milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Citibank is clearly and obviously discriminating against me. Citibank approved me for a BestBuy XXXX card nearly two years ago. They also gave me a Citi AADvantage MasterCard, a XXXX and XXXX XXXX card and a XXXX XXXX XXXX credit card. Citibank has treated me unfairly over the past few years. And on XX/XX/XXXX at XXXX I sent a message to Citibank letting them know that they have treated me awful. I said nothing bad. I just said you have treated me awful. The next day the closed all my credit cards. Their excuse was that I had too many recent inquiries on my credit report. I disagreed with that because I have a credit freeze on my credit and a 90 day fraud alert and a block on my XXXX report. I have solid evidence that Citibank has discriminated against me. I will not disclose too much because I am exploring legal options. All my credit cards with Citibank had a {$0.00} balance because I always pay them in full. Citibank claimed that they review the accounts and credit every six months. However conveniently Citibank closes my cards less than 24 hours after I sent my message to them. I retained a copy of that message for my records. Citibank wo n't even hire me because not only because I am XXXX XXXXXXXX which I have information and witnesses to confirm my claim, but also because I am over XXXX. Customers need to be made aware of Citibank 's discrimination against minorities so that they can make an informed decision before they bank with Citibank. I monitor my credit everyday. My credit score is good, and there were no recent inquiries due to the credit freeze on all three bureaus. Citibank lied to me when they closed all of my Citi cards. They closed them because they do n't like me, and when I called them out on it via secured message, they closed my cards. SHAME ON CITIBANK.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also ( XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at XXXX. I simply want these inquiries removed from my credit report with all credit bureaus.

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 04-06-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was settled with a debt consolidation with XXXX in XX/XX/XXXX-XX/XX/XXXX. Midland Fund has been notified via multiple attempts to clear this collection from my credit reports. Midland Fund continues to harass me with collection notices. The continued collection status has effected me financially with low credit scores, and the inability to refinance my home at a lower interest rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: OnXX/XX/XXXX, I logged in to my mobile banking app and saw that my savings account was negative {$10000.00}. I called customer service and my call was transferred until I got a person 's voicemail. The next day, I was called back and told that XXXX XXXX had filed a claim and therefore they debited my savings account for half of a settlement check that I had received and deposited in XX/XX/XXXX. So the bank debited my account without even speaking to me or notifying me. When I finally got a person at Bank of America, they said I needed to contact XXXX XXXX to find out what was going on. The next day, my checking account and savings account were closed without notifying me or warning me. I was also locked out of mobile banking and can not even access my past transactions. I have had this account for 22 years with no problems. When I went to the local branch, the manager there told me he could n't help me and neither could anyone at Bank of America.

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 03/31/2017 about Debt collection (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I borrowed {$10000.00} from the XXXX ( XXXX ) in XXXX and in XXXX. After taking their finance charges and interest rate up front ( {$140000.00} ) the actual monetary value that I received was {$8600.00} for each year, {$8400.00} of which went to pay my XXXX XXXX tuition for each of those two years. For a total Principal of {$17000.00}, I paid XXXX $ XXXX {$30000.00}. 

I asked XXXX on many occasions to send me a statement stating that my Loan had been retired. I never got any response back from them. Years passed until one day, I received a call from a debt collector purporting to represent XXXX in their attempt to collect an outstanding {$30000.00} debt that reportedly owed. Of course I disputed this and sent them documentations of payment I sent the Agency over they years. I never heard from that particular Debt Collection Agency or XXXX again, except every few years, another debt Collecting Agency purporting to rep rent XXXX will resurface and we will go through the same thing again. 

In XXXX this year ( XXXX ), up until the present ( XXXX/XXXX/XXXX ), I started receiving a barrage of harassing and threatening phone calls at all hours of the day, sometimes as late as XXXX ; on weekdays and on weekends. They would call one of my Mobil Phones by the hour-it got to be so annoying that I decided not to recharge the battery when it died down and instead started using my second Mobil Phone which is unlisted. I have blocked the multiple different numbers that they use only for them invent another phone number. They have so many deferent phone numbers- more numerous than the XXXX so it was futile on my part to try to keep blocking these numbers. Somehow, they got my work phone number and has been calling my practice non-stop and disrupting my daily clinic activities when I am caring for my patients. Despite my telling them to cease and desist, these threatening and harassing phone calls continue unabated. The calls have been relentless. 

Even though, I told them the debt has been completely paid off and I do not owe any debt, they threaten to sue and take my property. They have gone as far as fictitiously conjuring a figure of {$130000.00} out of thin air as the debt that I owe. To make good on their threats, they have referred this non existent bogus debt to an attorney who in tandem with Transworld Systems Inc. continue to threaten and harass me and my family. They left a message with my wife to call them urgently to discuss the {$130000.00} phantom debt or else they will take legal action against me. 

