milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (GA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I went to   XXXX   XXXX   for a treatment. After I thought about getting the treatment I wanted to back out but was told I could n't. Although the treatment was okay, I was not happy with the results, but paid the account monthly. When I got the first bill I wanted to make an online payment. The only way I could do this was to set up a mobile app that would accept my payments. This action stopped the paper statements. The mobile app was fine however I was on an interest free payment plan for 18 months. The mobile app showed payments and balance. Mid last year I took my statements to a bill planner where I discovered I was no being charged all the back interest and now at a very high interest rate. There was no notice that the interest free time frame had run out and that I now owed twice what the service cost. I contacted them when I found out with no response. I contacted them a second time and complained both about the service and the interest. I also offered a  one  time payment to pay off the original balance in full, due to the fact that the mobile app does not tell you any information about your account. They responded with a letter saying that is what I signed up for and the owner of the business called to say " too bad so sad ''. I responded to say, had I known about the time running out I would have paid it off but the online payment offers no information. I was n't given the opportunity to pay it had they informed me I would have had it paid and that they needed to change the mobile. I also asked, in a ll 4  letters I have sent, to not call me. Since all this started I had an on the job injury and have been out of work since  XXXX . I told them this in  two of the four  letters and just today I was asked today if I was having a hardship. They call everyday. I did  get one lett er that gave me a small credit but they still refuse to address the original issue, continue to call everyday and now they are ruining my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Closing/Cancelling account

Complaint: I got the account on XXXX XXXX, XXXX. I did not intend to sign up for the card.One of the employees closed my account without my consent. I had expressed my concern about the account to the employee. She told me that closing the account will not be possible until the balance is paid off first. She told me to call back in a few days to confirm about the account. On XXXX/XXXX/XXXX I have n't paid the balance off yet because I have n't gotten the statement in the mail and I just received a letter saying the account is closed.I have yet to get the actual card in the mail also. We never confirmed anything and there was no talk about a letter coming in the mail about how the account is closed. Not only I got my credit pull for the card, I now have to worry about a closed account with a balance ruining my credit score. I will be paying the balance off tomorrow morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Debt collection (Auto) with ALLY FINANCIAL INC. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ally Auto repeatedly calls me throughout the day. It has not became XXXX a day they are contacting me. I have already told them XXXX the constant phone calls need to stop. They continue to do it. I have threatened them with legal action but they do not listen. At this point I am writing to complain as well as looking to take the legal action further. I already contacted a lawyer about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian lists cell phone numbers which are mine. the incorrect numbers are XXXX and 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 08-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Late fee

Complaint: We were three days late in paying on our Barclaycard XXXX XXXX XXXX credit card, issued by Barclays Bank Delaware. We ordinarily pay the full balance each month, but we had been on vacation and our schedule was off, so we expected to be assessed some sort of late fee and/or interest. But I was shocked and disturbed to learn what must have been hidden in the fine print : on a total statement balance of {$26.00}, we were assessed a late fee of {$26.00}. This was so disturbing ( and confusing ) that we called to complain. The explanation from a supervisor : the late fee was SUPPOSED to be {$27.00}, but apparently the bank 's policy was to lower it for a smaller balance. When I noted that this was equivalent to charging us 100 percent interest for three days, the supervisor said he understood but that there was simply nothing he could do. In fact, I assume that we will also be assessed interest for the carried balance, so the ultimate cost of this will be more than the total balance. On an annualized-interest basis, that seems equivalent to charging us more than 10,000 %. I do n't know if this is legal, but it should n't be -- it 's an abhorrent, " gotcha '' charge of the worst sort.

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 01/16/2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: SunTrust Bank denied me the processing and receipt of a new debit card after it was reported stolen. They told me I would have to receive a text message and answer " credit-application '' like questions. They said they added some extra security to my account but it felt like they were ordering credit products without my permission as they refused to send me a new debit card. I feel like they want me to close the account so they can hide the fact that they actually stole money from me.

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 08/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing statement

