milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: I applied for citi double cash credit card online. Application ID : XXXX My application for credit was rejected. On the rejection notice the credit card company gave me XXXX reasons : 1. Too Many recent credit inquiries are recorded on your credit bureau report. 
2. Your credit report reflects a lack of recent installment loan information. 
3. Your credit report shows insufficient credit history. 

I requested the credit bureau report from the agency provided in the rejection notice to verify my credit history. 
The reason # 1 mentioned is patently wrong. I had XXXX hard credit enquiries. This transaction with citibank has resulted in XXXX new Credit enquiry dated XX/XX/2016. Please see attached Credit Bureau Report. 

I have over 9 years of credit history and no derogatory marks whatsoever, so I find it hard to accept the third reason provided as well. 

I have never taken a loan, hence there are no loans on my credit report. 

I feel that I have been discriminated against by Citibank and my credit application has been denied on frivolous grounds. 

Despite repeated attempts at contacting them, and multiple phone calls to the call center, no additional information has been provided by citibank. Even visiting a citibank location to meet a personal banker has not yielded any fruit. The personal banker noted my complaint down and said that a case number will be mailed to me. However, I have not received a case number or a follow up call from the banker since.

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 06-08-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Report Shows balance of multiple accounts that are not mine nor have my information. There are multiple companies involved. 
1 ) XXXX XXXX : XXXX accounts show on my credit report, no more information, but is affecting my credit history. I spoke to a supervisor who could not find such accounts but they still being reported on my credit report. 
2 ) Portfolio Recovery Associates : I have no debt they want to collect but appears on my credit report and I have disputed the information almost more than XXXX days ago, I have not get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to modify my mortgage sine XX/XX/2016 with Select Portfolio. 
Its now XX/XX/2016 and still nothing has been done. I followed there instructions of going on to there website and checking on my status loan and the website does not work If I do NOT call them I have NO idea if they need additional information.I have cooperated by sending them any documents that are missing by uploading them because its quicker and they receive it in 24 hours. I call them faithfully every week and they tell me the same thing that every thing is fine your in review and it takes time. Yesterday I was served with foreclosure complaint for the FIRST time and its not even the intent they went right to the complaint and when you call SPS they have no idea whats going on. 
Im upset because I want to save my house and I have followed there direction followed there rules and they never wanted to help me at all. They lead me to believe that they were going to help me and they had NO intentions ever to help me.When I called SPS and questioned the foreclosure complaint they told me to call a certain number and extension and when I called it turned out it was there attorneys office that represents them. The attorney was rude and basically spoke down to me and he proceeded to say that they were n't going to HELP me and that they were ACCELERATING my foreclosure and with in a few weeks I would have a sheriff sale so I should start looking for a new home. 
Why would SPS do all that and lie to me this whole time. I trusted and believed that SPS wanted to truly help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Bank account or service (Other bank product/service) with BARCLAYS BANK DELAWARE (IL).
Issue: Account opening, closing, or management

