milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2017 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was the victim of aggravated identity fraud per th e US  Department of Justice. I was advised to fill out paperwork on the FTC website and I did and correspondedly sent letter to the affected accounts of mine. I sent letters  to 6 of my cr editors in early   XXXX  . Since then  4  have deemed  the U  S  DOJ and the Internal Revenue Service as accurate that fraud took place regarding my name and my wife 's name. For some reason Barclays and  XXXX   XXXX   (   XXXX  is still in review ) are the only ones who have n't refunded me my money. Barclays flat out denied my claims all the while disregarding the paperwork the federal entities have provided.  XXXX   XXXX  in the  Executive Office  has n't followed through on my request that I get the reason for denial with the corresponding reason why each charge is being stuck with me. I 've reached out to several of the vendors on the list and they have inaccurate information on me whether it 's the wrong name, address, etc . Barclays c learly did n't do a full review on these charges. I 'm submitting this again so this file can be reviewed again in full. I 've Also submitted these papers to the Delaware state banking commission that also regulated Barclays on the state level. They 've received my paperwork and based off our hour long phone call, they were in agreement that  Barclay  's has n't been forthcoming among other issues. I 'm submitting this through the CFPB to get further help so the money stolen from me can rightfully be returned. Many thanks for your review

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, transunion, XXXX, has reported a fraudulent account on my credit report

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the XXXX XXXX XXXX all XXXX credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the XXXX XXXX XXXX to demand on my behalf that all XXXX credit bureaus remove all of this Consumer 's XXXX XXXX XXXXs, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX or similarly sensitive information. All relations with these XXXX credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all XXXX credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the XXXX XXXX XXXX for protecting XXXX XXXX information, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Keep calling. Threatening to sue. Garnish wages. Call place of employment. Family and friends.

Company response to consumer: Untimely response
Consumer complaint received 05/15/2017 about Debt collection (Auto debt) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This vehicle was repossessed b y NFCU in  t he State of F lorida on or about,     X/XX/2014   , a nd resold on or about   XX/XX/2014 .    Under the laws of the State of ( State of Repo ) U CC 9.506 and Sta te  RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices   were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.   Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.   If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.   In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all availabl e State and Federal statutes and UCC 9 remedies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I always make my payment on time. I am never late and try to use the card as much as possible. I had made a payment to the card without realizing I had accidentally grabbed the wrong banking information. When I realized I had submitted my payment it was already too late to cancel. Capital one advised me to wait until the payment was returned then just submit the payment again and I should be fine. So I did just that. HAD I KNOWN if waiting for the return payment to process on my account would negatively impact my ability to request a credit limit increase, I would have said something right then and there! The online system did n't not let me resubmit a payment. Might I add that I did pay my balance completely off a few days later using the right banking information. My complaint is that I tried to request a credit limit increase and was declined because of my human error. My credit is decent and I always pay on time. The customer service reps do not care about the consumer, only the interest of the company and will not remove the return payment. Now my credit is affected by this and all I was doing was following directions. All i want is the return payment to be removed from my profile. I have called multiple times and got tye same answer that i have to wait up to 12 months for it to go away. I am lost for words. Alibi want to do is get a credit limit increase and now I can not.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: After approving our loan and having us remove contingencies on our purchase Bank of America XXXX XXXX branch reversed their decision based on a condition that they had not mentioned at any time during the 2 months that the preapproval process took. During that time we incurred financial expenses that we are requesting the bank to compensate us for. These expenses include the non refundable escrow deposit, the property appraisal and travel costs. Note that we are respected clients of BOA since 25 years.

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 06-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (UT).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Date of Incident : XXXX XXXX, 2016 Contact Number Displayed : XXXX Time of Call : XXXX MST Company Name : GC Services L.P. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Agent Violating my Rights : XXXX XXXX Under the FDCPA : Section 807 ( 11 ) of the Fair Debt Collection Practices ( FDCPA ) requires a debt collector to inform a consumer in the initial communication with the consumer that " This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' During the call XXXX verified identity by saying is this XXXX XXXX. I said yes and she proceeded to attempt to verify my address. I said yes and then she proceeded to state the required Miranda statement. 

