milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Mortgage (Other type of mortgage) with BARCLAYS BANK DELAWARE (VA).
Issue: Struggling to pay mortgage

Complaint: We attended a very high pressure sales and " owner update '' in XXXX on XX/XX/XXXX at the XXXX XXXX XXXX sales office while staying at XXXX XXXX. I had suffered a XXXX XX/XX/XXXX, about six weeks before our sales presentation, after being XXXX XXXX XXXX XXXX XXXX  while I was walking in downtown XX/XX/XXXX. We repeatedly stated that we could not afford anything that would require a loan, and did not like the difficulty we encountered finding availability. Maintenance fees were rising faster than we expected. The salesman repeatedly assured us that if we took advantage of the promotion offered that day, we would not have to worry about any maintenance fees after the XXXX calendar year, thereby saving money over the long run. He said this promotion would have been offered to us had we participated in dinner meeting offers over the previous year. Both the salesman and his supervisor confirmed this special offer. We were told that we would no longer have to pay for annual maintenance fees, having qualified to participate in the special program that was not publicly available. The salesman illustrated in chart form on a paper how this program would save us money by trading in part of total our points each year. He said the remaining points would actually get " treated as double points. '' They both explained we would receive a phone call ( annually ) in XXXX right after our maintenance fee bill arrived and would be guided to trade in the proper number of points to write off the entire maintenance fees each year. In order to take advantage of the offer we opened up 2 credit cards ( in each of our names ) with Barclay to pay for the contracted points at 6 months no interest although only one of us actually had income at the time.
# 1 - {$16000.00} # 2 - {$6700.00} This past XX/XX/XXXX, when the call never came, we started contacting XXXX XXXX on XX/XX/XXXX to find out what happened to the special program, where we were told that no such program exists and it 's not in our contract so we are out of luck. We asked for a financial waiver again inXX/XX/XXXX due to medical expenses, but were refused a refund as they denied any bait and switch tactics, but we were told we could return our contracts for a fee to avoid future maintenance fees, but are still responsible for the $ 22,000+.
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Due to unexpected and ongoing medical bills over the last 2 years, we have had trouble making payments on this and other credit card loans and are desperately trying to maintain our good credit rating. We have been transferring the balances to other credit cards to maintain low interest, incurring fees each time we do so. We feel that the promises made by the salesman and his supervisor were misrepresentations, and by the time we confirmed that the program did not exist it was too late to get out of our contract.

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 05/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016, I submitted a complaint # XXXX to the CFPB regarding excessive charges by Citibank. Subsequent to my complaint, Citibank has retaliated by cutting off access to my checking account. When I log in online I ca n't see any details of my account. I ca n't access my balance, transfer funds, or even see which bills I have or have not paid. I need full, unrestricted access to my checking account, and Citibank needs to refund any fees that may result from restricting my access to my money.

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 09/29/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: This situation has been going on for years since Walmart switched over to mastercard.I have always paid my account on time .But for years I 've been getting charged interest on purchases that were for no interest .I had receipts showing the no interest .And Walmart would advertise these promotions and not honor them .Then I would pay off promotional balances and Walmart would turn right around after I  would pay off the promotion and charge me the full interest .There is 2 promotions one for  XXXX and the other in XXXX that I did n't pay off but the other promotions I did before they expired.I have prove of all my payments I 've paid thousands of dollars within the past few years .and it seems like my account is n't decreasing .I turned them in to the Attorney General in XXXX of XXXX they told me they could n't do anything.I contacted Walmart credit card recently I told them my account does n't look right .Basically they sent me a letter stating they were n't removing any fees.I have prove .I 'm in the process of either filing bankruptcy to get rid of the account or taking there bank to small claims court.So it can be figured out where my money is going.I stopped making payments because if my account just keeps increasing .ME making payments is only benefiting them.They are also giving me a negative credit reporting.When I pay my bills on time .This situation is hurting my credit score.

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 10-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The Best Service Co.,Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Best Service Company has been harassing me trying to collect a debt I do not owe. Although the original creditor sent me a letter XX/XX/XXXX stating that they did not have any record of the alleged debt this collection agency has been harassing, and report negation information to the credit bureaus. I am also here, reporting the unfair behavior of XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX, New Mexico for telling me on one hand that they did not have any record of this alleged debt, and on the other hand allowing their collectors to harass me XX/XX/XXXX. 
Enclosed is a copy of the letter from the original Creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: The managers at the Bank of America location on XXXX XXXX XXXX XXXX XXXX, Tx XXXX verbally refused to submit a suspected abuse of elderly report despite many family members requesting it and an investigation into the practices of one of the account holders who has been forging signatures and is suspected of misapplying, misappropriating money belonging to family members.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: current item in public record, wage earner plan filed XXXX is reporting inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: OCWEN finiacial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID ( OCD ) My house was foreclosed XXXX XXXX 2015. WHICH I should have enter the six month redemption period. Ocwen has ignored the redemption laws/rules will not allow me to participate in the redemption of my home. THE Customer rep is a call center is from a in XXXX who is reading off his screen. OCWEN does not have a foreclosure departtment. And it 's website is down which prevents anyone to lodging a compliant. The customer rep told me I could not redeem my home period with no reasoning to why not. He then told me to go XXXX a home seller website which does n't list my home. What he told me over the phone originally that the refrence number was a customer care rep of OCWEN instead it was XXXX. 
I ca n't reach a single person in the company to discuss the matter. I have not received a single letter since the forclosed sale. I 'm only asking that OCWEN allow me my right to redeem my home at fair market value. And to woefully allow me to actively participate in my redeption period. MY LOAN NUMBER IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with CITIBANK, N.A. (NC).
Issue: Other

Complaint: CBNA/The Home Depot  is reporting a charged off authorized user account I was on to my credit. I am not financially responsible and this is illegal to do.

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 03/23/2015 about Debt collection (Medical) with Agency of Credit Control (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I wrote the debt collector a letter to dispute the charges based on my dentist lying to me about when the procedure was necessary. They originally stated that my balance was {$670.00} upon receiving the debt verification invoice from them they stated the correct total of {$530.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: " XXXX XXXX XXXX '' credit inquiry reported on XXXX/XXXX/2016 is not something I authorized. I suspect my identity has been stolen

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 02/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: To whom it may concern : I respectfully request a credit freeze on my credit file. My name is XXXX I am victim of identity theft and have attached a copy of the investigative report from my local law enforcement agency. Per the laws of the state of OHIO, I do not have to render a fee for the aforementioned freeze request. There is a XXXX account that someone tried to apply for that I never authorized or applied for Please delete the inquiry from my Credit Report it is Fraud. 

My current address is : XXXX, OH XXXX My Social Security number is : XXXX My DOB is : 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 03-10-2017 about Debt collection (Non-federal student loan) with Texas Guaranteed (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I paid {$500.00} to receive a XXXX yr forgiveness on a student loan. I was granted the forgiveness and a payment plan was established with the Federal government. To date, those payments are current. The loans that were supposedly forgiven ( school is defunct ) are now being garnished from my wages because a debt collector sent a letter to my employer stating that by law the money can still be collected. The collector stated a court order, however no court order was sent to my employer or myself. The order was issued by the collector. According to my credit report, the loans that were forgiven are listed as closed. These are now being garnished from my wages by the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted Equifax to dispute a collection item listed on my credit from XXXX XXXX XXXX XXXX. Equifax clearly has not validated this item with XXXX XXXX XXXX XXXX who has not provide me with any documentation showing that I was supposedly admitted to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I called and spoke with representative from XXXX XXXX XXXX today XXXX/XXXX/XXXX who advice me that it is not XXXX XXXX XXXX responsibility or job to validate debt. Representative informed me it is the responsibility of Equifax to investigate item and determine whether or not debt reporting is accurate. I would appreciate if Equifax would do their job properly to truly investigate this item thoroughly. Neither Equifax or XXXX XXXX XXXX have mail to me any documentation to validate this debt. The representatives from XXXX XXXX know that Equifax or other collection agencies are not going to make them validate item and just wait out the 30 or 60 days required by Federal law to investigate disputes such as mine or just tell Equifax the item is valid if they just simply verify my social security number and/or address without providing any additional documentation to validate debit

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Checking or savings account (Checking account) with U.S. BANCORP (IL).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: Hello- My checking account ending ending in XXXX was closed and charged a Force-Closed account fee of XXXX all while incurring XXXX in monthly charges as well. I am a credit card customer of US Bank and the account is supposed to be fee free. Well they put me in the wrong checking account so I was being charged a fee. When I pointed out there mistake they said I would have to pay the monthly charges on the account before the would close it an reopen the correct checking account that is fee free being a credit card customer. I refused and said it was not my fault. So instead they closed my checking account and was charged XXXX as a " Force '' fee. This is like XXXX XXXX opening up accounts for customers that they didn't need in the first place.

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 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am unable to access my Equifax report, through Equifax directly or any other third party, it states error. This has happened to me numerous times. I believe I have what is a split file with equifax. I have contacted them on several occasions and they claim I have to pay for my report to be fixed which is a lie. They are extremely hard to understand and it has happened several times. Now i am unable to get a mortgage because I have no report or score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Screening Reports Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Screening Reports Inc,  reported to   XXXX   XXXX   that my credit report states that my home mortgage loan with   XXXX   XXXX   is in foreclosure and my application was denied. I retrieved my  XXXX  report that does not show a foreclosure and I contacted   XXXX   XXXX   to make sure I am not in foreclosure and reported back to  Screening Reports Inc  and they are asking that I get a letter from the Mortgage  Company  in which the Mortgage company told me to provide them with my most recent statement and payment history.

Company response to consumer: Untimely response
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Atlanticus Services Corporation (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: on XX/XX/2017 I applied for XXXX XXXX credit card and I had hard inquiry on XXXX  which fine and normal then I found another hard inquiry for same company on XX/XX/2017 I did apply for the credit onetime and I got approved on XX/XX/2017 for credit line XXXX . I never apply again to get another hard inquiry for same credit card in few week after XX/XX/2017. its from XXXX XXXX for XXXX XXXX XXXX XXXX. thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Cancellation of Debt Form XXXX for {$30000.00} was sent to IRS for XXXX. The property involved was discharged in XXXX. I have enclosed copies of my Chapter XXXX Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (MN).
Issue: Unauthorized transactions or other transaction problem

Complaint: I had made a sale on XXXX and the payment was processing!! The gentlemen that I had spoke to had stated I could ship the item to the buyer, as soon as the item was delivered the payment was canceled!! And now Im out a sum of XXXX I had made 6 calls to PayPal to get my money back and they keep giving me the run around and keep telling me every time that it will take 24-48 hours to complete!! Nothing in being done!! I want my {$96.00} back

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I believe I was a victim of the Equifax hack and have had my personal information stolen sometime between XX/XX/XXXX and XX/XX/XXXX. I am closely monitoring my accounts for suspicious activity. I have placed a 90 day fraud alert on my files as of XX/XX/XXXX. Currently, I suspect a line of credit from XXXX XXXX for {$10000.00} to be opened under my name falsely.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have worked feverishly with XXXX XXXX Bank to get this account back to positive status. After getting this account out of the negative status. I called the credit bureaus requesting the process for updating accounts. I was told they update accounts as soon as the creditor reports the change. I was told by the credit bureau that I would need to contact the creditor. I called the creditor twice receiving the same information. The creditor advised my account information was updated on XXXX/XXXX/2016 with all XXXX credit bureaus. However, only XXXX and XXXX have updated this account. Equifax continues to state they are waiting for a update from the creditor. As a consumer I feel that this is unfair. As a matter of fact, my credit report reflects no updates since XXXX/XXXX/2016. When there have been various changes to my report. I am asking for assistance with correct reporting to consumer reports. If this was something negative they would not hesitate to report the negative information!!

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: It is unfair that I should have to pay to freeze my credit report. I made no agreements with transunion to be included in their database. But the damage that may be caused to my life is substantial, if they approve credit to an identity thief. They already make money off of information about me I wish they did not have. It is unfair that I should have to pay them to protect myself from them.

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 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Please see attached credit card statement that was paid in full XXXX. Amount due was XXXX and XXXX paid was XXXX. Today, I received another bill for interest for XXXX. When speaking to XXXX at Capital One, who refused to give me his last name, after quoting me rate and terms, he said the charges are for interest from XXXX XXXX. So basically, if they can continue to charge you interest on interest, basically, you can never then fully pay the account in full. 

I asked them if they were regulated under the CFPB and they also would not answer my question. They have refused to reverse the charge and now transferred me to XXXX XXXX. 

Is it legal to charge interest on interest?

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: I am having a problem with simple bank and there where fraudulent Activity from  XXXX  in my Account there was a complaint Filled for this before and yesterday   XXXX   XXXX   XXXX     Simple Closed My Cheecking Account for no Valid Respond. And I spoke to Simple Support team and the Agents wo n't talk to me or Provide me any Informal about my account why it was blocked and closed this is Illegal and what this bank is doing its Againts Customers Policy its not my fault there is fraud Activity and what the bank is doing is discriminating me Please Helo ... And I get   XXXX   XXXX   Benifits on this account it 's not fair what this bank has done to me I want for simple to returned all my ACH Checks back to my Payer or Sender please help.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (FM).
Issue: Managing the loan or lease

Complaint: 4 MONTHS AGO NISSAN DID NOT POST MY PAYMENT TO MYACCOUNT PROPERLY AND HAD REPORTED ME 30 DAYS LATE, SOLVEPROBLEM AND WAS TOLD THEY WOULD FIX THE LATE PAYMENTON MY CREDIT REPORT. NO LATE CHARGES WERE EVER POSTEDAND ACCOUNT IS UP TO DATECREDIT REPORTING OF LATE PAYMENT NEVER FIXED

Company response to consumer: Closed with explanation