them and XXXX XXXX on the phone together. Instead, I got no phone call on the XXXX or XXXX, and got another missed call this morning at about XXXX ( ca n't answer because I 'm at work so I declined the call ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Portfolio Recovery Associates have been reporting a {$610.00} collection account on my credit report. I have never had any business with Portfolio Recover Associates. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation. I have disputed this transaction several times on my credit report through XXXX. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent Portfolio Recovery Associates requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from Portfolio Recovery Associates. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a fraudulent charge on my account. After declaring it as fraud the card was closed and I was told I would have a new card in 5-7 days. After 10 days I contacted them again and they assured me the card was on the way. After another 8 days I called and they told me the account was closed and no card was issued. The only way to get a new card was to open a new account and go through the process. After agreeing to leave it closed I asked about the fraudulent charge still on the account balance and I had to go through the process again of declaring it fraud as if it had never happened before. Very disappointing after having the card for over 8 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2017 about Debt collection (Auto debt) with Convergent Resources, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX is trying to collect on an alleged debt that is reporting on my credit report by XXXX XXXX as a profit and loss writeoff but is showing a balance of {$2700.00}. I have requested debt Validation and it was not properly validated by XXXX XXXX XXXX. I also disputed with all 3 credit bureaus and it cameback as verified. However, when I requested Method of Verification I received nothing. I would like for XXXX XXXX and XXXX XXXX XXXX to stop trying to collect on this alleged debt and to remove it from my report and all 3 credit bureaus.

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 08/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with HSBC NORTH AMERICA HOLDINGS INC. (MN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: To Whom It May Concern, I have a personal credit card with HSBC Bank. I have a credit balance on my card of {$150.00} ( meaning the bank owes me {$150.00} ). I requested that HSBC send me a check for my credit balance, but they have refused. 

I originally requested this check on XX/XX/XXXX. I was told the request was processed. 

After not receiving the check, I followed up via online chat on XX/XX/XXXX and was informed by the customer service representative that a check was mailed on XX/XX/XXXX. 

After again not receiving the check I followed up with the bank on XX/XX/XXXX via online chat and was told that it can take up to 7-14 business days for the check to arrive and that yes they had sent it to me. 

After still not receiving the check I sent a secure message to HSBC on XX/XX/XXXX to ask about the status of the check and to inform them that a further delay in getting this check was not acceptable. 

HSBC responded on XX/XX/XXXX indicating that they would not send me a check for my credit balance even though my most recent statement indicates they owe me {$150.00} in cash. 

I am requesting that the bank honor its debt to me and issue a check for the balance on my account. 

Thank you to all for assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX 2015 I was evicted from my apartment. All my personal belongings including identification we 're padlock inside and later thrown out. When checking my yearly free credit report there were fraudulent accounts in my name. When contacting the credit companies some did n't hesitate to close and remove the accounts from my credit. Kohl's/Capital One agent could n't careless and used the number I called to harass me for payments. The other two accounts were with XXXX/XXXX and XXXX XXXX XXXX which has now sold the account to XXXX XXXX. XXXX and XXXX has removed the fraudulent accounts but XXXX  continues to report the fraud accounts even after multiple dispute submitted to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I tried to apply online for a checking account and it says on the letter that I received that I was on  XXXX  as reported by Ban k of America. I do n't own that account. I have no account on Bank of America..

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX XXXX XXXX- Unauthorized Inquiry not my account XX/XX/XXXX XXXX XXXX- Unauthorized Inquiry not my account XX/XX/XXXX XXXX XXXX- Unauthorized Inquiry not my account XX/XX/XXXX XXXX XXXX Unauthorized Inquiry not my account. 

I have contacted Transunion about each inquiry that was Unauthorized not did I know about it till I actually pulled my credit report. I sent them a letter disputing each inquiry and they sent me a letter back stating they needed to know why I was writing them and they denied my dispute. I would like for these inquiries to be removed because they were not made nor authorized by me. I have uploaded my ID and social for proof of identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: the investigation period has been over 30 days without full verification and validation. i attached the initial investigation request. 
XXXX XXXX Card CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Conventional fixed mortgage) with HABITAT FOR HUMANITY INTERNATIONAL, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX Habitat for Humanity is in violation of our clients right to counsel and RESPA guidelines - we have attempted to contact the lender and opposing counsel since XX/XX/XXXX for loan information and to discuss a workout option for the client via loss mitigation - the lender and or opposing counsel was contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, No one has responded to our voicemails left for each - each time we have reached out to them no one has returns our call and at this point they are unwilling to assist this client in a workout option.

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 02/19/2016 about Consumer Loan (Installment loan) with Risecredit, LLC (CA).
Issue: Managing the loan or lease

Complaint: applied for a loan not seeing the payments go down on paying on a XXXX dollars loan for almost a year. XXXX a month. Times XXXX {$500.00} per month. 
currently interest rate is 198.15 %. military lending act only goes up for service member up to 36 % please any assistance would be appreciated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (RI).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Transaction ID : XXXX Comptroller of Currency XXXX XXXX, 2017 Copy of letter to Bank Officers Hello,. XXXX XXXX XXXX XXXX is attempting to release an authorization/hold on customer 's card for a car rental that is paid in full. The hold should not be there as the company was already paid. XXXX wants the inappropriately held funds released.
Details : 1- The car rental was in the name of card holder 's spouse. The amount paid in full via customer 's AMEX SERVE was {$620.00}. The additional amount inappropriately being held is {$490.00}.
2- Card holder contacted AMEX Serve Customer service. Both the customer service person and the manager understood the problem, but stated that even though the authorization/hold should be immediately released, their automated system prevented them from doing so. They provided the release number of # XXXX to XXXX XXXX. XXXX said everything is released on their side, and that the date should be changed on the hold -- to today ( XXXX XXXX, 2017 ).
3- Again, XXXX XXXX indicated that the date of the transaction should be changed and the funds immediately released as they have been paid already. They offered to third party call in to AMEX to resolve the matter this morning. XXXX XXXX offered to fax AMEX Serve a cancellation document, or call Amex Serve directly to release these funds ( {$490.00} ). Again, AMEX customer services simply reiterated their policy.
4- I am writing to you for your help today to release my funds. For a working person, these inappropriately held fund are the difference between paying rent and eating, and literally being hungry.
I tried to get in touch with XXXX XXXX as well.
This is a unique situation where the merchant has already been paid. The merchant is attempting to cancel the authorization. And the merchant is attempting to contact AMEX to resolve the matter this morning.
Thank you for your help. Card Holder.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with ERC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I disputed this over the past several year even before the transferred it over to collections and still not taking it off my credit report someone stole all my information and open numerous amount of accounts in my name over the phone and internet I explained this to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Debt collection (Other debt) with National Credit Systems,Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In XXXX I co signed for an apartment with a friend. At the time I lived in North Carolina & he lived in Florida at the XXXX at XXXX XXXX XXXX in XXXX, Florida. In XXXX of XX/XX/XXXXafter his graduation, he moved out the apartment. I was not contacted of any debt owed. Months went by and I was never contacted via email, mail, or phone. On XX/XX/XXXX, the apartment contacted me & told me if I did not pay them almost {$1700.00} that day, they would send it to collections. I told them I just had a new born baby and was out on unpaid leave & would be unable to pay. I also stated the fact that I was never contacted and asked why did they wait 10 months to contact me concerning the money owed. I received no response to my question and was told they would be sending me to collections & hung up. Within a month I received calls multiple times a day from a number I did not recognize. One day I decided to answer the call. A gentleman from National Credit Systems call about this debt. I explained the situation to him. He told me I had until XX/XX/XXXX to make some type of arrangement in order to not place the debt on my credit. He said if I made a payment arrangement, they would not report the debt. Even after this conversation, the company still continued to call numerous times a day. On XX/XX/XXXX my financial advisor called on my behalf. After speaking on a recorded line, the representative said that the debt would not report to my credit due to new law changes. As of XX/XX/XXXX National Credit Systems has placed this collection amongst all 3 credit bureaus. Upon further investigation, the State of North Carolina requires collection agencies to be licensed and/or registered with the Secretary of State. National Credit Systems is currently under a REVOKED status.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Student loan (Non-federal student loan) with LendKey Technologies, Inc. (MN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been paying my private student loan since 2011 at about {$600.00} a month. My private student loan is still the same amount, since I left college ( {$120000.00} ) because I have only been paying the interest down. My loan payment is soon going to increase to over {$1000.00} a month and I can not afford that option. I am also interested at going back to school so I can make more money to pay this student loan down, however I do not have the option to put the loan on deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar issued approval for a short sale for a purchase price of {$130000.00} XXXX. The buyer 's appraisal was returned at {$130000.00}. Nationstar did not contact the investor for approval to issue a revised approval letter, which would have been the most effective solution. Rather than resolve the issue between servicer and investor, Nationstar instructed us to submit a copy of the buyer 's appraisal to XXXX through XXXX and assured us we would receive revised approval at the appraised value of {$130000.00}. The response was a counter in the amount of {$140000.00}. The buyer was unable to obtain a mortgage and the contract was cancelled. We have submitted several value disputes with documentation that a value of {$140000.00} is not reflective of market value and all disputes have been denied. As a result, we requested full disclosure of all valuation materials, XXXX reports, internal valuations, and appraisals. The servicer and investor refused our request, denying the homeowner her right to conduct a transaction with full disclosure and transparency. Should you need further information please contact our office XXXX or by e-mail ( XXXX ). Thank you in advance for your assistance.

Company response to consumer: Closed with explanation