milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: First off, we have used this card for everyday purposes as well as when we went on our cruise most recently in XXXX. We have paid off this card twice in the past 6 months and expected to get a credit card limit increase however that never happened. 

We had to utilize the cash advance option after the card was completely paid off, which is an option that is offered by the credit card company. We utilized this to pay our rent last month due to trying to utilize actual funds ( from our paycheck ) to pay for some concert tickets which resulted in costing more than we had saved up for them. Our funds from our paychecks came up short and rent had to be covered by this cash advance. 

Barclay never reviewed my credit report until i used the cash advance option in which, they decreased my credit card limit by {$1400.00} from {$2500.00} to {$1100.00}. While i understand that my overall credit utilization is high, i think that this limit decrease was quite drastic and uncalled for. This has caused me to reconsider my use of this card going forward since Barclay clearly does n't care of my usage until I make a questionable transaction utilizing one of the many options on the card, the cash advance. 

Barclay could have simply contacted me about this recent transaction and found out why it was used. Instead, they treated me like a number and just took action on the card without my prior knowledge. Barclay does n't care about its consumers. 

And due to limit decrease, it also made my credit report look worse for my other credit card issuers which could cause any one of them to do the same and tank my credit just because i used the cash advance option, which is an available option as part of the credit card.

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 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harvard Collections, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was resolved in a court case and they had an opportunity to collect payments from child support which I was recieving through their office. However, is over 20 years old I do n't agree with. This debt was n't an issued until after I settled for a lump sum child support payment through their office. If I owed the state why did they issue my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: several slandering, tricks, and false information, i am very satisfied with bank just some of the employees are moving side ways doing improper actions or statements like in the claims department, or the merchant services reps not showing for appointments, asking some bankers for business bankers and saying none are available and then one accepts me right away. from the bank enough is enough. and before they stated there were no fraud alerts or security and now there is. i love bank of america but some of these need to adjust. adding fees to credit cards that are not due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GVA Holdings, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received a call from a man stating he was an attorney wanting me to call a number because of a bounced check. I called the number the lady was rude she said I was a liar and I furnished them with a check from XXXX XXXX XXXX I do n't have an account and a pay check stub. and that I could n't file fraud because I did n't have a police report I told her how can I file when I did n't have anything to file. the phone number of this company is XXXX claim number XXXX. I called the federal trade commission and they forwarded me to you. They said they are taking me to court and if I do n't show up I will have to pay triple of what they say I owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I returned a XXXX XXXX XXXX and XXXX XXXX to the best buy in XXXX pa to the store XXXX. It went to a closed account that was stolen, that 's why it was closed. When I received my statement it came through as a general purchase. It was then minuses off, and turned into a promotional purchase. THIS WAS TO BE A REFUND FOR {$720.00}, THE TOTAL AMOUNT OF THE RETURN. THEY PUT IT THROUGH AS A PURCHASE. THEY THREATENED ME TO KEEP PAYING FOR THE ITEM EACH MONTH OR THEY WOULD RUIN MY CREDIT. SO I HAVE CALLED COUNTLESS TIMES. I SPOKE WITH XXXX XXXX AT BEST BUY CORPORATE WHO SAID HE WOULD HELP ME, BUT THEN HE SAID IT DOES N'T CONCERN HIM IT IS CITIBANK THAT I NEED TO DEAL WITH. I HAVE BEEN CALLING ALMOST DAILY SINCE THIS HAS HAPPENED, BUT NO ONE WILL HELP ME. I FILED A POLICE REPORT AT BOTH THE XXXX POLICE DEPARTMENT AND THE XXXX XXXX POLICE DEPARTMENT. AT BOTH STATIONS THE OFFICERS WERE ABLE TO SEE THE ISSUE, AND I WAS TOLD I WAS RIGHT. XXXX XXXX EXECUTIVE RESPONSE UNIT XXXX WAS THE PERSON XXXX XXXX TOLD ME I NEEDED TO TALK TO. WHICH I DID. I FAXED AND MAILED MY PROOF INTO CITIBANK SEVERAL TIMES, BUT HIS RESPONSE IN A LETTER WAS HE WAS DONE WITH THE ISSUE AND I SHOULD KEEP PAYING. HE SENT IN HIS LETTER TO ME WRONG ACCOUNT NUMBERS AND BECAUSE HE SAW A MINUS ON MY STATEMENT HE FEELS I GOT MY MONEYBACK. BUT I HAVE XXXX CREDIT CARD ACCOUNTS WITH BEST BUY CITIBANK. HE COULD N'T EVEN GET THAT RIGHT. THE STATEMENT CLEARLY SHOWS THEY CHARGED ME IN THE PURCHASES COLUMN {$720.00} FOR A PURCHASE, AND THIS WAS CLEARLY A RETURN. I DO N'T FEEL I SHOULD CONTINUE TO PAY FOR ITEMS THAT I DO NOT HAVE. THEY WO N'T CREDIT ME FOR MY BALANCE THEY SAY I STILL OWE OF {$330.00} FOR MY RETURN SINCE THEY MADE ME PAY MONTHLY {$380.00} FOR ITEMS THAT WERE RETURNED TO THE XXXX XXXX AT THE XXXX BEST BUY ON XXXX XXXX, XXXX. I 'M PAYING FOR NOTHING BECAUSE BEST BUY HAS THE XXXX XXXX XXXX AND XXXX AND MY MONEY, AND THREATENS TO REPORT ME TO THE CREDIT AGENCIES IF I DO NOT CONTINUE PAYING ON IT. NO ONE WILL HELP ME!!!!

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 04/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with Bliksum, LLC (OR).
Issue: Getting the loan

Complaint: I applied for a personal  XXXX  XXXX  XXXX  around  X/XX/17    beginning with their prequalification application. I was contacted by   XXXX   XXXX   to complete the application. Once I spoke to someone a verified the interest rate/apr I emailed  XXXX   XXXX  stating I will not be moving forward with the loan application at this time. From that point forward I began getting an overwhelming amount of autodialer and human operated phone calls to complete the loan application as well as emails ( multiple calls & emails daily ) from  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I have my phone records and emails for reference if needed to confirm these allegations. Because I was still in need of locating a personal loan I contacted   XXXX   XXXX    via  Chat  messaging to complete the next step in the application and have my credit pulled. I completed and provided everything required as I was pre-qualified. I was later informed by  XXXX   XXXX  that my loan was declined due my  XXXX  bank account bot being open 90 days, I was  2  weeks short of 90 days. I let her know I have an open  XXXX   XXXX  account and that I was currently transitioning from  XXXX   XXXX  to Chase. Immediately once she discovered I was declined she stopped responding to my emails so I had to call her multiple times to get a response. She advised for me to try and apply after  X/XX/17   . My adverse action letter stated I was declined due to serious delinquency, collection filed, revolving ratios & proportions, length of time legal item filed. This is not at all why I was explained I did not qualify. If you have to have an open bank account with direct deposit for 90 days should n't that be part of the pre-qualification prior to pulling someones credit and causing a inquiry and potential decrease in score? I feel  XXXX  needs to re-evaluate their pre-qualification and final approval/decline procedures to be consumer driven so consumer are not under the impression they are approved based on all factors except for a bank account open date. Keep in mind  XXXX  wanted 135 % + in interest/apr and I was able to obtain a personal loan from another lender with rate of 35 %. I have since been receiving emails from  XXXX  from  XXXX   XXXX  to contact her to reapply. How would this make sense If my adverse action letter states I have multiple reasons I was not approved yet the same company wants me to apply for a loan 3 weeks later with understanding I would be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed bankruptcy and included the loan from XXXX XXXX XXXX for my vehicle in my bankruptcy. I was to return the vehicle, but it is being shown on my credit report as a repossession. I have documentation and emails from my attorney stating that the information being reported on my credit report is not accurate. I have tried to dispute this several times, but the action has not been fixed.

