milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2017 about Debt collection (Credit card debt) with The Bureaus, Inc. (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: First : I opened a credit account in the XXXX ( XXXX XXXX ) in XXXX, XXXX. 
Second : My last payment on this credit account was on XXXX XXXX, XXXX in XXXX, XXXX. 
Third : After my last payment I cant pay any more, because on XXXX XXXX, XXXX I lost my job and I had several health problems up date. 
Fourth : On XXXX XXXX I enrolled in a program of the XXXX ( XXXX XXXX XXXX ) to pay my all credit account, including my debt with XXXX XXXX. 
Fifth : The XXXX ( XXXX XXXX XXXX ) tried to sign an settlement with the XXXX Bank, but this Bank refused the proposals without any justification. 
Sixth : On XXXX I moved to the XXXX XXXX, and I live at XXXX XXXX, XXXX. 
Seventh : On XXXX XXXX,, XXXX the Bureaus Investment Group XXXX XXXX LLC filed a civil lawsuit ( Case XXXX XXXX ) against me in XXXX XXXX Court XXXX XXXX XXXX XXXX XXXX, and this Company claimed the balance of this Account ( XXXX ), despite the XXXX of limitations has expired. 
Eight : In the XXXX XXXX the statue of limitations is 5 years after the last payment was made on the debt, and my last payment was made on XXXX XXXX, XXXX. ( State Law Title VII Chapter 95.11 ). And this  Company could claim this balance only before XXXX XXXX, XXXX. 
NIght : I never used this Credit Card in the XXXX  XXXX. 
Tenth ; Also, I received my Annual Credit Report of the XXXX, XXXX and XXXX under the Fair Credit Reporting Act, and in this report I cant find the debt complained for this lawsuit against me, because the time has expired for taking any legal action about this credit debt. 
Eleventh : For these state laws, the action of this Company is a fundamental illegality, because the Fair Debt Collection Practices prohibits collectors from taking an action ( Civil Lawsuit ) beyond the statute of limitations to collect a debt that they can not legally take.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have tried several times, to have information pertaining to state Tax Liens removed as the credit bureaus are reporting the information incorrectly. On several occassions, the response from XXXX Equifax, and XXXX is that the accounts were verified and are correct. This is untrue as I have letters from the State of Maryland stating that the debts are satisfied and has been for over one year now. Understanding that the credit bureaus pays third party sources to scout public information, I feel and according to FCRA rules, it is the Bureaus responsibility to ensure that accurate information is furnished on my credit reports. The Bureaus have failed to meet this obligation, even after several requests to investigate and remove these public records. Someone has to hold these bureaus responsible. It 's extremely easy for any creditor to add information to a consumer 's report, but is the hardest of tasks to have the information removed or even properly updated, which is truly unfair to consumers like myself, whom are trying to start over and build my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Checking or savings account (Other banking product or service) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: After initiating an XXXX loan application with the Navy Federal business services representative in my local area, using my home address as we established our franchise aquisition, my husband and I each received debit cards and the accompanying pin numbers, from Navy Federal, at the retail store location, before we took pocession of the business or had access to that mail. 
We later received an account statement that was opened for our business, under the company name, that was opened XXXX, using a wire deposit from my personal checking account, of {$100.00}. 
On XXXX the account was closed. 
I DID NOT REQUEST OR AUTHORIZE ANY OF THESE TRANSACTIONS! 
I was only aware that the XXXX did not approve our loan and so I did not anticipate working with Navy Federal commercial banking in any way, into the future. How and by whom were these cards and this account initiated?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: my mortgage account with XXXX XXXX shows as not current for over a year when the account has been on automatic withdraw from my checking account

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 07-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a XXXX loan cancelled the minute I found out about their interest rates, the gal at Big pic loan said my loan was in review and she could not stop it, than she put me on hold like 5 x during this phone call only to say she could n't stop it the money was going into my acct! I was NEVER TOLD ABOUT A FEE OF XXXX loan fee either. They put the $ $ in I proceed to call to have the $ $ withdrawn so I could get out of this nonsense that I did n't want to begin with .... then they said since they tried taking the XXXX out and there was not enough there because of the {$130.00} Finance charge that I was NEVER TOLD ABOUT! So there was only XXXX and some change there. My bank sent it back I had a non sufficient charge and than the fun began with this company! I called and spoke to a guy named XXXX who insured me I will have this closed and handled but, that I needed to pay more since daily interest was occurring. Payoff now was XXXX they were to take the $ $ out on XX/XX/XXXX .... NEVER DID! I called and spoke to XXXX who said XXXX never put the order through and they could n't do anything .... She proceed to say XX/XX/XXXX they could take the $ $ out but, it was n't going to be for XXXX it would be XXXX due to more interest .... this is insane and wrong! She than said she would take this matter to a higher level .... have n't heard from them ... .. which I probably wo n't! I did n't want this loan, cancelled it in time but, was told it was too late .... this company is a True scam and should not be allowed to operate .... I 've been searching the internet and seeing all the problems people had with this company it 's ridiculous ... .. 3 names this company has used ... .. Red rock tribal, Castle Payday now BIG PICTURE LOAN .... I need Help with this matter .... I did n't want the loan cancelled in time yet held me deemed responsible for something I did n't want!! Now they are not complying giving me the one around while making my XXXX loan building interest rates daily since they refuse to take the $ $ I was told to pay to close out my acct with Big Picture loans .... they refuse me paying it off and keep adding interest rates daily when the $ $ has been in my acct for them to take! It 's sad that this is what this company is doing and just plain WRONG!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit card protection / Debt protection

Complaint: I was enrolled without my knowledge or consent in " XXXX '' and " XXXX '' ( the name of the service changed ) from XXXX XXXX XXXX. This activity was deemed " unfair and deceptive '' XXXX I never requested this service or product. I never used this service or product. I never was told about this service or product. When I became aware this service/product was being charged to my account every month, I requested it to be removed. It was removed twice and added back on twice to my account without my consent or request. There were many hoops the customer service department had me jump through to remove this from my account. I was told to call XXXX as this was a separate company from Citibank and Citibank could not remove the service from my account. When I did so, XXXX informed me they could not find my account as it required a XXXX digit number and my card was XXXX digits ( the card is a Citibank XXXX, so it is XXXX numbers ). When I called Citibank back, they then transferred me and were able to stop the service, though a few hours prior, I was told that was not possible. I was eventually transferred to the XXXX Department within Citibank. I spoke to multiple customer service representatives. Eventually, after being on the phone for more than 4 hours and speaking to no less than XXXX people, I was able to get the service removed. 

I have paid {$3000.00} into " XXXX '' plus interest. I asked customer service for a " lifetime total '' of what I paid into this service and they could " not release that information to me ''. I requested my past statements to be mailed to me and I was told I could download them online. I began to do so ( you can download up to 6 per day and it takes XXXX48 hours to process ). I was able to obtain XXXX XXXX XXXX before I was spontaneously unable to download any further statements. I was able to pull my past transactions from XXXX which shows the payments made towards " XXXX '' from XXXX XXXX XXXX. The only statements missing are XXXX XXXX XXXX, but those can be estimated based on the other statements. Based on this, I was able to determine I paid {$3000.00} into " XXXX XXXX '' and " XXXX '' over the past 8 years. With interest, who knows. Much more.

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 02-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Citi closed my account with no notice and remove all my points balance.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I want answers to the Equifax breach. Please make this a top priority!

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX Account reporting with a a balance of {$560.00}, a minimum payment of {$330.00}. That information is incorrect, my balance is {$460.00} with a minimum balance of {$0.00} and monthly minimum payment of {$35.00}. I have attached a screenshot of my account as of XXXX/XXXX/2016. Both XXXX and XXXX have updated it however equifax claims that they have verified this false information. I have also attached the letter straight from XXXX XXXX. 

I would also like the remark " Consumer disputes this account information '' removed from XXXX and from XXXX " Consumer disputes after resolution '' I no longer dispute none of these account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I filed my disputes with my XXXX credit bureaus and never heard anything and I filed in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage loan that was with Bank of America XX/XX/2016. My loan was paid in full on XX/XX/2016 by new lender. Bank of America has provided any documents regarding this pay off or has failed to send me deed of trust document and most important to is my Escrow refund. Every time I called they say that they have mailed my check in amount of such but to this date I have not received anything. They said to put stop payment on the one they mailed and send me another check by express mail but that has not happened yet and now it is XX/XX/XXXX. 
They failed to refund my escrow money and no action has been taken to resolve this issue by them. 
I had made one extra payment while refinancing was being processed to be current on my payment date so that it does n't affect my credit score. They have not refunded me that either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2016 about Debt collection (Credit card) with Johnson Mark LLC (OR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I had a credit card debt from XXXX with XXXX XXXX. I was in an XXXX situation resulting in my having XXXX for over 10 years. XXXX XXXX sent the debt to Johnson/Mark Attorneys for collection of the debt. I offered them my whole tax return in XX/XX/XXXX, in the amount of {$1000.00} + dollars, which was twice the amount I owed on the XXXX XXXX acct. Johnson/Mark company refused this to settle the debt. I told them I had a mental health issue also, and please take this offer to settle the account. They said they would only settle for {$2400.00} dollars. They sent me a letter that looked like a legal document from XXXX Court ( XXXX XXXX, Oregon ) where I have not lived since XX/XX/XXXX. They just began to garnish my wages from my new job. I want to stop this garnishment because I suffered from a XXXX for years and did what I could to settle this with them in XX/XX/XXXX. Please call me or let me know if there is anything I can do at this point. I do not have money for an attorney. I live in XXXX, Oregon. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX 2017, I contacted XXXX XXXX XXXX in XXXX, Md. to inquire about getting a mortgage for my first home. After reviewing my credit score, asking about my income and my down payment amount, the loan officer said that I 'd need to work on my credit score before they 'd be able to offer me a long. The issue was my credit utilization. He told me that if I took care of that right away, my score should shoot up very quickly and I 'd be able to look for a home. 

I immediately paid all my credit cards to zero and got back in touch with the Capital One loan officer. He said that it would take a while for the credit agencies to reflect my new credit utilization, but that we 'd keep checking. It took about 30 days, but my scores had improved by about 80 points, which the loan officer told me was more than sufficient for me to buy a home. He issued me a pre-approval letter for {$420000.00} and I began looking for my home. 

I found a home on which I wanted to make an offer, which was significantly less expensive than my pre-approval amount. I was soon under contract with the purchase price of {$360000.00}. I contacted my loan officer and immediately provided him with all the documentation he needed to confirm my income and my down payment. Every piece of information I provided to him was exactly as I told him ( income was accurate, funds for down payment were accurate ). However, a few days later, the loan officer informed me that the bank would not be able to finance my mortgage. There was no clear reason for why, he just said the combination of my income, credit score, etc could n't work. The frustrating thing about this is that, if this were the case, the bank should never have told me they would give me a mortgage and issue a pre-approval letter. Nothing changed from the time they issued the letter to when I went under contract except for the fact that I was asking to borrow about $ 60k less than they approved me to borrow. 

The pre-approval letter lists qualifications they need to check for full approval as satisfactory appraisal and title report, verification of income, assets and other information, and no material changes to your credit or financial situation. I provided information to verify my income and assets, which were exactly as I stated in order to get the pre-approval in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I signed a lease with XXXX XXXX at XXXX XXXX to start in XXXX 2012, but in XXXX 2012 I had a personal family emergency and could no longer leave home. Because of this I called the leasing office to see if I could break the lease anyway and we came to the conclusion that if I paid the first months rent then they would be able to put someone from the wait list into what was supposed to be my room. After I sent the money for the first month I did n't hear from the apartment complex until 6 months passed when I received a bill for {$3200.00}. When I called the apartment complex to look into the purpose of the bill they said there was no record of the agreement and said they would be sending the debt to collections. Which is when I began to be harassed by Southern Managment Systems and since then I have been threatened with a fraudulent claim, I upheld my side of the initial agreement.

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 05-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY FINANCE CORP (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was reviewing a copy of my credit report and discovered it contained some errors. 
i am a victim of identity theft. i have no idea how the theft took place. i also have no knowledge of any suspects. i did not receive any money, goods, or services as a result of the identity theft. the information does not relate to any transaction that i have made

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 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Barclay 's closed my and my wife 's ( XXXX XXXX XXXX and XXXX XXXX XXXX ) credit cards at the end of XX/XX/XXXX with no notification or justification for the closure. I attempted to use my card and it was declined, which is how I learned of the card closure. We received letters in the mail 2 weeks later that provided a vague reason of we can close accounts at any time we see fit. I had XXXX reward points in my account and my wife had XXXX in reward points at the time of the closure. I asked for those points to be redeemed to our accounts at a value of XXXX cent per point ( {$960.00} and {$160.00} ), which is how we always redeemed our rewards via travel redemptions. Barclays refused to redeem the rewards and said they the points had been lost ( and confiscated ). I do not believe this is how this should have been handled and I request that Barclays honors the rewards points I had in my and my wife 's account and reimburse us for those confiscated points.

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 12-09-2016 about Credit card () with DISCOVER BANK (CA).
Issue: Other

Complaint: I wanted to sort out a bill that I had with a hotel that I stayed in During XX/XX/XXXX. There was about a XXXX dollar discrepancy with the total costs, this turned in to overdraft charges are lot of falsified information that should have never been presented to me about my initial dispute. The dispute was handled poorly and to make matters worse, the entire customer service term treated me like XXXX. They eventually would just leave me online- during out chats, they would never be consistent on information that had a clear yes or no answer- it was n't until I contacted their HQ to explain my concerns, that the situation started turning around. To make matters worse, I was getting charged on specific fees that I had called in days before to warn DFS- that the COMPANY IS BOGUS. 

FURTHERMORE, I DO NOT Beleive that I was ever notified by DFS that during months where i was not using the CC, that NO STATEMENT WHATSOEVER, NO RECORD of ANYTHING not even an online PDF notating the month of inactivity would be created. I found this to be UNHEARD OF THEM. THe reason why this is ALSO A PROBLEM is bc I BELIEVE THAT THIS GOES AGAINST CERTAIN FDA Regulations and I am hoping to get this situation investigated. 

My Desired Solution- DUE TO ALL THE OF FASLE INFO PROVIDED TO ME, and HOW Representatives lied to, telling me to " just obtain -- -- -- '' and we can take it from there, but DO IT IN 3 DAYS, was the most stressful catalyst that did not serve any purpose. Just another misinformed employee, giving me falsified information and basically HOMEWORK. 

I do not wish to pay for this particular dispute, because it has caused so much HEADACHE and has been so time consuming- most of the time because nobody I spoke with really had any idea on the matter, until I FINALLY spoke to a billing manager, AFTER I went on my wild goose chase, and SHE hung up the phone on me. 

I could n't believe what was happening to me, essentially I just wanted to inquire about a charge that was off by max XXXX dollars, somehow I ended up talking to the rep about my issue might being worth JUST DISPUTING THE ENTIRE CHARGE. That idea never even came to my mind. 

ICING ON THE CAKE- Many automated voice messaging systems say that your call might be monitored or record- GUESS WHAT? MY WAS FULLY MONITORED by a MANAGER, as some kind of TEST for a SUPERVISOR OF HIS. 

So on top of telling me some very BAD ADVICE THAT THE SHOULD NOT HAVE DONE, they then treated me like I was subhuman, AND TO MAKE SURE I KNEW they THOUGHT I WAS SUBHUMAN- I BECAME A TEST FOR ONE OF THEIR EMPLOYEES TO TAKE DURING HIS SHIFT. 


I have names, employee numbers, everything and I am beyond happy to share every detail of INSANE this situation was. DFS BLOCKED ON TWITTER when they claimed to be responsive 24/7. I CAN GO ON AND ON about why I am so UNHAPPY with a CC company that I HAVE BEEN WITH SINCE I WAS SEVENTEEN- I am XXXX NOW. 


STILL CANT BELIEVE THIS.

Company response to consumer: Closed with explanation