They did not properly verify my identity before they proceeded to provide information about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Private student loan) with SLM CORPORATION (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Sallie Mae has been applying anywhere from one-third to over half of my monthly payments towards interest, rather than all of it applying to the principal, which is what I was under the assumption it was going toward. This is a trick to get me to pay more money in the long run and I did not approve it. I wanted all of my payments to go toward the principal amount of the loan. This is scamming business. Also, they have raised my monthly payments rates despite me having taken out locked interest rate loans. I am supposed to pay the same amount every month and they 've changed it in the last year without any indication that it was being changed or why. This company is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Private student loan debt) with Fitzgerald & Campbell, A Professional Law Corporation (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: They call daily to say they are processing papers for court ( to take me to court ) Both me and my XXXX year old mother. They are also contacting family members. They say they have to get us processed for court and that our legal rights will be forfeited once they file with the court. When I call them they are asking for a {$500.00} processing fee with credit card only. I will not pay this and I believe this is an old debt. I believe this is a scam. They will not give me the name of the collection firm, so I am not able to send a stop contact letter. I want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a letter in the mail from a car loan company saying I was denied a loan that I never applied for. In the letter is my name and the last XXXX numbers of my wife 's social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX, without prior notice or an explanation. Chase closed all my open credit cards with them. I have been both a personal and business customer with them for many years. I had both my business and personal accounts closed. I attempted to get an explanation from Chase and was only told that I had added too many authorized users to one of my cards. I explained why I added the authorized users and that I only had a handful of authorized users. I had added authorized users to that specific card because it was the one I checked most frequently so it was the easiest for me to monitor to ensure my users were spending appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Additional payments were not applied to the principal balance as indicated on payment. Student loan was not capitalized at the correct time and was capitalized XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I applied for a student loan using XXXX XXXX while attending Full Sail in XX/XX/XXXX. I was young and naive on the process and was able to obtain a loan with no cosigner at the time. XXXX was not accredited when I went and the loans were not able to be consolidated. When I graduated I struggled to find work. It was time to pay my loans and they minimum payment was over {$1000.00} for XXXX loans. Most private loans which I had no idea any would be private. I paid my federal loans fine since they were only {$99.00} a month. I was told to use my deferment option until my loan was able to be consolidated. I deferred the loan collecting tons of interest in fear it would default since I could not pay the {$1000.00} loan payments. Eventually I was able to consolidate and my loans were now {$350.00} a month. I found a job in my industry and made payments. I was laid off after 4 months due to down sizing. Out of XXXX employees XXXX were laid off. I was again unable to pay my loans. I once again had to defer my payments. My deferment ran out before I found another job. I pleaded to arrange a payment plan to allow me to pay only interest until I find work. They would not help me. My payments fell behind to almost {$2000.00} minimum payment. I found a job and pleaded with them once again to allow me to make payments on this amount. They told me I would continue to build interest to ask a family member or get a loan for the amount I need to get caught up again. I was unable to do either. For years now I 've been begging and pleading with XXXX XXXX and now Navient to get me back on track so I can pay my loan. They are demanding {$34000.00} minimum payment in order for me to get back in good standings and make monthly payments on the principle. I am unable to purchase a home or make any large purchases because of this. I make enough money to pay my loans but they refuse to give me any options for repayment. I want to say I have paid my federal loan payments with no issues. When I went through my hard ship I was protected and was able to get back on track and have been in good standings for years now. I also want to say that XXXX is now accredited and even though I felt like I was deceived when I first starting going to school there, I am happy with my current position that was the outcome of my schooling. All I ask is to get back on good standings so I can finally make my payments and fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (WA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: HSBC is dragging this out rather than just close the account, I did not see any way to update my previous complaint in which the bank refuses to close the account, now they are trying to charge me maintenance fees for an account they refuse to close. 
I have no access to the account and do not want it. 
I signed up for a promotion they offered, and they did not live up to the promotion, their representatives kept adding conditions that were not disclosed, and then telling me I did n't have the 'right ' kind of account in the first place. 
So the promotion was a fraud, I want nothing more to do with them, and their sham of a response 'needing more time ' is just their effort to drag this out and try to collect fees that I do not owe them since the account should have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Below I have copied an email that I sent ( on XX/XX/XXXX ) to XXXX XXXX with Bank of America. I received a response the same day saying that they would look at this matter. And, the gentleman said he has had cases like this that they were able to refinance. The following day however he contacted me and said he took it to their board and they can not refinance. ++++ Dear XXXX XXXX, I spoke to a gentleman in the mortgage department in regards to refinancing my property which I bought in XXXX. He informed me that the policy has been changed and Bank of America will no longer work with condo hotels. 

