milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am contesting the account with Barclays Bank Delaware. It is an account that was opened without my consent. It is showing a balance of {$840.00} with a {$500.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 168 % usage. I need XXXX and Barclays Bank Delaware to correct this account on my XXXX report. I should not owe Barclays Bank Delaware anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I WAS A VICTIM OF IDENTITY THEFT OVER A YEAR AGO. ALL CREDIT BUREAUS ADDED A FRAUD ALERT TO MY ACCOUNT. I DID NOT ASK THE CREDIT BUREAUS XXXX, XXXX OR EQUIFAX TO ADD A FRAUD ALERT BUT BECAUSE OF THIS COMPALINT IN REF TO XXXX IT WAS ADDED. PLEASE CONTACT ALL CREDIT BUREUS AND REQUEST THAT THIS ERONEOUS ALERT BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I did not receive any of my welcome bonus offers from my American Express XXXX card after finishing the required purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Account not reporting correctly. Account is reporting past the terms allow. Account is updated with new information & dates to justify longer terms. Reporting inaccuracies and not making correction instead it states verified.

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 09-09-2017 about Debt collection (I do not know) with Focus Holding Company (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Credit report showed this company had placed my 'account ' in collection status. I was never notified of any letters/documents that pertained to this 'owed amount '. Below is what appeared on my credit report. 


Collection Accounts Collection Accounts Accounts in collection status FOCUS MGMT  Condition : Open Date Opened XXXX Balance {$190.00} Type : unknown Pay Status : Collection/Chargeoff

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company bought a debt that has been disputed and removed from my credit reports. There is NO CONTRACT or any evidence bearing my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/14/2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Was notified by a collection agency that they were attempting to collect on an online loan made by someone using my name and social security number. The said loan was made in 2014 but the company is just now attempting to collect. Collection agency has not been forthcoming about any information and will not verify any details about the fraudulent loan ; all they want is money.

Company response to consumer: Closed
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We recently applied for credit for our small business. We were declined with the explanation that American Express card reported that they had to close our account and write off the balance due of several thousand dollars in the latter part of XX/XX/XXXX due to lack of payment. This is simply not true. We were admittedly running slow on payments due to business challenges, but we made payments of at least {$100.00} per month to show AMEX that we were at least trying and would do all we could we could to pay down the balance. A payment of approximately {$3700.00} was made by us to AMEX in XX/XX/XXXX which paid off the full balance. We have bank records to prove this. The AMEX account was closed, and we thought that was the end of the issue. We had no idea that AMEX reported to credit agencies that they allegedly had to do a write off. 

We immediately contacted AMEX via phone to advise of the issue. That started a frustrating series of phone calls, being told that we had to call a certain department, only to be told by that department to call someone else, and then someone else, and so on. 

The request that we made of AMEX is to please immediately update credit reporting agencies that the account was paid by us in full, and that they did NOT have to do a write-off. Our goal is to restore our good credit. If for whatever reason they don't feel they can correct their error with reporting agencies, then we would expect a refund of the funds that we paid to AMEX. But, we don't feel AMEX can have it both ways- keep our money AND incorrectly tell reporting agencies that we defaulted. 

Thanks in advance for your help CFPB. We would have preferred to have just worked this directly with AMEX, but they show no interest whatsoever in working with us. We come to you as a last resort to achieve a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a sale date of  XXXX / XXXX /  XXXX   while working to get a loan modification. I was previously told that the foreclosure was placed on hold but now suddenly they have  one sche duled days before. The person that has been assigned to my file,  XXXX   XXXX , was requesting for some documents days before the scheduled date. I was able to provide them the same day via email. Days later after the  3rd pa rty that i am working with provided them the documents, the notes state that  XXXX   XXXX  is requesting the same documents the day before the foreclosure sale date. I dont want to lose my home over some negligence of processing my documents on time. I was told today that the sale date is still scheduled for tomorrow and of course I am unable to get a hold of  XXXX   XXXX . Please help me as I do not want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit card () with U.S. BANCORP (OH).
Issue: Late fee

Complaint: I had a credit card payment due on Sunday. The following Monday was a Federal Holiday and the Branch where I make my payments was closed. I made the payment on Tuesday. I was charged a late payment charge and interest on my next statement. I called the Bank 's Credit Card Processing Services and they said they would credit the late payment charge as a courtesy but would not credit the interest charge. The supervisor told me I should have made the payment on the Saturday prior to the due date. Are the late charges and interest proper on the banks behalf?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Student loan (Federal student loan servicing) with ACS Education Services (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended a XXXX school called XXXX XXXX XXXX. I finished in XXXX of XXXX and the school closed it 's doors and revoked any availability of support promised at the time I signed my school contract. They took 3 months to find my externship and I did n't perform any of my skills from school at the externship. I was n't hireable. After spending {$10000.00} and earning a XXXX G.P.A. I could n't pass the XXXX skills test the same month I graduated. I have applied to ACS 's program to eradicate XXXX Colleges student debt, but was refused since I finished the program despite clear language in Section 6 " Terms and Conditions for Loan Discharge Based on School Closure '' of the application that states if withdrawl was XXXX after closure exceptional circumstances related to the closing of the school closing could justify and extension of the 120 day period that include but are not limited to : loss of accreditation, discontinuation of the majority of the schools programs, action by the state to revoke the closed school 's license to operate, or a finding by the government that the closed school violated State or Federal law. My experience at this school falls under all of these included but not limited to examples in the application. They closed due to a law suit that caused them to have their permissions to teach revoked until they re-organized as XXXX. I provided supporting documentation from reputable sites like XXXX and XXXX of the school closures associated with XXXX XXXX XXXX. They state XXXX became XXXX in XXXX. I attended XXXX XXXX XXXX which became XXXX in XXXX of XXXX. I don no know when they actually closed their doors, that is up for speculation. They avoid and do not acknowledge that fact they are denying my request based on institutions that have NOTHING to do with myself or my Federal loans. I was told by XXXX how to complete the application due to my situation. Please see the XXXX page attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (NV).
Issue: Deposits and withdrawals

Complaint: I bank with Navy Federal credit Union, I have direct deposit. This bank without autoririze took my va deposit and made a payment without my autoririze. They have no right too take my money. What kind of bank automatic take a Payment without your permission ... Now if I went into any bank or company and take money without been authorize would be a crime. Big cooperation make their owned rules

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (I do not know) with Allied Interstate LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Beginning  XXXX / XXXX /2017 started receiving calls from  XXXX . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  .
The first couple of calls I answered not knowing who it was on the line. They do not answer me, I can hear noises in the background like faint voices and phones ringing, but they never speak. If I say " HELLO '' a second time, they hang up. I do not know who it is, what they want. I once tried to call the number back, but it puts you in a calling que ( on hold for the next available person ) but no one ever picks up the line. I 'm really tired of getting these calls especially when they do not leave a message or tell me what   they want. I would like help stopping these calls to my cell phone.

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 01/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/13, without my authorization, Bank of America withdrew {$29000.00} from my personal account to charge off my company credit card ( XXXX - Bank of America ). My corporation had a separate bank account and a Business card account with Bank of America not linked with my personal account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I realized in XXXX after filing my taxes that my identity had been taken as far back as XXXX, I filed a complaint with XXXX, XXXX, FTC, XXXX XXXX XXXX office and had XXXX try to help me clear it. These items are still on my report, they say they are verified and I should provide documentation to show it was not me ... .that is difficult to do, the fact the person who took my identity has the same information that I have, which is me. 
There a cell phone bill and credit cards that have been open in my name and never paid. Unfortunately the companies do n't care if it was you, they only want their money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: On XXXX XXXX, XXXX at approximately XXXX I went to the Bank Of America Drive Up Teller located at XXXX XXXX XXXX, XXXX XXXX NC XXXX. I went to cash my payroll check as I normally do. I was told by the XXXX XXXX that there was a {$1000.00} limit at the drive up teller. I have cashed my check multiple times at this drive up location and have never been told before about this limit. I then told him no worries I would use the ATM for Teller Assist. I went and waited in line for the ATM then proceeded to use Teller Assist to cash my check. I was greeted by XXXX from Teller Assist on XXXX XXXX at XXXX who proceeded to cash my check. She had me verify the information and asked me if I would like a receipt with check image which I did. She placed me on hold and came back after several minutes and told me that she could not verify my check and I would need to go into the financial center. At this point I was very frustrated and asked for her supervisor, she then simply hung up the session without letting me talk with a supervisor. I went into the branch and expressed my frustration with the teller and asked for XXXX the branch XXXX to give me a call which he never did. I called into customer service to express my concerns and asked for a follow up. No one ever contacted me. I called back on XXXX XXXX and spoke with an agent and supervisor who again forwarded my complaints to different places but informed me they could not promise a followup. My check is a payroll check from XXXX XXXX XXXX, XXXX. my employer which is a check that is drawn on Bank of America at that very location I went to. I have issues cashing my check here with delays nearly every XXXX and XXXX of the month that I go here to cash my check. There are no issues with the business account as I am the book keeper for the business so there are no excuses why I have to keep experiencing the types of delays I am. If Bank of America wants to continue to cause me delays twice a month then they need to schedule a meal to be served to me because my time is valuable and I 'd rather not be spending my short lunch break trying to deal with the tellers and having to wait unnecessarily. Since this is a Bank of America check and I 'm an account holder it is pretty egregious to have me jumping through all these hoops to cash a check twice a month. I 've attempted to resolve these issues with Bank of America to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Medical) with State Collection Service, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: These people call using blocked numbers and play like they have established an agreement with their victims by having their robot talk to voicemail. 
Then when I get their address and send them the information notifying them that their " alleged client REFUSED to follow procedure and submit a request to XXXX in Colorado, they wait 30 days and then start in with their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Complaint that I have is with TRIDENT ASSET MANAGEMENT. Over the last 4 months I have requested validation on multiple occasions for several debts that are listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with TRIDENT ASSET MANAGEMENT. I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. 

