milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CT).
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: On my XX/XX/XXXX bill there was a charge for XXXX dollars from XXXX XXXX which i did not authorize, I called the XXXX XXXX who handles my XXXX reward card since I did not know who XXXX XXXX was, i was told that XXXX XXXX was billing on behalf of XXXX a company that i purchased a year long XXXX coverage I attempted to call XXXX XXXX with no success so I had a three way call with the bank and XXXX XXXX since they were able to get thru to them where I was not. I was told by the bank that I had to contact XXXX which has no phone number only a live chat which went around in circles since no one on the chat could resolve the problem I was told I would be contacted via email which never happened. I recieved a letter from the bank that stated they needed my permission to consider it fraud and they would send me a new card, I sent that back. My XX/XX/XXXX bill arrived and the charge was still on it so I called them again. They said they were still investigating this charge. They are now sending me a no charge credit card, Today I got a call from the bank, the dispute department, they have no info, issued a new claim number and they now want me to send them some screen shots my brother took. This has caused me hours and hours of my time, some time on my brothers part and a lot of frustration. I feel that they are putting undue pressure on me to pay this fraudulent charge by making it time prohibitive for me to continue to persue this issue. This is the very short version

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 02-10-2017 about Debt collection (I do not know) with Global Recovery Group (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I am receiving threatening phone calls stating I owe money but will not tell me what this is for. XXXX. I am recently widow and I am scared.

Company response to consumer: Untimely response
Consumer complaint received 12/15/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: WE PURCHASED AN OVEN FROM THE LOWE 'S XXXX STORE IN XXXX 2016 AND OPENED A CREDIT CARD ACCOUNT TO GET AN EXTRA 5 % OFF. 
They delivered the wrong oven & returned it to there store in XXXX Florida. 
We never received any goods ( oven ) or services from Lowe 's so we cancelled the oven on XXXX XXXX, 2016. They are now, Lowe 's credit, sending me a bill for {$180.00}. Again, we never received any goods or services ... just frustration in trying to get the oven we ordered. We called Lowe 's Corporate offices in North Carolina but they advised it was a store/credit issue and they would not get involved??? 
So, we had no oven for XXXX, only frustration and now they want us to pay for something we do not have and never had..

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 07-11-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I was denied access to my funds at the Chase branch located at XXXX XXXX XXXX XXXX, NY XXXX. I was a victim of profiling and discrimination at this location and forced to use another Chase branch to conduct my transaction. This event has caused me a lot of pain and suffering and will be considering legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Closing/Cancelling account

Complaint: Hello - I am hoping you can help me with an issue that seems to be spiraling out of control. I have multiple credit cards that are owned/handled by synchrony bank. My husband left a year ago and as a result my finances were severely impacted and I missed a payment here and there on those cards. Some, however, I have never missed. As a result, Synchrony began systematically canceling my credit cards stating " serious delinquency, time since delinquency is to recent or unknown, revolving accounts is too high, number of accounts with delinquency. '' While I do not dispute that I have missed a payment from time to time, I do have a MASSIVE issue with the fact that, at this point, Synchrony bank is single handedly ruining my credit by continuing to cancel credit card after credit card, many of which were COMPLETELY paid off. I have no idea what my recourses are at this point, and I need some help/advice on what to do to resolve this snowballing problem.

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 07-01-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problems caused by my funds being low

Complaint: HELLO, MY name is XXXX XXXX XXXXI live in Massachusetts. 
I am hereby filing my Complaint against XXXX banks. 
1.XXXX 2, Citizens bank 3. XXXX XXXX XXXX. 
These bank 's I have done business in the past and they refuse to open an accountwith me because td is now showing overdrafts fee 's in which they charge in excess. 
They have reported me to the XXXX in which I want my name removed. 
I feel im entitled to have a bank account without this hassle. 
I owe no fees 's with Citizens or XXXX XXXX XXXX. 
If i want to open somewhere else i need to get this matter resolved. 
These banks are in massachusettsSincerely yours, XXXX XXXX XXXX

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My SSN and credit reports were part of the group impacted by the EquiFax breach.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problems caused by my funds being low

