milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I signed up for the  Barclay Gold MasterCard arou nd  XXXX   XXXX . I was approved for the card with the following benefits : 0 % interest for the lifetime of the card while I was on  XXXX   XXXX  service, annual fee waiver of {$990.00} ( {$290.00} for each Authorized User added to the account ) for the lifetime of the card while I was on  XXXX   XXXX  service, and other small benefits. I recently received an email stating that Barclay changed their terms and are now making me pay the annual fee. The only way I can avoid the fee is paying off the entire balance of the card and canceling by  XXXX   XXXX . I am currently unable to pay off the card in this short amount of time and will be forced to pay the annual fee of {$990.00}. The entire reason I even got the card was because the original terms had the fee waived, I am unable to afford a credit card with an annual fee of {$990.00}.

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: cant give me information ... chargered me XXXX, cant cxl subscription. my credit score dropped 65 points in one shot and no one can tell me why ... Its a joke

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX XXXX XXXX credit card ending in XXXX has had issues for several months. I have contacted them numerous times and made payments in which they put my incorrect checking account number in XXXX times, and blamed me for the payment not going through. As you will see below, I made numerous contacts and paid of the phone and they have read off the number to me to make sure they finally had it correct and then still failed to correct it in their system. They never once contacted me to let me know there was an issue with the card. I have contacted them over and over, and just recently in XXXX made another payment ( over the phone since my online XXXX section was never fixed like they promised ) and no one even mention to me of the account closing?? I have done everything in my power to make payments on this card and it is not my fault for their employees not being able to do their job correctly. Please see all proof below!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the account in full. XXXX. I have a copy of the letter and the check that XXXX send to me for overpaying the bill. I have sent the letter to each credit bureau. They are disregarding the letter and check that was sent to me by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (WA).
Issue: Application, originator, mortgage broker

Complaint: I am very sad at this times, after several month waiting on the underwriter to let us know if we were approval or not. The underwriter became to a point that she very looking for item to denied our loan. We feel she wasted out time, and money. We supply every piece of documents they ask for. We feel due to our race the underwriter, made a major factor and denied our loan. Also XXXX XXXX started this problem we try first them then, XXXX small thing pop up and they denied her first, for not a good reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Predatory Mortgage Servicing ; was an FHA loan now under Citi Financial. They knew I would retire before the loan would be halfway finished and that I would n't be able to afford the payment on social security. Now we are facing having to move, with my son whom has XXXX XXXX and my wife whom is XXXX as well. 
Citi financial claimed to be trying to help us with a modified mortgage but we just found out, after almost 10 applications for one, that they never claimed my wife and XXXX son as dependents, making it look like I was supporting ONLY Myself on XXXX a month. We have had the mortgage since XX/XX/XXXX but Citi Financial became the servicer XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Payday loan, title loan, or personal loan (Installment loan) with Upstart Holdings, Inc. (AZ).
Issue: Getting the loan

Complaint: I continue to get what I would consider misleading solicitations from XXXX XXXX for me to get a debt consolidation loan, it claims I am pre-qualified for 1K to 50K and I can check for my rates without impacting my credit report. Every time I get one of these I go in and try only to get declined after they check what rate I would qualify for. If this company is going to continue to decline me why send these pre-qualified solicitations to begin with. I think it is completely deceptive advertising and I really wish they would stop with the solicitations when they obviously have no intention of extending me credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My Experian credit report shows that I have two late payments, when I have none. I called Experian to ask them to correct the information and the agent told me that it wasn't possible. So, I asked her to identify the late payments and she was unable to. She told me that potential creditors would not care about the late payment listing.

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 01-11-2018 about Checking or savings account (Savings account) with CITIBANK, N.A. (NY).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: My son XXXX XXXX. He had Citibank account in XXXX, Fl. I took A trip to the branch and handed XXXX XXXX the XXXX XXXX and told him my son XXXX XXXX and that the lawyer needs print outs of what is in the account. I gave him all the information he needed to provide my lawyer. He gave me a card and said that He would take care of it and that I should call him in a week. I had to go back to South Carolina and I continued to call and leave messages. Its going on 3 weeks and I havent heard back from XXXX and I have not heard from any of the representative from that branch. I called every number I can to have someone help. I need this paperwork for the lawyer and no one wants to help me. Please contact me I am Current at my daughters 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 09-11-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I recently sumbited an indirect-credit bureau dispute to XXXX XXXX XXXX ( AKA XXXX XXXX XXXX XXXX disputing the 30 day late payment history reported to XXXX Experian for XXXX 2015, XXXX 2015 and XXXX 2015. In discussion with XXXX XXXX, Loan Operations/ Risk Manager and XXXX XXXX XXXX Loan Operations Manager, I was advised that while I had executed on time payments for XXXX 2015, XXXX 2015 and XXXX 2015, XXXX had intended to report past due for XXXX 2015 and XXXX 2015. However per the credit reporting agency reports XXXX did not report XXXX 2015 or XXXX 2015 as past due, XXXX instead inaccurately reports XXXX 2015, XXXX 2015 and XXXX 2015 as past due. XXXX XXXX admitted that XXXX has a practice of reporting late payments when consumers pay on time. I have enclosed a letter from XXXX confirming their errors. In the enclosed letter, XXXX confirmed I had only XXXX 30 day late payments during the disputed time of 2015 as of XXXX/XXXX/2015 ; XXXX 2015 and XXXX 2015. Even though XXXX is regulated by FCRA and has been put on notice of the errors, XXXX XXXX refuses to correrct the inaccurate late payment hisotry. XXXX XXXX is aware that XXXX XXXX has a systemic problem of reporting late payments inaccurately and knowingly refuses to make corrections. XXXX XXXX even went as far as to threaten me if I filed a regulator complaint or an XXXX stating, she would go back and change the reporting for the months XXXX did not report as past due. Sadly my wife and I are far too educted in FCRA to take her threat seriously. We know that XXXX must not supply information to a CRA that it knows ( and should know ) is inaccurate. This includes reporting late payments when I have paid timely for the reported month. The willfulness of XXXX XXXX and XXXX XXXX to refuse to udpate inaccurate information when notified and aware of errors is not only harmful to the consumer but the industry as well. I expect the FTC, CFPB and FDIC to fully investigate this systemic control problem XXXX. Perhaps had XXXX had appropriate controls in place to ensure accuracy of reporting I would not be in a position to spend hours writing to their regulators. 
Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried to contact these companies several times without success since XXXX they just switch information to another company and do not really care what you send them. Even a police report or an affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX, XXXX To Whom This May Concern : I am writing this email to try and resolve this issue, which we have attempted more than a dozen times. 
My name is XXXX XXXX XXXX, and I once had an account with Capital One. 
Sometime in XXXX XXXX, I purchased a subscription from XXXX for {$89.00} with a one week free trial. The site turned out to be very difficult to access, we have tried multiple times and gave up. Before that one week trial ended we wrote them an email cancelling the service, so we do not get charged the monthly fee of {$89.00}. When we got our statement the following month, we were still charged the {$89.00}, so we contacted Capital One and disputed the charges. We were asked to send in the documents that prove the cancellation. We have sent all the required documents by mail with return documentations about four, faxed it four times with confirmations of receipt on your end. Each time we get our statements, the {$89.00} keeps showing up as overdue, and in fact we have called Capital One many times, and each time we have to explain what happened and every time customer service pulls our file, there is nothing showing that we sent all the documents. This circle had gone on for more than 2 years since XXXX XXXX and after we gave up on contacting CapOne, we started getting harassing calls from CapOne/and or collectors on behalf of CapOne. Now the balance showing there has ballooned to more that {$330.00} and was reported as of course a negative one. 
Up to this day we are still getting the impact of that false report, have disputed it to the credit bureaus and nothing has been done. 
Now it is XX/XX/XXXX, and the false report and ballooned balance is in my report. This is not fair and we need to come up with a resolution to this matter. I can offer to pay the {$89.00} which is the original amount of that cancelled subscription, and in turn Capital One remove that false report on my credit. 
I appreciate an immediate action to this matter, not months or years. 

Sincerely, XXXX XXXX XXXX SSN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (OK).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I tried to register With XXXX They said that my mobile telephone number is already registered to an account. I asked them to close that account. They require that I provide them with the email address used to open the account. I have no idea. I control the telephone number and I want it used exclusively for my personal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (ID).
Issue: Other fee

Complaint: I have XXXX open credit cards with Capital One. They have been open for about 10 years. I have never had a late payment on either. I have been receiving annual fees on both of these cards. I decided to call Capital One to see if they could remove the Annual Fees. They refused. I then asked if I could at least combine the XXXX accounts into XXXX, and therefore only receive XXXX annual fee. They refused that as well. I asked if the only alternative they were giving me was to close the accounts and take a hit to my credit score, they confirmed that it was my choice. I have a credit score of XXXX ; I am a very responsible consumer. This is a good example of a very unfair and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I used a credit monitoring service and my credit monitoring service informed me that a couple of months ago Transunion had an error in their systems and what happened was they deleted a bunch of inquiries from consumers credit reports and about a week later they reinserted those inquiries back onto those reports but they did not follow the proper procedures to do that. The following inquiries were deleted and reinserted XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX I called TransUnion and Transunion gave me a file XXXX instead of deletion of inquires Section 611 of the fair credit reporting act states that anything deleted from credit report and reinserted needs a five-day notification after that item is reinserted and that did not happen. I was a victim of their inquiry issue and i want the above stated inquiries removed of my credit report. I HAVE A SCREEN SHOT OF WHEN I HAD NO INQUIRIES ON MY 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 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: sent to BANK XXXX XXXX, XXXX Comenity Bank : Account XXXX was closed by me in XXXX XXXX within the 30 days given to do so, via a telephone call to the bank. Account XXXX was closed as the card is being discontinued and I received a XXXX XXXX XXXX to replace the XXXX XXXX XXXX I come to find the account was not closed till XXXX after I returned a statement explaining the account was closed. Simply sending the statement back with the words ACCOUNT IS CLOSED on the statement. I assume it was never closed when I initially called and closed the account in XXXX / XXXX XXXX to a XXXX XXXX XXXX representative @ XXXX When I log into my XXXX XXXX account online and it shows a {$0.00} balance for a card that was closed in XXXX XXXX ( see enclosed screen shot ) I assumed when looking at my account online my balance was {$0.00} as per your website never seeing a balance or additional charges. Why can I still log into a closed account from XXXX and not an account the bank shows me owing money? Also when I log in online should it not show me my latest account information not information from an account closed in XXXX? Really not sure whats going on at this point. So I can log into he bank and see info on an account thats closed but not and account that was closed in XXXX which according to the bank now has a {$250.00} balance. Then on XXXX XXXX XXXX I get a letter stating I owe {$210.00} for some type of membership fee ( but the card was closed in XXXX XXXX? ) per my phone call to the bank. Can you please make sure any account I have is closed and there is no balance on any accounts with Comenity Bank. I closed the account in XXXX XXXX to avoid the membership fee and somehow the card was never closed as requested. The card XXXX has not been used so no membership fee should be charged. I can not even log into Comenity Bank and view this fee and additional penalties and charges My online account takes me to the WRONG account information. When I visit : XXXX XXXX XXXX shows me {$0.00} balance evidently on a account # XXXX. Which apparently was an old closed account/card from XXXX. I can not log into any account XXXX. Thus I had no idea the account was not closed. I need to have access to current information in order to see that the bank has a error pertaining to my closed account. Thank you for taking care of this and I will need a letter stating the banks mistake and showing a {$0.00} balance. Thank you for your time and handling this. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/20/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have Nation Star, and yes I pay on the grace period date, but they would call my place of work and I was not technically late. Just very embarrassing when at work and everyone can hear your conversation. I have redirected them to call my cell phone. But they call non stop again it's before the grace period is up.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have worked with the company and have paid this account in full. This must be removed from my credit report. I have called equifax multiple times to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Consumer Loan (Installment loan) with RFNA, LP (GA).
Issue: Problems when you are unable to pay

Complaint: Republic Finance has reported delinquent 30-60 days on my XXXX credit reports. The have done so prematurely as my payment is not due until the XXXX of each month. They reported me delinquent on XXXX/XXXX/2016 for the month of XXXX but the payment for XXXX has not even come due. In addition they are refusing payment for my loan and sent me a notice explaining to me that they are refusing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (NY).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I started the process for a XXXX XXXX on my property. Beginning of XXXX XXXX we submitted the initial offer on the property for {$180000.00} and an interior XXXX was ordered by the servicer ( Selene Finance ) on behalf of the investor ( XXXX XXXX XXXX ). On XXXX XXXX we received a counter offer for {$260000.00} from XXXX XXXX ( negotiator ) assigned to the file. On XX/XX/17 we submitted a buyer counter offer for {$230000.00} with a net amount of {$210000.00}. On XXXX XXXX we received a counter offer from XXXX XXXX again with a net amount of {$220000.00} requesting a response by XX/XX/17. On XXXX XXXX we submitted a buyer 's counter for {$230000.00} and lower the realtor commission to XXXX % to make the deal work with total net amount of {$210000.00}. On XXXX XXXX we received a response from XXXX XXXX advising us that the offer was declined by the investor and the only option given was a XXXX XXXX XXXX. on XXXX XXXX we submitted a new buyer counter offer for {$240000.00} with a net amount of {$220000.00} and received a response on XX/XX/17 that the offer did not met the investor request of {$220000.00} net requested. On XX/XX/17 a new buyer offer for {$250000.00} with a net amount of {$220000.00} was submitted for investor 's review. on XX/XX/17 the investor requested to have an insurance claim completed on the property, the insurance claim was filed and completed. The insurance claim was submitted to investor on XX/XX/17. On XXXX XXXX the investor ordered a new interior XXXX  because the previous XXXX has expired and the new one was completed XX/XX/17.After the new XXXX came back, I received a response to let me know that now the investor wants {$100000.00} more for a total of {$320000.00} net based on the " AS REPAIRED value of the property ''. This is a clear malpractice and abuse that some of the mortgage investor 's are doing regardless of the financial situation of the mortgagee. This type of abuse must be stopped by our federal government and any investor doing such practice must penalized. The investor is abusing their position and taking advantage of the customer.

Company response to consumer: Closed with explanation