Complaint: I have been in litigation with Barclays Credit Card for fraud revolving around false representation of Account Protection.I had payed for years into Account Protection and when I lost my job they did not pay as stated. They filed a judgement against .. 
2013 .It was suppose to be dismissed in the court and it is still active 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 04-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: capital one cc says I owe XXXX for a credit card I never opened..i used to have a card XXXX years ago, but filed chapter XXXX bankruptcy since then.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a dispute with Equifax because they are reporting my bankruptcy us XXXX bankruptcies under public records which has caused my credit score to drop significantly. I provided documents in their original dispute showing that my bankruptcy was discharged in XXXX 2015 and that I in fact only have XXXX bankruptcy I attached screenshots of how they reported it three weeks ago to now and also how XXXX is even reporting it just XXXX as that is the case I file bancruptcy once and it has been discharged once XXXX, not twice.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2016 about Debt collection (Non-federal student loan) with First Associates Loan Servicing LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XX/XX/XXXX to XX/XX/XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have sent documentation to XXXX XXXX XXXX XXXX three times to determine my income-based repayment plan. Each time I was given a different amount to pay. They have determined my income-based payments incorrectly each time. I have called several times, over five, and have spoken to supervisors. No one seems to get it. As I have explained, I am a XXXX. My pay rate changes daily and seasonally. Simply sending in my two week pay sub will not give you an accurate account of how much money I make. I do not receive pay checks, it all goes to taxes and then some. Great Lakes seems to think that they can take a number they see on my pay stub and multiply it by 52 weeks and that 's automatically my income for the year, which could n't be more wrong. I have also attached my tax information per the IRS website and still was given an outrageous amount to pay, although I am making basically the same amount I did the previous year. It was raised over {$45.00} dollars. I have been with Great Lakes for over five years and have never had a payment amount this high. I have tried several times to explain this to Great Lakes representatives and each time their solution has been to send in another pay stub. So it could be calculated wrong again? Never in my life have I experienced such ignorance with a loan lending company, and I hope to resolve this issue without taking further action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: An address which I have never lived at has appeared on my credit report and apparently some collection documents have been sent there. The person who lives at the address which has been incorrectly added to my file has informed me that they are still receiving my correspondence at their address.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receivables performance management started calling my husbands cell phone on XX/XX/2015, and have called either it or the house phone almost everyday since then. At the time of the first call he set up a payment plan for XXXX payments of {$25.00} ever other week because that is all there system could do. They have started calling our house almost every day since then and have asked for a post dated check. They asked my husband to set up payments on his dept card for next year after telling us they could only set up XXXX payments at a time they were also wanted us to agree to giving them XXXX payments of XXXX in XXXX and XXXX which we can not afford and would not agree to they also suggested we could use out tax check from next year to help out this all happened today XX/XX/2015.. We have asked them several times to please stop calling and they continue to call. We also have XXXX emails with the payment plan between them and us on this matter. They also get rude and hang up on you before you can finish discussing the matter of why they keep calling..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: MY FATHERS RESIDENCE AND THEY HARASS ME CONTINUALLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2016 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a negative account in which I do n't know about on my credit report for XXXX. I am not familiar with this account and it does not belong to me. It 's for almost XXXX and I have no idea how this mix up happened.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Closing/Cancelling account

Complaint: I opened an account with Macy 's XX/XX/XXXX. I had the account in good standing. They closed the account XX/XX/XXXX without my knowledge due to " inactivity. '' They refuse to open to old account and request that I apply for a new account under their new revised terms and conditions. This closure has harmed my credit report because it was a card I had for over XXXX years. This is not a fair practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I requested my credit report thru XXXX. After filling out the info and answering the security questions, XXXX report did show up. I went to save and print and it kicked me off the page and said I needed to request by mail or phone. The next report, XXXX, said they could not process my request and to send them copies of my social, Drivers license, mort papers, utility bills, etc. Are you kidding me? I am not sending my personal info in the mail like that, that is how identities get stolen. I am completely shocked this credit agency would ask me to send these things, especially when they know this info already. Needless to say I did not get a single report and now have to wait 12 months to request another XXXX unless I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Credit card) with Global Recovery Group (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This collection agency told my husband, who is not on the credit card and did not have anything to do with it, all of the information about the credit card and what I owed and threatened him with being involved if I did n't pay. They wo n't tell us who they are, the name of the firm or anything. They leave threatening calls at my home and work. They have called my XXXX year old parents and my daughter in California. They call every fifteen minutes. I have tried repeatedly to call the number they leave when I can get to a place to have privacy ( XXXX ) and I 'm left on hold over and over again for outrageous times. I have the cell phone records to prove I 've been trying to reach them. Last night I was on hold for 3 hours and 37 minutes before I finally went to bed. I do n't know if this is a scam. I do owe for a credit card but without knowing who they are - I 'm not giving them my financial information. Yesterday the man calling my work phone threatened to find me in person if I did not call them. That is why I sat online over 3 hours last night trying to reach them. Please help. I do n't know what to do.

Company response to consumer: Untimely response
Consumer complaint received 07-12-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: APR or interest rate