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 04-06-2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Balance transfer

Complaint: I initiated a balance transfer over 6 weeks ago with my credit union to pay off my Citi Card account. Citi has subsequently refused to apply the payment. I have been fighting with them for over a month. First they claimed they did not receive the check, when I provided proof that they did ( and deposited it ) they then claimed they could not tie it to my account. When I pointed out that the copies of the check clearly show my correct information they made me send information to payment investigations. Two weeks ago it was confirmed by Citi that the payment was located and would be applied to my account. It still has not been and they refuse to give me further information. Meanwhile I cancelled all of my autopayments with them and confirmed it with a representative. Two weeks later they are claiming that I did not do so and they will not allow me to do so. They are stealing my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with BROKER SOLUTIONS, INC. (CO).
Issue: Application, originator, mortgage broker

Complaint: New American Funding ran a paid advertisement on the radio. The broadcast said that a special refinancing offer was available for people who called during the broadcast. The advertised rate was 3.375 % 30 year loan bought down to 2.375 % for the first year for a refinancing. Also, the ad said that there were XXXX closing costs. They kept emphasizing all of these points. I called during the broadcast and Spoke to XXXX XXXX, one of their lenders who did business in Colorado. We have EXCELLENT credit, and a large escrow in our house. I told him ideally we would like to refinance our first and second loans together and then he asked for all of our confidential information ( where we do banking, our salaries, our social sec numbers, etc ). He said he would get back to me in a few hours. Did n't hear from him. I called the company two days later and they tracked XXXX XXXX down. Yes he had the wrong email for me, but still did n't have the numbers. Then he called back and said he could only get us a 3.875 % loan with us having to bring in {$6000.00}. Now this did n't make sense and was n't what was advertised! I asked him for a good faith estimate and told him I was really unhappy. He said it was because we were trying to get cash out ( to also pay off a credit card ). I said " fine '' forget the cash out. I want the special offer of 3.375 % /2.375 %. He said he would go back and get me another set of numbers. Waited another 2 days. Then he still came back at a much higher rate. Said this was because the special offer was only for loans above {$410000.00}. Now I 'm really starting to get frustrated. The hidden limitations were not making sense. I told him to refigure the loan again ... the rate he was quoting me was ridiculous and way above market rates. I also asked him for a copy of the loan limitations. Then he said he would get back to me that day. Waited 8 hours .. no reply XXXX next day no reply. He only replies when I cancel the loan refinancing. 

Either XXXX XXXX is playing games .. or New American Funding .. whom XXXX XXXX XXXX .. is playing games.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Student loan was turned over to a collection agency, Immediate credit recovery Inc. I called several times prior to them garning my wages to discuss a resolution. I have left several voice mails prior to the garn taking place and after. I have never recieved a return phone call and they have started garning me. I just returned to work from a 6 month short term disb and this is crippling me. I tried to set somehing up prior to garn while on disb and no one will return my calls!

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have several issues on my credit report I am trying to get removed. I have XXXX alleged debts that have been reported on my credit report for about XXXX years. Both of these debts are debts I did not make, do not owe, and want off my credit report. The problem is, how do you show proof that you do n't owe a debt. I do n't have documents that say debt X is XXXX I did not make on XXXX XXXX, 2010. XXXX of these alleged debts is from a cell carrier. I paid and closed the account. About XXXX months later I received a bill for XXXX months of service after I had paid and closed the account. Another is from my previous auto insurance. They paid me on an insurance claim and then some months later sent me a bill and claimed they paid me a XXXX and change too much and were demanding payment or they would send me to a collection. I do n't owe them anything. They paid me what was owed. I 've attempted to dispute both of these with Experian and they refuse due to it being a " frivolous '' dispute. I have to send them supporting documentation stating I did not make these debts or they do n't belong to me before they will consider proceeding with a dispute. I 'm puzzled as to what to do at this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I mailed a written dispute to Equifax on XX/XX/17 to remove a XXXX XXXX XXXX account from my credit report that is not mine. To this date, I have not received a proper response to my claim and this account is still being reported to my credit. According to my report, it has an account number of # XXXX with a debt of {$8400.00}. The reason I am filing this complaint is because I have already spoken to this collection company in the past and they can not pull up any records that match my personal information. In addition, this account is only being reported by Equifax to my credit. It is not being reported by XXXX or XXXX which is another reason to believe that Equifax is reporting someone else 's account on my credit. I am attaching a screenshot of a recent report that shows this fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A " letter from XXXX named me as a merchant but I have never been nor have accepted payment to me by credit card as a XXXX ( retired XX/XX/XXXX ). They sent the letter to my legal residence rather than what our Town 's US Post Office requires us to use. Their Security Dept. I told me in early XX/XX/XXXX that the account " had never been opened '' because " it did n't look right '' & that no transactions occurred, but they sent a Statement or the XXXX reporting {$4400.00} in transactions ( including {$98.00} fees ) alleging deposit of {$4300.00} to my bank ( which my bank never received ), despite the phone assurance, then sent a XXXX form ( contradicting their phone statement & continued to send " Statements '' ( using the corrected address I had provided ) until XXXX XXXX in XXXX XXXX Office contacted them. They called to assure me that they knew that the account was fraudulent but refused to provide evidence of how it was opened or where alleged bank deposits were sent. Despite this assurance, I just received a collection notice from Transworld Systems Inc. for {$4700.00} ( for " XXXX '' ) which I immediately disputed with XXXX XXXX by phone. XXXX XXXX offers self-opposing facts, untruthful information & no useful service.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (TX).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: between XXXX thru XXXX, i was looking to purchase a vehicle and a lot of finance companies reported my credit without my consent.

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 01/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a XXXX who is utilizing the Public Service Loan Forgiveness Program ( PSLF ). I recertified my loans XX/XX/XXXX and switched loan programs from the IBR to the Pay as Your Earn program. I called multiple times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to make sure the forms were filled out correctly and everything would be processed on time. Despite my efforts, the forms were not processed correctly. I should have only been billed for a {$5.00} forbearance payment in XX/XX/XXXX ( mandatory to switch to PAYE ). However, for some reason my forbearance was not processed correctly and I was billed my normal payment amount of {$650.00}. Further, if I made this payment it would not count to the PSLF program. I was told on multiple occasions that I would receive a new bill for only {$5.00} sometime from XX/XX/XXXX to XX/XX/XXXX but that bill was never received. I called again on XX/XX/XXXX and was told the forbearance was not processed and I had to submit a new forbearance request. This new request was finally processed on XX/XX/XXXX and due to that, my forbearance payment would not be made until XX/XX/XXXX and I would not officially be recertified under PSLF until XX/XX/XXXX. As such, I am losing 2 months worth of payments that should be eligible under PSLF ( in addition to the one month forced forbearance to switch to PAYE as well ). The loan company essentially told me there is nothing they can do despite that I did nothing wrong, called multiple times, and was very proactive in trying to prevent this problem. This is very typical of my experience with the loan company and the PSLF program. Every year, either my wife or I have issues recertifying for one reason or another. Many times the loan company just miscalculates how much our payments should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent notices to XXXX XXXX XXXX XXXX whose address is XXXX. XXXX, XXXX XXXX XXXX, XXXX, CA XXXX and have asked them to verify and validate this supposed debt. So far, all they have sent me are copies of billing statements. I have also asked for and have a right to documentation with my signature that shows I owe this debt and an agreement that grants them the authority to collect on this alleged debt. I also would like a copy of their state license, including the license number which gives them the legal authority to collect in the state of Ohio. Again, I have received nothing from them other than some billing statements. I have no signed contract with this company and they have provided me nothing whatsoever with my signature on it.

Company response to consumer: Closed with explanation