milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I made an online purchase of multiple clothing items from   XXXX   XXXX   for a total of $ xxxx.xx back in  XXXX . 2016. It was shipped in  XXXX  boxes with   XXXX   separate charges to my credit card. The merchandise was all a size too big and of inferior quality, so all was returned in a fairly timely manner - in one box.   XXXX   credited less than half the amount with assurances that the full amount would be credited. Then, that did not happen ;   XXXX   will only issue a store credit which is not acceptable as the merchandise is not quality.
I opened a dispute with Barclay Card us. Barclay refused assistance of any kind for the following reasons. ( 1 ) They allow only 60 days to file a complaint. When a filed a written response explaining that I had been dealing with the merchant for months, who had assured me of a full refund but never delivered, they refused on a different basis as follows : ( 1 ) Before I returned said merchandise, I was to have gotten a letter from a competitive designer stating that the   XXXX   XXXX   clothing did not fit and was inferior. This information needed to be on the competitive designers letterhead " detailing how the merchandise received from the above merchant was incomplete, unnecessary or of inferior quality, size, color, or unsuitable for the purpose sold etc. PRIOR to returning the merchandise back to the merchant. '' Ridiculous! Take a moment to consider, is it EVER a customary practice to have a competitor write a letter guaranteeing that the merchandise consumers need to return is defective?! This is a outrageous criteria for a bank to insist upon to credit a consumer.
( 2 ) I needed " to supply a letter of intent as proof the merchant intends to credit my account ''!
This is also outrageous criteria for the consumer - is n't this what my fees for this card pay for? It certainly is what   XXXX   XXXX   XXXX   and our American banks do. Barclay 's reasons for blowing off the consumers can not possibly be legal ; their tactics all but guarantee that money will be stolen from us from the big banks as is the case here.
Thank you for reporting this to the authorities. I hope a Barclay can be restricted from doing business in the US.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried to get information from XXXX for several years and have not been able to have student loans on my credit report verified. I have asked for promissory notes, information regarding the opening of these accounts and for all information being reported to ALL XXXX credit bureaus to be verified and reported accurately.
Some time ago I was ordered to appear in from of Judge regarding these student loans, after an information hearing and subsequent status hearing the case against me was dismissed per the Judges orders.
Moreover he also stated that even if XXXX was able to prove the account ownership ( which they ultimately dis not ) the statute of limitations has passed.

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 08/28/2015 about Debt collection (Auto) with CITIBANK, N.A. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called XXXX times in one day to collect a debt that is only XXXX days past due. I been contacted on both cell and home phones with messages being left.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit card () with URS Holding, LLC (NY).
Issue: Delinquent account

Complaint: On XXXX XXXX, XXXX I received a call at work from XXXX XXXX representing United Recovery Systems XXXX XXXX in regards to my father 's XXXX XXXX account ; he is the primary cardholder along with my mother. This was after XXXX XXXX took the monthly payment from my parents joint account which I discovered later that evening. XXXX XXXX proceeded to harass and demand that I do a check over the phone for the full amount of approximately {$3900.00}. I told her I would call her later because this seemed out of the blue and how in the world did my work number get involved if I am not the primary account holder. My parents opened the XXXX XXXX account back in XXXX. They have had the same home phone number since XXXX only now they have voicemail there were no messages or letters received at the home address that mentioned there was a problem with the account that was recently closed due to pressing and serious XXXX issues that caused late payments but from XXXX until now my parents always paid their bills on time. I calmly refused to discuss the account with XXXX XXXX and told her I would call back before XXXX that evening which I did but she apparently was unavailable so I spoke to another rep and told her that XXXX XXXX already deducted the past due amount ; furthermore I told the rep not to call my job ever again otherwise I plan to take this to another level. I do n't have the address of the collection agency because I never received anything in the mail stating that XXXX XXXX turned over the account to them. I did ask the representative that I spoke to later that evening on XXXX XXXX to send me a copy of the letter they allegedly sent.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Advertising and marketing