Despite telling them about the history of the XXXX Loan and letting them know in no uncertain terms that I have paid the debt in full, the harassing and threatening phone calls continue unabated. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: For the last several years Capital one has been conducting soft pulls on my credit and sending me offers. Some of these include prequalified offers. On XX/XX/XXXX I responded to one of the offers and a hard pull was conducted on my credit dropping my score about 5 points. The card responded that I needed to provide proof of income which I complied with. The card application was ultimately declined and the company cited they still could not verify my income. I am a XXXX vet currently receiving a pension as well as education benefits. I am not currently employed because I am a full-time XXXX student. I will be attending law school in the fall. This means my income is a mixture of student loans, merit scholarships, GI bill housing allowance, and XXXX payments for my service-connected XXXX. My application was denied solely based on the type of income I have which I believe violates the equal credit opportunity act. After the denial letter arrived I received a pre-approved letter for a different type of capital one credit card. The notice stated to enter a code to accept my card. I believed the card was associated with the first application so I entered the number. The card pulled my credit again and I received an e-mail shortly thereafter to provide yet again my financial information. These two transactions have dropped my credit score 12 points and I still do not have a card. On XX/XX/2018 I called capital one an spoke with XXXX operator number XXXX. I asked XXXX to cancel both my applications and remove the credit pull on my account. I explained I believed the company violated the equal credit opportunity act because the sole denial reason was my income. I also explained that upon further research I saw Capital one paid a 3 million dollar fine for discriminatory lending practices and I did not want to do any business with the company. I asked that they never pull my credit again ( soft pulls ) and never send preapproval notices again as  they are just being used as scams to get people to apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CO).
Issue: Making/receiving payments, sending money

Complaint: Every time I try to use my Paypal account to purchase items on Ebay the process is hit and miss. Most times the payment is " declined '' and I am told to contact Paypal. I call Paypal and they tell me my account is fine, but the " security system '' is not allowing the transaction. I provide answers to what addresses I have lived in 20 years ago, cars I have owned, etc, this is still not good enough apparently. I receive multiple text messages and phone calls during some transactions and put in codes, this is not good enough. I just want to be able to use my Paypal account as some merchants only allow payment by Paypal, and further, eBay gift cards can only be processed by Paypal. I have called numerous times each week, sometimes on the phone for an hour or more to be told the " security system '' is holding me up, there is nothing that can be done, try again in 24 hours. I try later as directed, however some auctions or rebates have then expired, and it works sometimes, most often it is the same problem. I just want to be able to use my own money to make a payment without being denied. I have done nothing wrong and if Paypal has such stringent security requirements they ca n't let the owner use their own account this is unacceptable. This is especially concerning when most purchases only use Paypal as a checkout option.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Bank account or service (Savings account) with BARCLAYS BANK DELAWARE (GA).
Issue: Deposits and withdrawals

Complaint: I opened a savings account with Barclays US on XXXX/XXXX/2016 and made an initial deposit of {$1000.00}. I authorized the money from the account to be transferred from my XXXX XXXX Account. After opening the account, I established and verified an external transfer with XXXX XXXX Checking. Since this date I have been accruing interest in the savings account but have not transferred additional money. On XXXX/XXXX/2016, I requested to transfer a portion of the funds to my XXXX account. I was informed that my account was on " hold '' due to failure to verify the source of the deposit and no withdrawals could be made. I called customer service and spoke with a supervisor. She informed me that because I did not establish an external transfer relationship with the account where the funds were initially received, I could not have access to the funds at all. I also was informed that there was no other recourse since this bank operates completely online. She also refused to allow me to close this savings account and have the funds returned to the source without interest. I believe that I met the Terms & Conditions of the account service by establishing an external account relationship with the bank where the funds were initially transferred, which has the same routing number. I provided proof of identify when I authorized the initial transfer of funds from XXXX and Barclays inherently acknowledges that the funds came from an appropriate source by accepting the funds and providing interest on the account for the past five months. Barclays has not contacted me by phone or mail to inform me of any concern with my account and will not release the funds unless I verify the initial account through test deposits, which will take several days to accomplished. I am extremely concerned that Barclays has withdrawn money that I authorized, has had custody of my funds for five months, but now refuses to release these funds to me. According to the Terms & Conditions, this Dream Savings account does not require a minimum initial deposit and only requires a minimum amount for {$0.00} to be accured in interest each month. There is no reason why I should not have immediate access to my funds as an account holder and if there was a concern, the initial deposit should have been returned and the account closed after 5 business days.

