milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: APR or interest rate

Complaint: I had opened a Baclays Bank Visa card through an offer from XXXX in XXXX. I recently noticed that even though I do n't use the card much and pay every month, My balance does not go down much. I realized that I am paying a gigantic 22.4 % in interest when the XXXX rate is near XXXX and the mortgage rates are around 4 %. As a result, I am paying well over {$200.00} every month in interest and it hurts me financially. I spoke to the bank XXXX/XXXX/XXXX to lower the rate and they offered 18.4 % going forward and said that because the XXXX is raising rates, they have no flexibility to offer any other lower rates. I have XXXX XXXX and this is outrageous for a bank to do to a consumer. Please help me get a lower, reasonable rate of interest from this bank.

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 02/15/2018 about Debt collection (Credit card debt) with Gurstel Law Firm, P.C. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My pay was garnished by Gurstel law firm on behalf of XXXX XXXX for the full amount of money I owed on a debt from XX/XX/2012. I was out on XXXX during the garnishment period and this money was paid from my XXXX XXXX  XXXX benefits. While I am relieved to complete payments on a debt I rightfully owe, the original creditor is still reporting my account as unpaid on my credit reports. 

I have tried contacting the bank customer service with no success. I also disputed the account with the credit bureaus but they are verifying the debt as accurate. I did not receive a garnishment release although they stopped taking my pay.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Consumer Loan (Installment loan) with RFNA, LP (AL).
Issue: Managing the loan or lease

Complaint: In XXXX, I took out an installment loan with Republic Finance in XXXX, Alabama to help build my credit history. I paid the loan on time, except once. The reps called me constantly throughout the day, even at my job. I informed the location manager that I was going to come in to get a payment history printout so that I could pay the loan off because they were being very unprofessional regarding the matter. In XXXX, the manager filed a claim against me in court per se. He even went as far as to send garnishment papers to my employer without a verdict being rendered in court. I made a payment for {$450.00} via money order after that and he did n't even report it to the court. I disputed the matter on my credit and it came back as " satisfied/released '' but, Republic Finance has since placed another delienquent account on my credit for a balance {$200.00} shy of the amount they entered for the court claim. Also, in the court papers, they never reported any of my past payments, they tried to sue me for the full loan. When I went to the location where I got the loan to get a payment history printout, no one would give it to me. The representatives all told me I needed to see the manager XXXX, which was the person that filed the same claim in court against me. Upon meeting with the manager XXXX, he asked me what I needed a payment history printout for and asked was there something I needed explained to me regarding my loan? I do not owe the amount that Republic Finance is claiming that I owe. I was going into the actual location paying with cash and I would recieve receipts on thermal paper from a credit card machine and they have since faded. When I told XXXX, the location manager that I would like to make my future payments via bank draft, he suggested I continue to pay in cash because it posts to my account immediately and that bank drafts can take a few days to clear. This was a red flag for me and is why I made my {$450.00} payment via money order, so I could have proof of payment. If you notice on the court documents, all of the documents that were submitted, when he submitted my account information, there are payments areas blackened out, as well as my account number. I believe they have committed forgery and I would like this matter to be investigated and I would like it removed from my credit report because they have created XXXX separate accounts under my social security number. After the court case was released, Republic Finance went back and opened another account and have been reporting delinquencies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Problem with fraud alerts or security freezes

Complaint: My information was compromised in the XXXX hacking and I 'm trying to put a " credit freeze '' on my data at all three agencies to protect myself against future identity theft. I 've a near perfect XXXX XXXX and live nearly debt free, so it 's not something I use or need. As such, a freeze makes perfect sense for me. I was able to process a credit freeze with XXXX, however, TransUnion is asking that I send them a photocopy of my Social Security card before they can process the credit freeze. This seems like an unreasonable request for them to complete the process. I 've never been asked to mail a copy of my Social Security card for anything in the past. For XXXX, their phones are n't even working. So, I 've no way to even contact them at this point.

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 06-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Received information on CFPB website to contact Transunion via general number. Each time I call number, a very nice but uninformed person in XXXX answers and transfers me to several colleagues in same office before they transfer me to someone " State-side ''. The person in the US then transfers me to a voicemail or a recorded message that disconnects before I can even leave a message. I have been on this rotation for about 6-7 months. I have yet to receive a call from anyone despite leaving messages when I was able to do so. Furthermore, I have sent emails to : XXXXXXXXXXXX on many occasions over the past 3 months and never received a reply. There has been no correspondence other than an email when I dispute online using a form that requires me to enter credit bureau account information that I do not have access to. Additionally, I have inquiries on my credit report that were not authorized. There are remarks on accounts that are not in dispute.

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: fradulent inquiries ... and unverified accounts

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 08-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: This complaint relates to the completely unsatisfactory handling of complaint # XXXX by Citi Bank. Please refer to this this complaint and the documents I attached to it.
1. They sent me a letter requesting further info. However, due to the fact that I travel for work it may take up to three weeks for me to respond to anything sent to me by 'snail mail '.
2. Regarding the further info they requested : a. I DO NOT know the precise date of the incident. I believe that it was sometime between mid XX/XX/XXXXto the beginning of XX/XX/XXXX.
b. I DO NOT believe the person taking my application actually submitted it. He just said I was declined and did not even offer a reference number. This is probably why the company has no record of it. I did not even think of asking him for a reference number at the time.
c. I DID provide my social security number to the Citi Bank representative I spoke to regarding the complaint ( XXXX XXXX ). But as I said. I DO NOT believe the representative taking my application actually submitted it. Due to this, my social security number will be of little benefit in locating the application.
3. Everything in the original complaint still stands. This includes my proposed resolution. I thought that Citi Bank would be a little more responsive in settling this matter without me seeking legal counsel.
The best way to reach me due to the limited access I have to my ground mail is via email. XXXX If it is necessary to call me please leave a DETAILED message regarding the info requested. This will prevent us having to play phone tag. I can then leave a detailed response via voicemail if no one answers.
Thanks XXXX 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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TIAA, FSB (GA).
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 who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the beginning of XX/XX/XXXX all payment went through XXXX XXXX as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XX/XX/XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XX/XX/XXXX or XX/XX/XXXXthey held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially XX/XX/XXXX in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar is our mortgage company ( Loan No. XXXX ). They send information on sharing our personal information with affiliates, etc. along with opt out options as required by law. But perhaps on purpose they make the process needlessly hard. Their phone option ( calling XXXX ) does not work because this is a general number with automated options, where opting out of sharing private information is not even a choice. Resolution of problem is they should be made to make opting out easy as per the spirit of the law ( that they seem to want to undermine. ) We wish they could be penalized to discourage playing such games in future and wasting our time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: In my state, All XXXX credit reporting agencies are trying to charge consumers for a credit freeze. That 's insane. Especially for XXXX to be profiting off their own failure to protect data we never had the option to hide from them. You need to provide a method for all consumers to go to a centralized website where they can freeze their report at all XXXX companies, for free. 

Until that system is in place these agencies should be barred from charging these fees, and they should be forced to make the freezing process accessible and not hidden behind a series of attempts to sell credit monitoring. 

Additionally, I have tried to freeze my report with XXXX and the site was down. This is completely unacceptable when half of the population just had their financial information compromised.

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 06/14/2016 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My Credit Card number was stolen. Someone charged multiple charges on XXXX of my credit cards. XXXX credit card company credited it back immediately and that was it. The other Chase Bank has refused to remove it and insists the purchase was made by me when it was n't. I do n't know what else to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/XXXX I sent letters to Equifax, XXXX, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed this debt with the credit reporting agencies and they continue to validate it without providing the information I have requested. I have also asked them to stop calling me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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, XXXX, and Transunion will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX XXXX. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine 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 explanation
Consumer complaint received 07/25/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work out a loan modification with Caliber Home Loans since XX/XX/XXXX. Each time I have submitted the paperwork they 've asked for, they say they need only certain additional documents for a complete package. Each time as I have submitted what they request, they say to check back the following week, and then they have either come up with a different list or say they have n't received something that has been sent multiple times. At one point, my first Housing Counselor said she sent a certain item 3 times to them. They have given a list of items one day and two days later when they have what they asked for they give a different list, all the while pushing back and stalling the timeline of review so that I am now in danger of foreclosure. 
They are now in the process of DUAL TRACKING ... Caliber refuses to take the foreclosure sale date off my house, even though they finally conceded on XXXX XXXX that they have a complete loan modification document package to review. One representative told my housing counselor they would take it off in a few days after processing. Another, 2 days later, told her they will not remove the sale date as they believe they 'll finish reviewing and make a decision before the sale date. This makes it sound like they are really intending to go through with the sale, even though they say they 're reviewing now. I am no lawyer, but I doubt that the actions of Caliber Home Loans constitutes Truth in Lending, as I have caught them lying to my Housing Counselor.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Debt collection (Credit card) with New Century Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Third party collection agency New Century Financial Services, filed a judgement against me to claim a debt from XXXX to place a wage execution order. According to the judgement this claim was from XX/XX/XXXX. I paid the judgement in XX/XX/XXXX to a collection agency. Additionally, there was no written notices prior to this regarding an opportunity to set up payment plan. Judgement creditor did not provide me notice prior to escalating it to wage garnishment and the agency never contacted me. When I called for more information regarding the wage garnishment order representative could n't provide me with my DOB and address and asked for my social security number. Additionally representative stated that I physically spoke to someone from XXXX XXXX XXXX XX/XX/XXXX to make payment arrangement. This claim is completely false, I have never spoke to anyone from New Century Financials, Inc. or any other firm pertaining to this matter in person. There was no XXXX transactions in my credit report. Creditor XXXX has never sued me in court to obtain a money judgement against me for garnishment wages. I requested in writing a demand for a bill of particulars to include the unpaid balance on the account, proof the Plaintiff owns the account and they have never sent me this 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 03/24/2017 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (AZ).
Issue: Money was not available when promised

Complaint: I submitted my first Credit Card payment to XXXX saving Bank thru my Bill Pay with Chase Bank. XXXX bank told me that because I address the check to XXXX Credit Card instead of XXXX banking they would refuse the check and return it ... They did not return the check but they did cash it and did not credit my Credit Card account ... I Submitted Documentation and after multiple calls they said they sent back the funds to my Bill pay. That was a Lie! They have not sent the Funds ... I believe they have committed a chrime. Please check them out! Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 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: Information is missing that should be on the report

Complaint: I recently received a copy of my XXXX and Equifax credit report and I notice there is three unauthorized credit inquiry on my credit score. I do not recall authorizing this credit inquiry. I have contact XXXX and Equifax to please remove these inquiries but in the end it turn to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The VA is claiming I owe money. They can not tell me why I still owe this money because I paid the debt I had with them from my GI bill benefits before I could start receiving benefits. Pioneer recovery has started collecting this debt. They 've added {$500.00} in fees and are now garnishing my wages. I have read on the VA 's site that the Treasury Department is who collects any VA debts. Pioneer Recovery did n't give me any notice that they would be garnishing my wages. I need this to stop because I can not afford to pay my other bills with XXXX % of my net wages being garnished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation