milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with On-Site Manager, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hello, I applied for an apartment with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . I spoke with the leasing manager  XXXX  and I advised her of my situation. I let her know that I filed Chapter  XXXX  Bankruptcy and it was discharged  X/XX/16   , over a year. All of my credit since the BK is all in good standing.  XXXX  advised that she has had multiple renters,  XXXX  or  XXXX , with the same issue and they were able to get approved.   So I applied, with the special- {$150.00} holding deposit and  XXXX  month free. After they ran my credit,  XXXX   XXXX  reporting agency asked for documentation from the civil court showing my judgments were satisfied. I supplied on site the Superior court documents and documentation from the civil court. They still denied me. I was told that I should n't even apply to these apartments because they wont accept me. Then I was hung up on by On Site. I had my father as a co signor and The Landing and On Site still denied us and never told us a reason why. I I feel discriminated against. I know have added my mother and father as a guarantor and I am waiting for a call back from The Landing. I am thinking they are going to deny us all again, even though with my parents as co signors I am overly qualified.     I am filing a complaint because my credit report should have been updated with the correct information with On Site. I am upset at how on site and the Landing have treated me as a customer. I was discouraged from applying, yet others were accepted with  XXXX  evictions ..     On Site has reported information that has denied my application when all judgments and liens have been satisfied. Please help. I know I have rights and that I am protected from being profiled, racially and I am being denied due to my BK that has been discharged and satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I called in today XXXX/17 at XXXX XXXX est and wanted the company to relook at my two credit cards because they denied me a credit line increase. the reason for denial was too many inquiries. I asked for an explanation and the first rep transferred to a supervisor when I asked then the supervisor discouraged me from applying for further credit and could not explain why this letter referred to XXXX as the reason for my denial when she says it was internal reasons that I asked too many times internally. I then asked for her manager and this person again could not fully explain what the reason means and why it was giving me XXXX as the reason. He stated again that it was internal and that the system makes the decisions not them and proceeded to discourage me from further applying for credit. The call was recorded and the manger told me I could not apply again for six months that they would not accept my application. I ended the call with the manager because he could not help me and he was discouraging me from getting the credit line increase I need to keep my utilization in line and do my XXXX shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (CO).
Issue: Rewards

Complaint: Barclays Bank Delaware closed all my accounts without just reason. Indeed, they are allowed to close for no reason, under the cardmember agreement. However, credit card points accrued should not be forfeited without giving the customer ample time to redeem them.

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 11/18/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (NY).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: XX/XX/2017 I spoke with a representative and told them that I have a debt consolidation company handling the matter but they still call 6 times a day regularly before XXXX XXXX and after XXXX XXXX. The company is 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 non-monetary relief
Consumer complaint received 07/14/2017 about Debt collection (Mortgage debt) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX ,  XXXX . of  XXXX   XXXX   XXXX   XXXX   XXXX  handled the foreclosure matter on our home. We sold our home on   XX/XX/XXXX    , 2 months before the scheduled sheriff sale date of   XX/XX/XXXX    , and  XXXX   XXXX  asked for and received the sellers disclosure on   XX/XX/XXXX    . We also signed a confidential settlement agreement that  XXXX   XXXX  prepared. However,  XXXX   XXXX  refused to cancel the sheriff sale even after we contacted the sheriff department, told them the house was sold, and the sheriff department reached out to  XXXX   XXXX  to cancel the sale.  XXXX   XXXX  still did not cancel the sale. Our name was wrongfully published for 2 months on every auction website and we were inundated and harassed by attorney and realtor solicitations. We were also contacted by family members and old neighbors advising us that our SOLD home was still up for sheriff sale. The sale was never canceled despite all our attempts to get  XXXX   XXXX  to do his job and cancel the sale. We do n't know why a debt collection firm would behave in this type of unethical and harmful behavior other than to cause our family severe emotional distress and to cause us financial harm. We have tried to settle this matter with them.  XXXX   XXXX  's response has been to threaten us with in-house legal action when we informed him of our intent to file an ethics complaint as well as this complaint with the CFPB.  XXXX   XXXX   XXXX   XXXX   XXXX  is well known for their abuse of homeowners. In this case, they should not be allowed to intentionally inflict pain and suffering on homeowners who have already sold their home. We sold our home and 2 months later we went to sheriff sale. There should be consequences for this type of criminal behavior. The real question is ... why did he do it? Was taking it to the sheriff sale date an important milestone that needed to be met in order to trigger insurance payoffs or other incentive pay. I strongly suspect this is the case and the CFPB should be looking into this matter closely.

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Cogent Road, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After briefly speaking with   XXXX   XXXX   XXXX   on   XXXX   XXXX   XXXX     to inquiry about the services they offer. I was told that my personal information would be needed to obtain information about their services. I specifically asked how my personal information would be used including my social security number. I was told that collecting this information is standard and only used for their customer service database and that my social security number would not be used without my permission for any reason. I was very angry to see that I was not told the truth and that my credit was run by your agency without my written or verbal permission. I was immediately notified by my credit monitoring service,   XXXX   that my cre dit may be at  risk. I called  XXXX ,  XXXX  and   XXXX   to inform them that I had not given your agency or   XXXX   XXXX   XXXX   to use my credit without notification.     I was told by each agency to contact   XXXX   XXXX    because t his is the company that ran my credit without my permission or ever speaking with them. Each bureau stated to ask   XXXX   XXXX    to remove  the hard inquires that were placed on my credit reports without permission. Each credit bureau stated that your company can remove the inquiries from my credit reports in the same matter as they were placed. Im formally asked them in writing that   XXXX   XXXX    remove the se erroneous inquiries from my  XXXX ,  XXXX  and   XXXX   credit reports. I read their website in depth and I see that they value consumer information privacy because their website clearly states that that I must be on the telephone to verify personal information about myself to ensure that the company is speaking with the right person before they will run your credit. This protocol didnt happen in my case and Im very upset and I never gave authorization to   XXXX   XXXX   XXXX   or   XXXX   XXXX    to share  or run my information.     I sent a certified letter to    XXXX   XXXX   after spe aking with  XXXX  who works for   XXXX   XXXX    .   XXXX  stated that I would need to send a certified letter to their office asking that the hard inquiries be removed from all of my reports. I sent the letters and received the return receipt back confirming that   XXXX   XXXX    received m y letter. I have called  XXXX  numerous times and he has never called me back and I even sent a message via their website and no one has gotten back to me.     I 'm asking that your agency please help me to resolve this matter as I have tried to no avail to get a response or the hard inquiries removed.     Thank you in advance for your time and attention.

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 05-02-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a payment arrangement wit h Portfolio Recovery Associates.  I make all of my arranged payments on time, through my checking account. I have receipts showing that the payments were sent to  Portfolio Recovery Associates at th e correct account number, but every month I receive a letter stating that my payment was sent to my original creditor, who " forwarded the payment '' to PRA. My check receipts clearly state that the check was sent to the PRA, but both the rep and the  manager  that I spoke to claim that it must be my bank that is sending the payment to my original cred itor ( how wo uld they even know who that is? and why would they care? ) and the only way to resolve the issue is to set up automatic debits through my checking account, which I refuse to do for obvious reasons. They are forwarding my payments to my original creditor and my original creditor is then forwarding the payments back  to PRA, so that t hey can charge me late fees, and bully me into giving them permission to help themselves to my checking account. I just want to correct the issue with the mailing, and have my payments post on time, but they refuse to correct the issue that is obviously on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My account is current listed as being delinquent despite the fact that I have continued to make payments, even in excess of the minimum amount due. For some reason, for the the pa st three months my payments have been misapplied to loans that were consolidated years ago. I 've contact FedLoan four times by both phone and e-mail over the last three weeks and this still has n't been fixed. I honestly do n't know what to do, despite paying on-ti me and in excess of the minimum payment I 'm still delinquent and ca n't get anyone to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX / XXXX /  XXXX   - I received an electronic state ment from Citi that I owed {$95.00} annual fee on a closed AAdvantage account. I then contacted them through their online Secure Message s to inquire about the charge. They responded saying the account was now closed and prorated the fee down to {$23.00} since their " record '' showed I did not call to cancel in  XXXX   XXXX  and I was over the " 37 day cancellation period '' to receive full refund.  <P/>  XXXX / XXXX / XXXX  - After over a month of messages back   and forth, I told them I 'd contact Citi Corporate since they could n't resolve the issue. I also pointed out that to this day, I was still able to generate a Virtual Account Number on this " closed '' account. They responded with the Office of the President address.
<P/>
Citi reps were quick to come back and argue but never attempted to investigate the integrity of their computer/billing system, ( 1 ) why the closed account is still active, and ( 2 ) IF they had been sending out statements, finance charges would have accrued on any outstanding b  alance since  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 03/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXXPhone Number : XXXXXXXXPhone Call Date : XXXXXX/XX/XXXXPhone Call Time : XXXX ESTAfter receiving the feedback from Transunion I reached out to XXXX to receive some verbal information/confirmation since Transunion only verifies electronically. 

I asked XXXX the Debt Collector Agent a few questions regarding this account. Her answers are provided in red:1. What is the Account Name : XXXX XXXX2. What is the information from the debt collection agency? 
Name : XXXX Address : XXXX XXXX XXXX. 
XXXX, FL XXXX Business Phone Number : XXXX Professional License Number : I do not have XXXX What address does this collection belong to? 
XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Have you reported this account to the credit bureau? I do n't know you would have to tell me if it is reported or not. 

4. If this debt was reported to the credit bureau how long would it stay on my file? I do n't have that information as I only have a little information regarding this account. 

5. When is the deadline expiring for me to pay this debt? I do not have this information available as I am only a third party debt collector. All I know is that the debt was acquired in XX/XX/XXXX. 

6. How long have you had this debt? This debt has been in our office since XX/XX/XXXX. 


Per the above responses the Agent was not able to validate anything besides the amount and date ( s ). I do n't consider this validating the debt. Validating a debt would be receiving a copy of a contract with my signature, payments made to the account in my name etc. If the Debt Collector is at liberty to obtain my address from the Credit Agency ( as they have an old XXXX on file ) then that means the credit agency also provided my phone number and social security number too. Transunion verified the name, social security number and address. However the address attached to the debt was not an address listed as current or previous on my credit file. The agent was unable to provide me if this debt was reporting to any credit agency. How can I debt be verified if the agent alone can not verify what is and is n't reporting to anyone. They are a debt collector this information should be known. If this debt was acquired in XX/XX/XXXX the SOL has passed on this account. So why put an account you ca n't even collect on my account. I currently have XXXX and in order to get service I had to pay previous balance ( which was none ) as well as a deposit which was on {$50.00}. XXXX has already verified that I am not currently in collections nor have I ever been. Please remove debt. The attached documents shows My correct XXXX account and that I am not currently in collections as my balance is a little over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On my credit report is an account that is XXXX XXXX XXXX, as well as paid in 2012. I have disputed this account several times it will be removed for a while, then it is re inserted and re dated. I have disputed it with the credit bureaus and they call it a valid debt. I do n't understand how the bureaus validated that information, when I have written and called the address and phone number provided on my credit report and the number is disconnected or no longer in service. Trans World System # XXXX XXXX XXXX, DE XXXX is reporting a {$280.00} debt on behalf of XXXX XXXX. The account is XXXX XXXX XXXX well past the statue of limitation and reporting time limits according to the fair credit reporting act. XXXX XXXX services all of Texas and will not provide service to you with a outstanding bill. In XXXX of 2012 the outstanding bill was paid. Since 2012 I have been trying to keep this inaccurate collection account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Advertising and marketing

Complaint: Went to Citi website and was pre-approved for selected offers after filling out my information, also I had received pre-approved emails for Citi ThankYou Premier Card and Citi XXXX XXXX cards. 
My credit is excellent, and I applied and was asked to verify my address, but that " everything else looked good '' I was told on the phones by the underwriting department. 

I sent in the necessary verification, and was later told I was denied due to inquiries, which they would have known during the pre-approval and offer process and should not be a deny reason. Please help! These inquiries have now tarnished by credit and they have not fulfilled the offer as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a huge student loan. I keep getting charged monumental fees and/or interest rates every month for the past several years. It was in forebearance, but every time I try and get on an auto pay & payment plan, they take forever to approve, do n't communicate what is going on and continue to send " late '' bills, report to credit and I have been paying what I usually pay on my repayment plan. Whenever I have to resubmit information, it starts all over again and usually takes them months to reserve. I have been charged several thousand in this hassle, plus has greatly affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I am filing this complaint because TransUnion has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 02/16/2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a call from ( XXXX XXXX ) on my business phone with no message. Called back thinking it was a customer and was forwarded to an unknown extension. Person said I owed XXXX to some bank I do not remember ever doing business with. 
A male voice told me my whole Social security number over the phone, then said the determination has been made to seek judgment. I said I do not respond to threats or scams and he had no business with my personal information. He tried to continue, but I hung up and immediately filed this complaint. My credit has been very good for well over 12 years. No such ( XXXX ) or other is listed anywhere on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax carelessly mishandled my information, opening themselves up to a breach that has placed myself and millions of others at risk of having our identities stolen. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no notice and only became aware of this from articles shared on social media.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Payday loan, title loan, or personal loan (Installment loan) with Duvera Billing Services, LLC (WA).
Issue: Charged fees or interest you didn't expect

Complaint: My transmission needed repair in XX/XX/XXXX and the cost was {$3200.00}. I needed financing for {$1500.00}, and XXXX approved me through the transmission repair company ( XXXX XXXX XXXX XXXX in XXXX ). My payments were set to be {$280.00} which I said I could not afford, and XXXX verbally told me they would work with me after I made a successful payment. My husband then lost his job, and when I called XXXX they would not negotiate and I could not make my payments. In XX/XX/XXXX XXXX emailed me with a one time offer of reducing my payments to {$150.00}. I called and accepted. Although my husband still has not returned to work, I have been saving my money to pay off this debt. I called XXXX today, and was shocked to learn that the {$150.00} payments I have been consistently making, have not even touched the principal balance. Even worse, the payoff balance is {$2000.00}. I offered to settle, and the customer service rep told me to " make an offer ''. I offered {$1400.00} and that was rejected with their counter-offer of {$1700.00} which I do not have. I have paid {$1700.00} in financing fees since last XX/XX/XXXX and I want to get rid of this debt. Attachments are included. This simply can not be legal. Thank you for any help.

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