Complaint: UDAAP violation Chase branch and card services phone staff not trained on product benefits ; key exclusions from " XXXX points transfer to leading hotels '' not disclosed in table signage marketing for the new Chase Sapphire Reserve. It took 40 minutes and multiple phone calls to learn that XXXX XXXX is not eligible for XXXX transfer, after I had already signed up for a card for myself and my husband at {$450.00} cost each. A reasonable person would have assumed XXXX is a " leading hotel. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have financial hardship that caused me to put my loan in deferment status, but the Federal student loan agency reported it as 6 Late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: Unable to get by bots or reach by telephone. Company incommunicado. Contact by message on facebook - only reply as to direct me to a website that charges me illegally for credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: This is my issue with Navient I called and asked about a payment plan and was given XXXX and then they want back on their word. They told me that the lady made a mistake when she told me that. I felt like I should have honor what was told to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Checking or savings account (Other banking product or service) with PNC Bank N.A. (NJ).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On or about XX/XX/XXXX my external transfer access was denied.
XX/XX/XXXX called the customer service number and was told that because the external account did not have my name ( only my husbands name ) that I could not process the external transfer ( this transfer had been in place and had been transferred for the previous 10 months ). The customer service agent advised me to use the POP feature to transfer the money. This issue has been resolved.
The issue I need resolved is the following : When I logged into the POP feature the " accounts to be transferred from '' listed all my current accounts, but also listed nine ( 9 ) additional accounts that were at least eight ( 8 ) years old and all had been closed. The most alarming issue is that these accounts all had balances totaling over {$20000.00}.
I went to the local branch and was told that " there must have been a glitch in the system ''.
I did not accept this as an adequate answer. They then escalated the issue within their customer service. I received a call explaining the external funds issue, but they would not address the balances in the 8 year old closed accounts.
I called several more times to no avail.
In the interim they deleted the old accounts in my POP feature, but one old account still remains ( with a XXXX balance ).

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Trouble during payment process

Complaint: Dealing with Shellpoint Mortgage Servicing 1. Received first letter dated XX/XX/XXXX requesting proof of hazard protection coverage. This is covered by our Homeowners Assoc policy. 
I replied to them on XX/XX/XXXX attaching a copy of our insurance policy.

On XX/XX/XXXX they confirmed that they had received the document. 
2. Received second and final notice from them dated XX/XX/XXXX again requesting proof of hazard protection coverage and threatening to take out insurance cover on our behalf. 
I replied on XX/XX/XXXX stating that I had already sent a copy of the insurance and please do not charge us for any insurance. 
On XX/XX/XXXX they replied and apologized for the confusion caused and said to ignore the letter of XX/XX/XXXX. They stated your insurance is updated and no further information is required. 
3. Received third letter from them dated XX/XX/XXXX again requesting proof of hazard protection coverage and stating that they have placed lender insurance coverage on our property at a cost of {$2200.00} and that our monthly payments will be adjusted to cover this cost. 
I replied on XX/XX/XXXX to say that they must have made an error as we have already given them proof of the insurance and they have confirmed receipt of this, and that they MUST NOT charge us for insurance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Credit card protection / Debt protection

Complaint: I fully paid for a flight using points earned via my Citi Prestige card which was delayed by over 5 hours. The benefit of the card states that " If a Covered Traveler 's Trip on a Common Carrier is delayed for at least 3 hours, we may reimburse you for expenses incurred because of the delay. '' Additionally, the benefit states that " This benefit covers [ Lodging, meals ... ], as long as they are reasonable and necessary for the Covered Traveler to incur during the delay. '' The claim center admitted that my claim was legitimate, as evidenced by the attached e-mail stating that a portion of the claimed amount was legitimate. However, in speaking with them over the phone, two parts of my claim were denied, which were legitimate. The first was a tip on a meal eaten while delayed in XXXX. The meal was reimbursed, but not the tip. However, in our society, tips are de facto necessary, since if no one tipped, the wait staff would be paid under minimum wage, which is illegal. Therefore, paying tip on the meal was necessary and reasonable during our delay, and should therefore be covered by the trip delay coverage ( The receipt of this meal is attached ). Second, we had a reserved hotel for the night of XX/XX/2016 on XXXX, which requires a water ferry and a taxi from the airport to reach. As a result of the delay, we were unable to reach the hotel in time and had to forfeit our hotel for the first night, which carried a cost of over {$500.00} ( initial reservation and cancellation receipt attached ). This expense was necessarily incurred as a direct result of our delay, and reserving a roof over one 's head is a reasonable expense, and should therefore be covered by the trip delay protection as written.

