milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: {$1300.00} charges that i was never made please look at attachment. 
I have called these places to refund my money and then they hang up on me i never purchase anything in addition i talk to barclayed and i told them those are not my charges and they never returned my money back please help 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 monetary relief
Consumer complaint received 12-07-2015 about Student loan (Non-federal student loan) with CommonBond, Inc. (DC).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I just applied to consolidate my private student loans via CommonBond. I filled out quick application which required a " soft '' credit pull to see if I would be eligible for a loan with their company. I agreed to the application terms and the result was that I was qualified for a consolidation loan with an interest rate from around 4 % - 6 %. Then I was asked by CommonBond to do a " hard '' credit pull to dial in on the exact interest rate for my loan. After receiving the first confirmation from my initial application I was led to believe that the second credit pull was a routine task that would finalize my loan. 
Instead of getting my final interest rate and terms, I was denied and told I needed co-signer who makes more than {$80000.00} per year. Unfortunately, I do n't have access to a co-signer who makes more that {$80000.00} per year. Had I know that there was even a mild chance that my application would result in denial and/or a co-signer requirement, I would have not risked applying. 
I went back and read through all the literature in the process before I clicked on the hard credit pull. It definitely is presented in a way that easily leads applicants to believe their initial credit check approves your loan and that this final credit check just figures out the final details of a pre-approved loan. 
I am very frustrated with my experience with CommonBond. The end result is major damage to my credit due to indirect and misleading information from Common Bond 's initial application process. 
If I was provided the proper loan eligibility information prior to my hard credit loan request, I would not grant CommonBond proper authorization to pull my credit report. Unfortunately, CommonBond 's credit pull was completed under false pretenses. 
I send XXXX messages to CommonBond explaining how I was misled by their application process. I requested that they contact the XXXX major credit reporting agencies and request to remove the hard credit pull on my file. They have refused to do this and also refuse to accept any fault in this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Debt collection (Medical) with Ivy Street Development Corp. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Paid / no longer valid

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Several months ago, I was contacted by XXXX XXXX XXXX in XXXX XXXX CA about a debt they said I owed to XXXX. I filed a complaint with the FTC and thought this nonsense was over. The debt collector stated that the address for the debtor was for a XXXX XXXX in Texas. I have never lived in Texas and never had a XXXX account. This morning the same person who harassed me before called my XXXX year old mother in Michigan looking for me. I do n't know how he obtained her phone number. My mother called me in a panic and told me about the call. I called the company and the person who answered was XXXX XXXX. 
He did not sound like a XXXX XXXX since he did not speak English very well. I had filed a complaint with you before so I would like this harassment to stop. I do not owe this money since I never lived in Texas and never had a XXXX account. This also happened to my sister a few years ago with a fake XXXX account. She had to give them a list of addresses she lived in but the harassment finally stopped. 
I also want to know how they even got my mother 's phone number since she lives in Michigan and I live in California. I do not even have the same last name is her since she remarried in 1990s. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have accounts that are over 10 years old that the credit company is still showing as bad credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Bank account or service (Checking account) with NETSPEND CORPORATION (CO).
Issue: Using a debit or ATM card

Complaint: I went to work on XX/XX/2017 like it was a normal day. Usually I have hectic mornings being I am a single mother of XXXX kids that I deal with in the mornings which can be very chaotic at times. When I got off at XXXX I did my usual and picked up all XXXX of my kids by the time I got home it was about XXXX, I started looking for my debit card and could not find it, because I switch purses a lot I tried to not think the worst so to give myself peace of mind I went online to confirm my balance because I had just got my income tax refund, also I had just went to jack in the box around XXXX so I was n't to concerned I was being real careful on how I spend it because I am dealing with foreclosure and that 's when my current nightmare began my balance went from XXXX $ to {$1000.00}. I immediately called my bank and of course it was not open so I canceled card thru the automated system. The next morning I did n't even go to work I went to one of the XXXX these people went to and waited all day for a officer that finally arrive by XXXX or so and took my statement. He stated the people went to so many XXXX most of them was from XXXX County. I have submitted my proof of Police report and Proof of me being at work and they are still not willing to refund my money. They said because these people used my pin and went to al the stores I have been to that there are no errors found, I have spoken to Agents and Supervisors and everyone is not willing to make this right. Can you please tell me what I need to do to get some justice thats a lot of money and I need to give that to my mortgage company I been unemployed since XX/XX/XXXX and started working for XXXX XX/XX/XXXX of this year and I did n't deserve this and now I see no hope in getting Any of my money back. This cant be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: All three of the agencies are not able to provide my credit report online as they are all saying they ca n't handle the volume due the amount of traffic that they are getting due to the XXXX breach. 

Most of them are timing out, saying the volume of requests are too high, or they ca n't handle the load. 

Further, all three agencies are not able to effectively place a freeze on the account -- either the system is timing out, or they are indicating that they are not able to place a freeze this time. 

This is the most key time when these functions should be able to work -- the fact they ca n't handle the work load is something they should have thought of and had a contingency plan in place for.

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 02-10-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Nelnet continue debiting my account after the loan was paid-off. They overcharged my account by {$400.00}. They claimed that it will take them 4-6 weeks to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Transunion has locked my credit file so that other agencies like fico are not able to provide me with XXXX bureau credit reports and their own website has locked me out of access to online disputes. I just had to hang up in an XXXX lady that did n't know what she was talking about and kept telling me I still have XXXX balance on an account that XXXX reports as XXXX balance. If I try calling the credit company itself, XXXX, I 'm met with even further incompetence and this XXXX account is the only thing preventing me for being approved for any worthwhile credit card or loan. They 're costing me a lot of hardships and dragging their feet and pretending ignorance least they be this XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (I do not know) with ASTA FUNDING INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I never have account with this company which XXXX XXXX XXXX XXXX Attorney freezing my bank account in XXXX XXXX. It happened also in 2009 when this same attorney freezed my bank account in different banks. After I filed complaint to the Office of Comptroller of Currency, he released all accounts. Even he knows that this is not my account but still he giving me trouble to freezing my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: Chase Cardmember services notified me by a letter dated XX/XX/2016 that my Chase Amazon.com Rewards Visa account would close when my card expires XX/XX/2016. I have excellent credit and have a XXXX balance on the card. I have not used the card for years, however, that should not be a valid reason for closing an account due to the negative impact it will have on my credit score. I spoke with a supervisor at Chase and they declined my request to keep the account open.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is only one example, however just today, in 5 hours Ive received 3 calls from the same number from XXXX XXXX. Yes, I am late, and yes I understand their efforts, however I have never been over 30 days late, and am feeling these aggressive tactics are above normal expectations in collecting a debt of {$150.00}.

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 non-monetary relief
Consumer complaint received 11-09-2016 about Consumer Loan (Installment loan) with WLCC (AL).
Issue: Problems when you are unable to pay

Complaint: I took a loan out with this company on XXXX XXXX, 2016. The payments were automatically withdrawn from my account every week. It was scheduled to continue for 20 weeks to have it paid off. I made XXXX payments on time and then had an issue with my bank and was working on changing my account number. I revoked the ACH payment and was told that was changed. I continued to receive late notices and charges along with returned payment fees even though they were not trying to put the payment thru. I sent them notice on XXXX XXXX by email and XXXX mail to let them know that I would not be paying them all of these fees and to stop all communication by phone. They continue to call and send me notice of returned fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed a hard enquiry that was on my credit report ( Equifax, XXXX ), and I received a letter from XXXX XXXX saying that they had ask for the removal of the hard enquiry as the hard enquiry was made for TV service that I didn not authorize, but as of todays date, XX/XX/XXXX, it is still showing on my credit reports. I have a letter from XXXX XXXX that says they submitted the request back on XX/XX/XXXX. I am a victim of the data breach ( equifax ), back XXXX, 2017. I have a security freeze on my report. I want the credit bureau to honor the request to " REMOVE THE HARD ENQUIRY FROM THE CREDIT REPORTS AS IT LOWERS MY FICO SCORE ''. I DID NOT AUTHORIZE THE HARD ENQUIRY.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Gatestone & Co. International Inc. (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have never been contacted by this company for payment dueThis amount owed has affected my background check which will not allow me obtain employment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Debt collection (Other debt) with Financial Credit Network Inc (MS).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (MA).
Issue: Wrong amount charged or received

Complaint: I made a money transfer on line with Western Union on my checking account. After I pressed submit to transfer the money and message popped up saying it would take 5 business days to receive. When I realized this mistake I called them right away and was told I would be receiving my credit right away. If I wanted to send the money to the receiver for the same day then a debt card or a credit card and that I could do it on line. I was not credited but the truth took it out twice. I have been on the phone for2 hours and was told it would take 5 business days to receive one credit and the other would be by tomorrow. The supervisor said she could n't override this problem because of the back office. I asked to speak to them and she said they do n't take calls. I was helping a family member we was having a XXXX XXXX XXXX. They also said on the phone that I would receive my first transacion of {$200.00} today. I have checked my account and no monies were received. Please help me retrieve my money back. The transaction numbers are XXXX and XXXX. My gold card number is XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (TN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I was out of the country and booked a reservation through a travel agency named XXXX. The actual hotel name was XXXX XXXX. THE reservation was the same day I arrived. The reservation was made at XXXX in the afternoon. I entered my personal info name address and bank card info. I then thought the reservation was final .XXXX then sent me a email about 20 minutes later stating that they needed a photo picture of the front and back of my debit card and license to verify my information for there fraud department. The email also stated that if I had n't provided the information within 12 hours my reservation would be cancelled. I bank with suntrust and have recently had several fraud charges on my account including someome using my banking routing and account number to open a whole account with my information. I THEN called XXXX XXXX for more information before sending them my info. I called several times and was told to leave a message and never received a call back. About three hours later I then decided to make a reservation with the actual hotel to be safe then sorry. I also asked XXXX first to confirm that did not have the other reservation. I then made the reservation with the actual hotel for $ XXXX.Around XXXX XXXX that same day after I was checked in my room. XXXX XXXX charged my card for {$490.00}. I never received a call back from XXXX XXXX and I never sent them the information they asked for. I disputed the charge with my bank and they denied the claim.

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 10/27/2015 about Debt collection (I do not know) with URS Holding, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not know what this debit is for. Company has called my ex husband, mother and current husband.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A company has been reporting an closed account as open since XX/XX/2014 on my credit report ( equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Payday loan () with ENCORE CAPITAL GROUP INC. (NY).
Issue: Charged fees or interest I didn't expect

Complaint: I received a payday loan of {$300.00}. They started deducting {$60.00} per week from my bank account. After about 8-10 weeks they were still deducting the amount only it was now {$95.00} a week. I had direct deposit that I did n't want to stop but I had no choice but to close the account. After some time someone from an agency contacted me & my employer threatening arrest so my employer wrote a check for over {$1400.00} for the loan & " fees '' to this agency. 
I thought that was the end of it. In the past month, people from another agency " Midland Credit '' have harassed me and my daughter, sister & friend threatening me yet again. By this time, I had unfortunately suffered an accident which resulted in becoming an XXXX. The man who called " XXXX XXXX '' called me names and said that my daughter told him my situation. He said he did n't care who I was or what I suffered from but that I had to pay this debt. He switched me to " XXXX '' who proceeded to berate me and call me a criminal. I am at my wits end and want this harassment to stop. Who knows how many people they do this to a day? I asked for them to send me the paperwork and the " 10 day notice to appear '' and they refuse. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: There have been numerous times where chase chooses to pay larger amounts instead charging the amounts in the order that they were purchased. In my specific situation I had the funds available when these smaller items were purchased. But Chase chooses to pay the larger amount first in order to be able to charge the customer overdraft fees for the smaller items that were purchased when funds were available. This is UPAAD ( for unfair deceptive or abusive acts or practices ), which I believe Chase is in violation of.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In XXXX and XXXX quarters of XX/XX/XXXX and the entire XX/XX/XXXX year I experienced financial hardships. Me and my wife lost our jobs, had a vehicle repossessed, got behind {$3400.00} on rent, and lost health insurance to name a few hardships. I made Navient aware of my financial situation and they were unwilling to work with you to lower my payment despite the fact that I was below poverty level. I even enrolled at an online school just to dodge Navient and that turned out to be a mistake because I consequently inherited more debt. 
I understand my obligation I just wish Navient was easier to deal with and more understanding towards poverty stricken customers.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with non-monetary relief