I understand that there are policy changes and that you will no longer accept applications for condo hotels, however Bank of America has had my mortgage for 12 years. Whatever the policy change the fact is that you already have my mortgage and I have been a customer of yours for that time. 

You can not change the policy and negate working with you current customers. Everybody else is taking advantage of low rates but not if they are with Bank of America because they changed the policy?? 

My property is in XXXX XXXX. It is now doing {$130000.00} in annual rental income and has over {$600000.00} in equity. When I originally requested financing with Bank of America it did not occur to me that Bank of America would change the policy about condo hotel mortgage re-financing. 

Again, let me state you already have my mortgage and no funds are to be issued. All I ask is to refinance the note for a longer term. 

I appreciate your time and effort to help with this matter.

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 08-03-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Credit decision / Underwriting

Complaint: I submitted an application for refinance XXXX 2015 to Chase. I returned documents nearly immediately upon request and was told everything was good and clear but that the underwriting team was a bit backed up. Over 3 month later, I was informed that my loan was rejected due to the condo building not meeting an agency guideline. I understand that this eligibility criterion is not set directly by Chase, but this issue should have been identified and communicated much earlier in the application process. I could have gone to another lender who specializes in portfolio loans long ago. This has cost me the ongoing higher rate of interest, missed opportunity to lock in where interest rates where when I filed the application, and the Chase application and appraisal fees. Furthermore, my condo building has a certificate from Chase that the building has been " pre-certified '' for lending with Chase, and I provided a copy of this certificate to Chase. Also, I was told by the Chase resolution team that my loan was not considered for a non-agency loan because I do not have sufficient assets for a non-owner occupied property ; however, the mortgage officer only requested statements from XXXX account that he believed was sufficient to clear underwriting requirements. I have additional assets for which documentation was never requested, so any decision around the adequacy of my assets should not have been made without the full picture.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: My daughter, filed bankruptcy last XX/XX/XXXX to stop the foreclosure on our home. Due to my illness I was not well enough to file. Once she filed the mortgage company has worked out a curved with the trustee. To sell our home.. and when I called, to try to work out something with the mortgage company I was giving all this wrong information and no help. Surely my daughter is only on the deed of the property. I 'm on the note, and deed of property. We 're force to be homeless due to an aggressive trustee, wanting to make money for himself, and a mortgage company with no morals. Trustee going to court to ask for my part of property to sell our home.which the mortgage company could have work out something with me to be able to sell my own home.. not be force by trustee and his realtor .. so they can make money .. and my family and I will become homeless. My granddaughter who is XXXX years of age has been approach by strangers coming and lurking on our property asking her all kinds of questions about the house being for sale.. I hope that Shellpoint Mortgage Servicing will not get a chance to do this to another family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've pleaded with Transunion to update my credit report. My maiden name is XXXX. All of my former employers have been deleted from my history. My drivers license have been stolen in the name XXXX XXXX XXXX. I 've mailed a copy of my current information to them. 
My last address is XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX XXXX XXXX TN. XXXX XXXX XXXX XXXX TN XXXXXXXX. XXXX XXXX XXXX XXXX TN XXXXXXXX. XXXX XXXX XXXX XXXX XXXX is one of my employers. XXXX XXXX, XXXX XXXX XXXX XXXX is my first employer. Social Security have this information on 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