Please Help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I filed a dispute letter with TransUnion on XX/XX/XXXX regarding 7 unauthorized inquiries into my credit. I received a response from the company on XX/XX/XXXX that an investigation was being conducted. I sent a follow-up letter via certified mail on XX/XX/XXXX after 30 days had lapsed and I still had not received the results of the investigation. It is now XX/XX/XXXX and I still have not received the results of the investigation as to these 7 unauthorized hard pulls on my credit.

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 06/28/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: this account is 15 years old account number XXXX I am disputing this because its beyond the time frame

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Taking out the loan or lease

Complaint: I contacted the CFPB about a year ago regarding the following case. I thought it was resolved but with recently moving from XXXX to XXXX I received a new monthly lease payment reflecting sales/use tax. I have received my new monthly statement for my XXXX XXXX lease payment. It reflects an increase of {$44.00}. Calling XXXX they explain to me that because I moved to XXXX from XXXX my tax rate changed from 6 % in XXXX to 9 % in XXXX My question to XXXX was how can I continue to pay a sales tax on a lease transacion made back XX/XX/XXXX. After going around and around with the rep on the phone I finally said, the truth to all this is that when I purchased ( leased ) the vehicle from XXXX Chrysler/XXXX in XXXX XXXX they did not properly disclose to me exactly what my monthly payment consisted of. In the negotiation I was led to believe that agreeing on a monthly payment of {$490.00} was all inclusive and that it was based on an agreed purchase price for the vehicle. Evidently what actually happened was that XXXX Chrysler/XXXX in XXXX XXXX simply deferred the sales/use tax but did not make me aware of this. As a result I am once again getting an increase in my monthly payment for this supposed sales/use tax that I was not told about when the original leasing took place.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My XXXX child was hit by a commercial van on XX/XX/XXXX. We almost lost her, there was an extensive hospitalization. I lost my husband on XX/XX/XXXX from XXXX. I was left with XXXX children ; my XXXX has XXXX and XXXX, myXXXX child was born with XXXX and XXXX. 
I work as a XXXX and struggle daily with the financial obligations of homeownership and medical expenses for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Second or third time I 've had this issue with capital one. When I was upgrading my card I was told there would be no annual fees not only for the first year, but no annual fees ever I am always very specific about this. And after a year I received an annual fee! I call in ( takes over an hour! ) Manager says although I was given incorrect information there is nothing she can do and I will unfortunately have to pay it. This is YOUR business YOU are the one responsible for what you say, you 're the professional not me. She agrees but says i 'll have to pay the fee for their mistake ... That 's crazy. I insist i 'm not going to and that you 're not allowed to lie to the customer and after about 10 minutes of standing my ground she said she would 'look into it. ' First of all they are n't going to look into it they never do, and second had I not insisted for 10 minutes, spent over an hour being transferred from one person to another I would have got stuck paying this bogus fee ( and as of right now they still want me too! ) {$19.00} is worth an hour of my life and a lot of americans feel that way too so they do n't even call in to argue. This needs to stop! Oh and they also 'correctly upgraded my card ' so there should n't be a {$19.00} fee next year ... or so I was told. They just prey on people forgetting and not wanting to waste their time calling in. Insane.

Company response to consumer: Closed with explanation