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 07/15/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is a tax lien from XX/XX/XXXX that has been paid and released in XX/XX/XXXX. It is still showing on my report. I thought it should be deleted from the report by now. 
Tax Lien Date Filed : XX/XX/XXXX Case Number : XXXX Court Number/Name : Court Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Amount : {$3800.00} Class : State Date Reported : N/A Lien Status : Date Released : XX/XX/XXXX Date Verified :

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Student loan (Private student loan) with SLM CORPORATION (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: RE : CFPB Complaint - XXXX Sallie Mae has not updated the address as the said they would and have now increased his APR to 10.25 % ( XXXX ) and 8.250 % ( XXXX ) although they know he is XXXX in the XXXX XXXX as a XXXX. I am paying on his account and handling his finances while he away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Debt collection (Medical) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: That by law since the account was purchased from the original creditor, the XXXX paid your debt. Thus making the original terms, conditions and legal obligation to pay the alleged debt void. Since the alleged debt was paid off to the original creditor that under certain sections of FDCPA, paying the debt without an agreement with XXXX to pay the debt, voids any claim. Under the FCRA and FDCPA, provides that adequate validation be provided. They did not provide adequate validation that the account is in deed yours and that you owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid in full and received it in writing however afni still acquired the account way after settlement and it 's showing on my credit report. Afni should not be reflected anywhere on my report because it was paid in full to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a proper dispute with Equifax on a reported judgment that was never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I disputed this judgment with Equifax , sent Certified mail ( tracking # XXXX ) on XXXX/XXXX/2016, on the grounds just stated. Equifax received my dispute on XXXX/XXXX/2016 according to USPS tracking information. My dispute results are dated XXXX/XXXX/2016 where Equifax states that the results for the judgments are : 1. ) We have verified that this public record is reporting correctly. 

I have checked with my XXXX County Clerk of Court, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me ( proof is attached ). In my dispute letter, I asked Equifax to provide Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the Clerk of Court has no way of verifying the " non-existence '' of a recorded document. 

It is clear that Equifax has not properly investigated this matter within the few short days that it took to read my dispute letter and update my credit file. 

Please note, The XXXX County Clerk of Circuit Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc ) for XXXX County. The county has no record on file matching what appears on my credit file. 

I have also included a printout from the XXXX County website which shows the website used to search XXXX County public records ( XXXX ) is the valid source to find these documents. This list shows all of the public records that exist in my name, none of which is the judgment being reported in my credit file. I have also included the letter originally sent to Equifax , the credit report with disputed judgments, the USPS tracking ( # XXXX ) showing the timeframe between the dispute being received and the results being sent, and the results of the Equifax dispute. Please delete this judgment from my credit report. 

Please use the proper resources provided by the XXXX County Courts to research Recorded Documents/Instruments, as an automated verification with a third party, or using lists of case files are not thorough investigative actions in researching valid Recorded Documents. 

XXXX County Register 's Office at ( XXXX ) XXXX XXXX County Land Records website is XXXX ( Clerk of Court will verify that judgments are in fact listed here with real estate records and deeds if you call or email XXXXXXXXXXXX to inquire ). 

Thank you very much for your time resolving this matter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Late fee

Complaint: I was charged a late payment fee on my credit card statement, but my payment was not late.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Consumer Loan (Installment loan) with Marlette Funding, LLC (VA).
Issue: Managing the loan or lease

Complaint: I have a loan I took out with Best Egg. Every time I login to check a balance or see activity they have denied me access to it from the beginning even though I have never been delinquent. When I have repeatedly made the request to have it available to me online when I log in -- they always give me the excuse that they can not post the information online because it is a privacy issue. The only hope I have of even getting close to getting a statement is by looking at the payoff balance which they tell me is subject to change at any time. I have access to all my daily activity reports and statements with all my financial institutions. There is no excuse for telling me that I can not see any statements online. I believe that they are withholding information that they do not want me to have access to. If so, I will apply for another loan elsewhere and close this one out but right now, I have not seen anything approximating an accurate or up to date statement. My sense is that they are scamming me somewhere in the process.

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 08/20/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Application, originator, mortgage broker

Complaint: Had a mortgage and refinanced with Bank of America they used the wrong tax ID number and legal description which I did not know they had done. then I filed a chapter XXXX to which they hid the error remitted the corrupted mortgage documents to FHA XXXXand the loan has a retired tax ID and legal description. I tried to get them to correct as they have both the houses which is lot one and lot XXXX using the old legal description and tax ID number. they lied claimed they were correcting the error instead was trying to sell the loan to Nationstar mortgage who told me they refused to buy it because of the corrupt documents. they stiffed FHA FHA has an insured mortgage with no property -- actually no Tax ID or legal description with XXXX housesI sent all the information to OCC which they claim they remitted to you I can recopy all the documents and send them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 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: Old information reappears or never goes away

Complaint: XXXX routinely tries to collect a debt past the 4-year statute of limitations. I receive emails and letters asking me to pay a balance that I am no longer liable for, and when I call them they tell me to pay. Then XXXX changed the last date of payment to reflect a more recent year to keep the debt on my credit report. I disputed it with the credit bureaus. This loan was taken out in 2010. This is fraudulent and illegal. It is way past the 4-year limit statute to collect allowed under California law.

Company response to consumer: Closed with explanation