Complaint: I received an overdraft fee for an ACH transaction that was an annual fee and was not aware it was billed until I saw the information on my mobile app. I called BOA and asked for a courtesy exception and they advised I 've already had a courtesy exception in XXXX and they would n't be able to give a XXXX exception. I requested to speak to a Supervisor whose name XXXX XXXX and I placed my fianc on the phone as I was frustrated. My fianc questioned if there had ever been XXXX exceptions given and he advised that they had but due to the circumstances on my account we would n't be able to get a XXXX exception due to the fact she had XXXX overdrafts ( which were debits and per their policy if its approved at swipe their is no overdraft charge ) XXXX of those were not charged a fee and XXXX had, with the XXXX being credited in XXXX and the most recent being our requested now and how deeply her account is overdrawn. He stated that XXXX exceptions are given and upon further research I know that more than XXXX are given to different account holders. My impression was that because we were n't " High Value '' we were denied a XXXX annual exception. I just feel that it 's discriminatory that others are able to receive XXXX, and XXXX exceptions and we 're not. While the reasons behind the multiple exceptions are privy to each account holder receiving the waiver the fact that it 's given we should qualify if we 're talking about fair banking.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: We paid monthly mortgage in XXXX installments ( XXXX payment every 2 weeks ). It was sent directly from our checking account XXXX biz days prior to due date. 
Worked great until XXXX 2016. At that time, DiTech began to send us past due notices, as their computer system was not recognizing the second payment. Despite the fact we paid mortgage plus an additional ~ {$400.00} to principle, late fees were added every month. Then Collections agencies started calling and showing up at our door. Our home was threatened with foreclosure. And yet, we had never missed a payment nor had a late payment. DiTech continues to harass us for this same issue month after month, despite many many calls to their Customer Service. Each call confirms that DiTech has received our payment on time and promises corrective action in their systems! But yet, the cycle starts again the next month. Unbelievable!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Account opening, closing, or management

Complaint: XXXX/XXXX/16 my husband and I traded our vehicle and the payment was upcoming due on the XXXX XXXX of XXXX 2016, however the dealership stated they were paying it off and for us not to make the payment on XXXX XXXX ND 2016. The bank went into our joint savings and withdrew the payment. For XXXX it 's not just my husband 's money it 's mine as well when I called the bank 3 times they did not want to speak with me because I was not on the auto loan. But they still touch my money out of my savings so how do you explain that. However I finally spoke with XXXX or XXXX from collections department, and she understood what happened and stated she would reverse the payment. It is Saturday the XXXX the of XXXX and nothing is back yet. I called again and spoke with a XXXX and gave me attitude and kept arguing with me! I asked for managers and supposedly there was not any asked for a supervisor and he was understandin and explained what was happening with the reverse funds. I need in writing that a loan that only my husband has they have the right to withdraw from a joint account when I 'm not on that loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Debt collection (I do not know) with Monterey Financial Services LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have had this company reporting to my credit report since XX/XX/XXXX. I recently began cleaning up my credit and have asked this company twice via certified mail to validate this debt to them. I sent the first certified letter on XX/XX/XXXX, they signed for this letter on XX/XX/XXXX. I sent the second certified letter on XX/XX/XXXX, they signed for this letter on XX/XX/XXXX. To date they have not responded and they have not complied with fcra laws regarding marking the credit report disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NE).
Issue: Loan servicing, payments, escrow account

Complaint: The loan servicing of my mortgage was transferred to Shellpoint Mortgage Servicing. A letter from Shellpoint dated XXXX/XXXX/15 said that effective XXXX/XXXX/15 Shellpoint was responsible for ongoing administration of my loan including receipt and processing of my mortgage payment. I called on XXXX/XXXX/15 at XXXX CST and spoke and emailed a copy of the " boarding '' letter to XXXX XXXX XXXX XXXX XXXX XXXX I attempted to make a mortgage payment and was told they have no record of the new loan even though he agreed they sent the letter. He told me to keep calling back until the loan is loaded onto their system. They have no system in place to call me back or allow me to speak to anyone further at this point. 

I have another loan with Shellpoint that they have serviced for some time. They kept confusing that loan with the recent loan transferred to them. In short there is no accountability. XXXX XXXX had no way to speak to their loan servicing department or the department that was " boarding '' the loan that was just transferred 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 08/21/2016 about Credit card () with WELLS FARGO & COMPANY (NM).
Issue: Closing/Cancelling account

Complaint: Disputed an ( Open ) Account # XXXX that, should be of a Pay Status of a Collection/Chargeoff Since, 2010. 

The Pay Status is Listed as, Current thus, effecting my Ability to Reduce my ( # of ) Open Accounts and Reduce my Rent Cost in Order to Pay Bills. 

Limit XXXX Balance XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Vehicle loan or lease (Loan) with SECURITY FINANCE CORP (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: My vehicle was illegally repossessed beyond my control with family members who are file for sabatoge and I have recorded and documented evidence of payments and I was rip-off ever since the signature for the contract of XXXX XXXX XXXX which is located at XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. And I have logged detailed reports to they 're Corporate offices and the BBB of XXXX Texas on documented file.