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I just received the results of a dispute I had put in with experian credit reporting agency. The most recent report number is XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX ... ..XXXX ... ..and tXXXX XXXX XXXX XXXX do not belong on my credit report. I have uploaded proof that XXXX had done there investigation and it was confirmed to remove these accounts off my credit report. However experian I feel is not doing a proper investigation because they would have received the same information to remove these account that do not belong on there off my experian credit report. Having this wrong information reporting on my experian credit report is causing me a hardship. I have been disputing these accounts for over 6 months now and experian will not remove them. I am submitting this complaint about experian because they are not correcting and deleting these accounts off my credit report. I also tried to re-dispute these accounts again online and experian will not allow me to do so. This is my right to have correct information reporting 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 10-10-2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I am behind in my car payments due to unforseen personal circumstances. I had established a good standing with Wilshire up to the point of my default and and often paid early. I refinanced an existing loan only to have payment due in just 10 days. I have spoken to Wilshire several times about my inability to pay at this time and tried to work with them. Upon day 30 of my delinquency, they sent a repo man out to repossess my car and continue to call at all times of the day from various numbers. I tried to settle one month with the repo man but he was abusive and would not accept since I was a few days into the second month and he wanted 2 months or nothing. I told him that I was unable to do that and would have to pay my other bills instead. The phone number they are calling me on is my work number and the only number I have. I asked them to stop calling this number as it is affecting my work and ability to pay them back. They have ignored this request and on top of calling me incessantly and leaving nasty voicemails, they are now calling my references and have called one of my references at least four times that I know of. One of the calls they made to said reference was yesterday -- just after I had spoken to them and told them NOT to call my references since they know how to locate me. XXXX from XXXX XXXX ( the same number they call me on then leave a message to call XXXX which is Wilshire ) called at least one of my references at yesterday XXXX XXXX, AFTER my conversation with them at XXXX XXXX. This tactic is used to embarrass, harass and humiliate me ( I told them I know this is an unfair practice under the Fair Debt Collection Act ), not to mention ruin my reputation in a community I have worked hard to establish a name and a business. They know how to locate me! I had just talked to them! I told them I have every intention to get my account paid up and will do as soon as I can. It may be another 30 days, but could be sooner since I am in sales and have several deals in the works. Wilshire has proven they do not want to work with me, but harass and embarrass and intimidate me. If you read other consumer comments on the Web this is a typical tale, and many say do n't take a loan with Wilshire! Generally, I can not have no conversation with these people since they talk over me and are not interested in anything I say. It 's just " pay up or else ''. I am available and can be located as I said, but I do not answer every XXXX # call coming into my phone assuming it is a solicitor and I use this line for business and I am often with clients or need my phone available for incoming and outgoing business calls. Also, when I looked up the number they are calling me from XXXX it is listed under " Westlake Financial '' with whom I have no known business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (I do not know) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Fidelity Creditor Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Portfolio Recovery Associates , LLC / Account Disputes Department provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (Government benefit card) with U.S. BANCORP (PA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: i was granted unemployment and was told i had to usethis bank to get my benefits. i saved {$220.00} from prev biweekly claim to pay my rent. on XX/XX/XXXX XXXX XXXX my benefits hit for {$680.00} bringing my balance to {$900.00}. At XXXX XXXX on the way to my job i stopped at XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX pa XXXX and used gas pump the zip code control was n't working so i had to use my pin #. at XXXX i used the card at XXXX XXXX on XXXX XXXX XXXX in XXXX pa heading to XXXX pa where my new job is.on my lunch break i went and purchased lunch at XXXX XXXX on XXXX XXXX in XXXX Pa. From XXXX XXXX to XXXX est i was on the clock at work as a bill collector. at XXXX XXXX i received a text message that my funds went from {$870.00} to {$7.00} stating i just used card at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX nj for {$200.00} {$100.00} {$100.00} {$100.00} {$100.00} {$10000.00} {$10000.00} ans {$42.00} all withing 2 minutes. i immediately texted help and was given XXXX to call and make a complaint. I called advised them i only have one card and how could this have happened.They faxed me dispute form to my job XXXX fax # i filed out form and sent one page letter faxed back from my job with my job letter head about how i was a victim of fraud and needed help. Once i was notified 2 days later that the claim was put in the rep advised me no police report was needed because i had no clue who done this to me.i also advised the rep i could have my hr department fax my hours down to the minutes and they stated it wouldnt help my claim.i called daily for help because now im 2 months behind on my mortage .different reps refused to put manager on line just kept telling me after 10 days the funds will be back on the card. I still called everyday anyway to hear everything was fine just give them the 10 business days.after the 10 day i called and advised manager that the money didnt hit she told me it will hit by XXXX XXXX on XX/XX/XXXX when money didnt hit i called and demanded a manager. I was then told my claim was ruled as not a mistake and the claim was dropped. I begged for help and was told it was nothing they could do just wait for the paperwork of how they came to the result. please i need help

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