Complaint: I have monthly and yearly subscription and some I do n't even remember. 
So to protect myself, I report a stolen credit card. I received the new card from Barclay Card and to be safe I moved my monthly subscription to XXXX XXXX. 
As now, I have a charge from XXXX that I did not authorized this charge and I called Barclay for the second time. They told me that as long that I did not cancel my subscription, the merchant will update with my new CCS ... and I can not get on hold with XXXX. 
The big issue that I have with Barclay card is if there is a dispute is between me and the merchant, not with Barclay Card. As with XXXX XXXX, I received notification asking if I recognize the transaction ... and if there is a dispute, merchant will get back with me ... but it is not the role of Barclay XXXX to mange the dispute with fees and what so ever. I called Barclay on XXXX/XXXX/16 and nothing was done. I just call now, spoke to a man ... we went over the issue and he put me on hold ... I call around XXXX Pacific Time and now 43 minutes later ... it rings busy and it hangs up. 
Please ... we need some kind of protection and stop Barclay Card with this unlawful Act.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I was in the middle of trying to refinance my home when I saw a XXXX was reporting from XXXX. I tried to get additional information from the court house but they indicated they do not correspond with third parties. I then reached out to the bureaus to try and get additional information and they only indicated that it was verified. If I am unable to obtain the information and I am the one that would have filed it then how are the XXXX bureaus reporting it? I am extremely XXXX because I am only getting the runaround from them. I thought and everything I have seen indicates the bureaus have to be able to actually validate the information. Anyone with a computer can look up XXXX on the internet but that does n't make it true. Also my name is a very common name so how in the world can they just say they verified it with nothing more?

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: American Express ( Amex ) failed to follow their letter dated XXXX/XXXX/2015 ( copy attached ). 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX XXXX and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Federal student loan) with TRANSWORLD SYSTEMS INC (SC).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I called to speak to someone regarding my past due student loan, the rep proceeded to ask my information including my place of employment which I gave him but I did not give him the phone number of my employer because I clearly stated " I can not receive personal calls of ANY TYPE '' he argued with me stating that they would n't call they just need the number, I again said I was not going to give that information. I was unable to complete the call at that time because I was on a time restraint and said I would contact them back later that week. A few days later a rep called me at work when I was off, which means whoever called took it upon themselves to not only call after I CLEARLY stated not to but to also LOOK UP the phone number to my employer because I would not disclose that information. I called them back and spoke to a supervisor who apologized and said it was against policy to call my employer when I had asked them not to and the rep that did so would be reprimanded and it was a mistake. I was very upset and again the issue at hand had not been resolved regarding my loan. This company has since called my employer TWO more times. I called them back and explained AGAIN that they CAN NOT call my employer and the rep told me he did not see a note on my account until he had already called and that by law they ca n't call if there 's a note so they would not be calling again. I have already been reprimanded by my employer multiple times regarding these people continuously calling. I explained I could lose my job over this after the first time they called yet they called again 3 more times. Obviously my request is not being taken seriously and this was my last resort to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX XXXX XXXX, SC XXXX : Capital One FCRA LitigationTo Whom It May Concern : I had previously advised your company that I have been a victim of ID Theft. As a result I have a fraud alert requiring companies to contact me prior to approval for credit. Over the last 2 years Capital One has called/sent letters asking if I applied for credit which I have not. I have responded by phone and in writing that I have not applied/authorized said inquires on my credit and they needed to be removed. Your company stated in response to a previous CFPB Complaint and said that you would remove the unauthorized inquires once I faxed a copy of my credit report. Which was done the day that it was requested. Well now over a month later not only do they still remain but the number of inquires have since increased. Between all XXXX credit bureaus there are over XXXX total. Under FCRA ( codified at Title 15 United States Code Section 1681 and following ) this constitutes Willful Noncompliance in reporting on your behalf. 
Although your company seems to think that you can take advantage of what you perceive to be an uninformed consumer, I am far from that. I know that under FCRA each separate incident ( Inquiry ) reported where your company has failed to prove Permissible Purpose I am eligible for {$2500.00}. Now as we both know I can retain a law firm that I have worked with very closely in the past do handle this matter and they would gladly take the case and file suit. Your company in an effort to avoid a lengthy lawsuit costing thousands of dollars in attorneys fees and court cost would attempt to settle. Now that is a route I do n't mind going but serving in the XXXX XXXX XXXX of the values instilled in us daily was integrity. Due to the fact I do n't think it 's fair for your company to immediately be forced into paying my attorneys fees and so on I am going to afford you XXXX final opportunity to resolve this matter on a voluntary basis. I do want you to bear in mind I also do n't believe it is fair that your company being the 'Big Business ' you are completely ignores this offer to resolve and merely offers to correct the problem. The XXXX are not XXXX in the same and if you treat them as such I will cease all contact and file suit against your company. 
Here is what I am proposing you immediately remove any and all inquiries from all XXXX credit bureaus and pay me a settlement of {$10000.00}. The offer for settlement is more than fair considering your cost in legal fees would far exceed that amount. This must be done on or before 14 calendar days from receipt of this notice. If you opt to not to do so then I will have no choice but to seek the full amount entitled to under FCRA plus actual damages. Please confirm receipt of this notice by calling XXXX. 
Thank you for your prompt attention to this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX - Initiated letter to Legal department of all 3 Credit bureaus. All three credit bureaus show different amount of this debt. Registered mail.
XX/XX/XXXX - Registered mail to creditor asking them to validate debt through audit certification of debt education to debt entry in accordance with g.a.a.p, I.f.r.s., in accordance with basel 3 accord an u.n.c.i.t.r.a.l conventions. And requested copy of creditor 's Tax Registration certificate.Creditor never validated debt. 

XX/XX/XXXX - Requested creditor ask creditor to validate debt via registered mail.
XX/XX/XXXX - Requested credit bureaus validate debt and amounts via registered mail. 

So forth

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (Credit card debt) with ATG Credit, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have already contacted this company to state I never had a contract with them. 
They are stating I owe for things that have already been paid by my insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Account Name Original Creditor Open Date Status BalanceXXXX-XXXX XXXX XXXX XXXX XXXX XXXX, 2011 Open $ XXXXType Description Additional InformationOwnership I have no knowledge of this account. N/AXXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: It is a charged off account but they are still reporting late payments, a payment due and a balance. This is inaccurate. I want the account removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company called XXXX XXXX / resurgent has a account that they said is from XXXX XXXX with a balance of {$1000.00} and it is reported on my credit profile, I have reached out to this company three times and asked for the original agreement that I signed because that is the only acceptable proof of validation ... and they have not replied or complied and removed the derogatory information, now I need them to get rid of this unknown debt that they never even reached out to me and give me the 30 days to contest the debt, so please I need this information off my credit reports or send me the agreement I signed to enter into a payment agreement ....

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a dispute letter to the credit company for the numerous amounts of unauthorized inquiries on my credit report that impacting my score and chances of acquiring credit. They have been giving me the run around for months about this situation. I sent the letter through certified mail to ensure the safety and timeliness of the letter getting to the credit company. The letters were mailed out on  XXXX   XXXX ,  2017  and I have not received any forms of communication about this situation. I need this deleted off my reports as soon as possible.   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 04-06-2017 about Debt collection (I do not know) with Global Recovery Group (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Amount was included in my bankructy

Company response to consumer: Untimely response
Consumer complaint received 07/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Reference : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX County, XXXXAPN XXXXI XXXX XXXX am the legal owner, with recorded property rights, fee simple, absolute paramount interest to the marital property, community property, A grant deed and order from family law has been perfected in the registry of deeds. 
XXXX XXXX XXXX, ( XXXX ) XXXX which it call center is stationed in XXXX XXXX, and also holds an address at XXXX., XXXX XXXX XXXX, whom was spinned off from OCWEN Loan Servicing , LLC . 
Both OCWEN and XXXX claim they have a right to sell our family home online world wide web thru XXXX, and has connect our home to property I. XXXX XXXX. 
I have researched XXXX XXXX registry of deeds and did not locate any instruments that would give authority to OCWEN and XXXX to sell our home. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX County, XXXX is an awarded asset in family law, the order has been perfected. 
I believe that a fair solution is to identity clean standing and produce true and genuine instruments ; A fair settlement, not just take my home. 
Comply with Consent Order and Homeowner 's Bill of Rights. 
It appears that my order from family law and discharge order bankruptcy has been refused by both parties. I provided all the required information, such as order from Family Law, Discharge Decree Chapter XXXX, Declared Homestead, Grant Deed, repeated times within the stated timeframes, no response or progress was ever made. 
To my knowledge Ocwen Loan Serving , LLC also XXXX have not filed any documents to establish foundation and enforce a debt, much more threaten to seize our family home. 

I request for a full, fair and complete investigation, under the supervision of an assigned Independent Case Examiner.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Read an online news article published XXXX/XXXX/XXXX about Equifax 's security breach that occurred XXXX/XXXX/XXXX and was not disclosed by them until now. I immediately logged on to their website and checked if my identity was compromised, I was informed by them on their website that my data was indeed affected/breached/stolen. I did not receive from Equifax, an email, a text message, a letter of explanation, nor a phone call informing me of their lack of securing my data.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Bank account or service (Other bank product/service) with GLOBAL CLIENT SOLUTIONS, LLC (FL).
Issue: Making/receiving payments, sending money

Complaint: Third party escrow company collected my money for attorneys fees, legal fees, admin fees prior to any of my debt being resolved with a credit card company,

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with Flurish Inc. (CA).
Issue: Can't contact lender or servicer

Complaint: I tried multiple times to apply online and first i need to update my information on my profile. Phone and address are 5 years old. I was advised in several emails from bad service reps, i have to update my info online only. I tried and tried It wo n't save the new info. I have new bank info and how do i fix that? My main complaint is i contine receiving a denial letter when i try to apply!!! Inquiries and denials on my credit. When I went to customer service using their message I received no assistanceand was told to update it online.

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