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 12-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/2013 I received a 3 day pay or quit notice by mail from my apartment complex. I moved out on XXXX/XXXX/2013. The apartment complex never furnished me with receipts to cover the costs of the alleged debts I owed them resulting from damage and cleaning. Especially not within 21 days of my surrender of the unit. The apartment complex alleges that I owe them for unpaid rent and damages to the dwelling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have an account with Equifax that was removed and has returned. 

XXXX : removed on XX/XX/2016 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (RI).
Issue: Trouble during payment process

Complaint: I filed complaint with CFPB  XXXX  it is listed as resolved but it is not resolved.   I would like to have the complaint reopened and I would like to dispute the company 's response On  X/XX/2017    the company responded that they would release the loan in  24 to 48  hours but they have not. I have been calling and emailing their compliance department and Release of lien department but have not received a response. They can not play a 60 day window. the 60 day window should have started on   XXXX   XXXX  . I need this resolved now because I am tied up in a refinance right now and will soon be losing more money in non refundable closing costs.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: While reviewing my credit files. I noticed a collection from Optimum Outcomes. I have never had any contract with this company. I have written to them several times to send me validation of said debt and have received nothing. Their negative information is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XXXX XXXX, XXXX, I requested Equifax to dispute the following unauthorized Inquiries on my credit report and was told to contact them directly! But it 's the credit bureau job to investigate my claim and they refused. 

The following companies made unauthorized Inquiries on my credit flies. 

XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America set up an unauthorized automatic payment from my credit union checking account when I explicitly asked them not to. They then withdrew funds from my account after I had already paid my mortgage, causing my account to be overdrawn. I accessed penalties from my other financial institution and will now have to pay interest and overdraft fees. This is a result of money being taken out of overdraft proctection account to cover the errorenous charges.

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 09/19/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to XXXX to request my free annual 12 month credit reports but each company turned me down and had different information and reasons why I needed to fill out forms and answer different questions to information that they asked and most of this information was incorrect. So therefore they requested I apply/request for my free credit reports by mail and provide the information and proof of Identity and addresses and other information that they requested and answer some questions they had before I sent in the forms and proof of information they require. I also am on XXXX thru Social Security and received a letter on XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX about my company that I am with for my Medicare part XXXX ( XXXX ) sent a letter stating that on XXXX XXXX, XXXX this company newkirk is a service provider that issues heathcare id cards for my ( prescription drug plan part XXXX ) thru XXXX XXXX XXXX, had a cyber security incident that my have affected my personal information. I am also going to include a copy of this letter to all XXXX credit bureaus and if needed can send you a copy also. But I also had identity theft that filed XX/XX/XXXX. I had put a security freeze on my accounts also back then, I do not know where or what my XXXX digit numbers they assigned me back then are anymore as I had requested these be removed awhile ago. 
Please let me know there is anything further you need from me. I can be reached via email at XXXXXXXXXXXX or text/phone at XXXX. I also have signed up thru myscore and transunion which came back as XXXX an they also states that they will monitor and safeguard my credit reports and I signed up for this on XXXX/XXXX/XXXX. I also will be contacting XXXX company to enroll in the protection services they are providing which are as follows : Allclear Identity Repair and Allclear Identity Theft Monitoring. And providing them with any disputes and information that is in accurate once I receive my credit reports from all three credit agencies. I appreciate your time and efforts in supplying me with any help in this matter. Also if there is anything further needed from me please do not hesitate to contact me. You can also send any information you find in writing or paper form to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, Minnesota XXXX Sincerely, XXXX XXXX XXXX Thanks so much Also my control number thru the office and management and budget is XXXX XXXX this is the control number assigned

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX, TRANSUNION, and XXXX must stop reporting late payments on my student loans. 

XXXX records are not accurate. 

US DEPT OF EDUCATION NATIONAL STUDENT LOAN DATABASE ( NSLDS ) shows my loans were in FORBEARANCE at the time XXXX is reporting late payments. 

US DEPT OF EDUCATION STATES LOANS IN FORBERANCE XXXX STATES LOANS WERE NOT IN FORBEARANCE IS IN WILFULL NON COMPLIANCE WITH THE FCRA IT IS UNLAWFUL FOR XXXX, TRANSUNION, AND XXXX TO KEEP REPORTING INACCURATE INFORMATION

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 06-02-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Bankruptcy

Complaint: This account was closed XXXX 2009 under bankruptcy filed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion is reporting an account that is closed, paid, and was agreed to be deleted from my credit file.

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 07/23/2016 about Credit reporting () with STERLING INFOSYSTEMS INC (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The company that I work for did a criminal background check for a promotion, I was denied that promotion due to inaccurate information. XX/XX/2016, I received XXXX XXXX, I was informed by the judge and my lawyer that it should take up to two weeks for the felony to be dropped from my record. I have contacted my lawyer as well to understand what went wrong.

Company response to consumer: Closed with explanation