Complaint: I am writing this letter due to what I believe to be misleading and perhaps fraudulent behavior of Bank of America against the consumer regarding interest rates on balance transfers. I opened a Bank of America credit card XX/XX/XXXX years ago because I was offered a promotional rate of 0 % interest on all charges until XXXX XXXX. I also took advantage of repeated 0 % promotional interest rates for balance transfers. In XXXX XXXX I transferred balances equaling {$3900.00}. As of my statement for XX/XX/XXXX- XX/XX/XXXX my balance were as follows {$1900.00}. XXXX purchases promotional rate until XXXX XXXX, balance transfer {$1500.00} promotional rate until XXXX XXXX, balance transfer XXXX promotional rate until XXXX XXXX. By my statement for XX/XX/XXXX- XX/XX/XXXX, it indicates that I had paid off all of my balance transfers. I received additional balance transfer offers which would not generate interest until XXXX XXXX so XX/XX/XXXX, I transferred {$5600.00} as indicated on my statement dated XX/XX/XXXX-XX/XX/XXXX. I later transferred additional money for a promotion lasting until XX/XX/XXXX. Therefore, I was shocked XX/XX/XXXX. when I started paying interest on my whole balance. I called and asked about my promotional rates on balance transfers, they said all of the balance transfers had been paid. When I did my balance transfers with them, I asked would there be something XXXX that would prevent me actually seeing the no interest rate promotions until XX/XX/XXXX and XX/XX/XXXX and was told no. The statements say that payments are allocated, " If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimal Payment Due to the lowest APR balances first ( including transactions made after this statement. ) Payments in excess of your Total Minimum Payment will be applied to balances with higher APRs before balances with lower APRs. '' While, I paid some {$9000.00} on my credit card for the year, I thought I was making payments both on my purchases and on balance transfers. However, somehow BofA only applied my payments to my balance transfers exclusively at first so that I would not be able to take advantage of the promotion interest rate on the balance transfers which is what lured me into making the balance transfers. This is not explained on the statement, was n't told to me verbally when I asked and I do n't see such info on the tons of offers they keep sending me. This is slight of hand for the consumer. 
I hope you can help protect consumers like myself from such financial chicanery and shame on Bank of America, a name with such a long legacy, in whom we should be able to trust.

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 04-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I XXXX from college in XXXX and consolidated my subsidized and unsubsidized student loans for a 20 year term. Since XXXX I have done the following in an attempt to pay off my loan sooner : 1 ) Paid more than my minimum payment for the first 5 years 2 ) Signed up for automatic withdrawal to ( supposedly ) qualify for a 0.25 % interest rate reduction 3 ) The 2 years I was in XXXX school the unsubsidized portion of my loan was ( supposedly ) not accruing interest, however, I was still making MORE than the minimum payment in an attempt to pay off my loan sooner. 

When I logged onto my account this month XXXX XXXX XXXX ) I noticed my payoff date was in XXXX - this would make my loan term 22 years from my date of XXXXon in XXXX. How is this possible when I had a 20 year term AND had done the above XXXX activities in an attempt to REDUCE my loan term? I called Navient to inquire and got different stories from every representative and supervisor I talked to. The supervisor I spoke to indicated he was forwarding my complaint to Navient 's research department to investigate. The next day I received a useless letter from the research department that simply contained my loan amount and the payoff date ( in XXXX. ) I called Navient again and told them I was reporting them. The representative I spoke to this time just kept saying " well, we bought your loan from XXXX. '' I really do n't care who bought or sold my loan as I had no say in this matter at all. I signed an agreement when I consolidated my loan ( to a 20 year term ) and it was obviously broken in some way without my consent. In this situation there is no physically possible way that Navient was not taking money in some sort of unethical manner. This needs to stop. Others need to be protected from this happening to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with North Shore Agency, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I moved back to XXXX from XXXX. XXXX was my cell phone carrier at that time. Before moving back the USPS stopped allowing XXXX XXXX. to have PO BOX 's and in turn all mail must be addressed to a physical address. XXXX was notified. I had also changed my mailing address to reflect my move 2 times online with XXXX to reflect XXXX XXXX. Their " system issues '' as described to me on the phone were rejecting my updated mailing address that I had before leaving XXXX to move back to XXXX. After my previous phone died, I decided to utilize the " switch to XXXX '' promotion and " we will pay your early termination fees up-to $ $ $ amount. While you also get to keep your current phone number '' After I had paid my last bill I had called XXXX 2 times, the month of and the month after, both individuals knew of the ordeal and reassured me that I did n't owe XXXX anything, XXXX covered all remaining charges. XXXX needs to provide these phone recordings in order to proceed, along with verification that they did, mail paperwork regardless of paperless billing- that I did not receive at my mailing address in XXXX XXXX. showing that I owed XXXX any balance. Both family in both states have not received paperwork from XXXX stating that I owe them anything. I have had an excessive amount of advertisements sent to my mailing address in XXXX XXXX since I switched to a reliable carrier this past summer of XX/XX/XXXX.  The collections agency 's trying to contact me have been XXXX by phone in XXXX XXXX. and North Shore Agency. Both who have not been able to mail to the correct address in XXXX, or as XXXX even mailed anything to me in XXXX  or XXXX. My family would defiantly have let me know and either forwarded or called to provide me the information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (I do not know) with The Thomas Agency, Inc. (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The Thomas Agency has continued to report to the credit bureaus that I owe money on an account that is unknown to me. I have disputed this entry several times and they continue to report the the credit bureaus and its causing damage and costing me money and hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation