milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (WV).
Issue: Credit line increase/decrease

Complaint: USAA Savings Bank, without prior notice, sent a letter reducing my {$20000.00} credit card to a {$500.00} limit. My last known XXXX score was XXXX. I have a significant net worth. This action was without warning and received the day I was leaving town for an extended trip. I do not believe I ever had a {$500.00} credit card during my 42 year career as a XXXX. What does the average person do???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Rewards

Complaint: I have been having problems with Barclay Bank for more than three weeks with no resolution. Various reps tell me a different story every time I call. This issue involved a point redemption using their rewards program. In my opinion my problem may affect many other cardholders who may or may not be reporting these issues. I attempted to redeem XXXX points to my credit card statement many weeks ago. This would give me a credit of {$3200.00} against Travel related charges with XXXX XXXX. Due to some sort of technical issue on the Barclay website this did not go through. I called XXXX case # XXXX. Phone reps from Barclay have been deceptive in giving me incorrect information, making different statements to me every time I call.

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 09-07-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with EARLY WARNING SERVICES, LLC (CA).
Issue: Money was not available when promised

Complaint: As friend tried sending me {$400.00} through his bank ( XXXX XXXX ) to my bank ( XXXX ) via clearXchange ( soon to be XXXX ). I tried claiming the money on XXXX XXXX, 2017. I was shown on the XXXX  online site that the money would be transferred. As of XX/XX/XXXX, no money has been transferred to my account.
I called XXXX on XX/XX/XXXX who said they did n't know anything about the transaction. No record of it whatsoever, and to contact the sending bank.
I called clearXchange ( from the information I was given in the email generated by the same company ). The first person also showed no transaction information. I asked for a supervisor who said that the showed that the money had been initiated on the 2nd, but that is all the information they had.
I called my friend who showed me that the money was taken out of his account on the 2nd. Where did the money go? Nobody can say. Apparently there is n't logs of anything beyond " the transaction began ''.
Apparently clearXchange was started/owned by XXXX XXXX XXXX, XXXX, and XXXX XXXX, then sold to an " independent company ''. There is no accountability apparently, and no way to even check on the status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of fraud from this company. They have made a report on my credit report file. I am unaware and did not open any accounts. This has caused my credit scores to drastically fall. This is a scam company collecting fraudlent debts.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: I disputed a charge on my XXXX by calling the bank. At the end of the call they told me to follow up with a written letter which I did within the required timeframe. I followed up with a second written letter to the bank when no action was taken on my claim. Now the bank tells me they can not help me with the dispute as I never followed up with a written notice. I sent the bank copies of my written correspondence regarding the claim, but they still failed to help me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Other debt) with Orions Management Group, LLC (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX and XXXX from Orion 's group called my immediate boss to gather personal information about me and my main line employer line requested to speak with my HR department to get information about serving me papers at my personal residence. I called and he would not let me ask how I can get the papers ( even suggesting signature required/certified mail ), even after I said it was okay to serve me at work, then he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XX/XX/XXXX, I submitted a timely response to recertify my IBR plan. XXXX botched it and didn't process my application, I had to spend time getting them to process it to prevent a payment increase. 

In XX/XX/XXXX, they audited my account and determined that I let my IBR plan lapse in XX/XX/XXXX and they retroactively capitalized {$13000.00} in interest onto my principal. 

I want that interest de-capitalized and I want damages awarded based on interest I have paid on that wrongly capitalized interest.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All XXXX Bureaus still reporting fraud accounts that I notified them that all XXXX XXXX and XXXX XXXX were not mine and that I had my Identity Stolen ( Have ID Report Already from FTC/FCC Documenting this ) The bureaus are not validating this I know there using XXXX witch is illegal stating valid accounts there not and this is harming me there allowing damage

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: approximately a year ago, when the data breach at XXXX  occured, i reached out per best guidance to the credit agencies.

transunion somehow slipped me into a monthly payment program which i have been unable to get out of due to no one ever answering their XXXX XXXX phones. i've placed several calls to several numbers related to transunion and have given up at the 30-60min mark of being on hold. i never opted into any program, nor did i ever provide bank information for payment to occur, yet somehow my checking account is being drafted with no stop in sight. i'll be contacting my bank to stop payments.

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 10-05-2017 about Mortgage (Conventional home mortgage) with NAVY FEDERAL CREDIT UNION (NV).
Issue: Struggling to pay mortgage

Complaint: I submitted a package to Navy Federal Credit Union who has the mortgage on my property back in XXXX 2017. The property is owned by myself and my mother who is XXXX. Each time we contact them to inquire able the status we get a email stating they are missing a document. We respond the same day with the document and then a week later they say they did not receive that document and another document. I am victim of identity thief so I am vary leery of keep submitting my social number. These are the documents the keep misplacing. My payments at this point is 3 months behind and I began this process when they were one month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breach Alerted on XXXX.XXXX.17 Confirmed my details were leaked by checking the Equifax Security 2017 website ( website said " Based on the information provided, we believe the your personal information may have been impacted '' )

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I was sent a letter by XXXX XXXX XXXX , XXXX that stated that a lawsuit was filed against me as the defendant and Midland as the plantiff. I called Midland and they said that yes they filed a lawsuit but I never received anything in the mail or was served a summons. XXXX, an employee at Midland, stated that it was filed but was not entered yet. I asked for the case number and she stated that it had n't gotten that far but, XXXX XXXX XXXX has a case number. The case number that they said was filed was XXXX. XXXX at Midland stated that the case was sent to the District Court of Maryland XXXX County but they do not have a case number and that the case number should appear in a couple more days. She said the case was filed on XXXX/XXXX/2015. I went on Maryland Case Search and have not found such a case number. I was scared that they would garnish my wages as the letter from XXXX XXXX XXXX said could happen. I agreed to terms that was out of my realm of ability to pay based on the lawsuit that Midland and XXXX XXXX said was filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been having problem with XXXX since XX/XX/XXXX for repoerting wrong information. 
we have no Valid contract Since XXXX changed terms of my contract monthly paymentwithout my knowledge. wrongfully repossessed the car XX/XX/XXXX. First Delinquencywas on XX/XX/XXXX. The past two years I have uploaded the contract and the monthlypayment history showing the last payment date as proof to Experian but Experian has failed. Experian has refused to even dispute this account. and exprian could carelss if the wrong information is correct or not. 
information is correct or incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Account opening, closing, or management

Complaint: Received an incoming call from a local phone number ( XXXX ) XXXX. Attempted to reach the number back, but unable to receive incoming calls. Received a voicemail that had an " unknown '' listing as number called from. Per the message, someone was trying to confirm my availability to send documents to be signed for litigation and garnishment purposes. Called ( XXXX ) XXXX and spoke with a rep named XXXX who by the way only answered the phone by saying " Litigations, how may I help you? '' Stated she was my account manager. She began to speak on XXXX accounts from US Bank ( XXXX, and XXXX ) that both closed in XXXX and was charged off back in XXXX. When I asked when did her office obtain these closed accounts, she stated about 60 days ago. Not to mention those accounts were included in a Chapter XXXX bankruptcy on XX/XX/XXXX, and XXXX on XX/XX/XXXX. She proceeded to say they never got any notice and garnishment forms will be forwarded to my place of employment. Never did she ask to confirm my address, only that the balance due with interest in {$2800.00}. She declined to obtain my attorney 's name and contact information, or even the case number. She said he will need to reach her. Now I 'm puzzled because it dawned on me, this number is clearly unlisted as I 'm on someone else 's phone plan. I asked where was the initial notice, she told me to have a great day then hung up. A few hours went by, and I called back, after I called US Bank to confirm the selling of an account after bankruptcy. They confirmed they do not outsource accounts, especially after stay granted by the state. The party from the litigation 's team declined the name of the company for online review, but instead called me a criminal once I said the call was being recorded for my protection. Stated I was breaking the law, and was not permitted. When I asked was he recording me, he said only criminals do that. And my reply to that was, for your protection you should, especially if you 're throwing around court litigation on accounts that were discharge back in XX/XX/XXXX. I asked about statutory limits on collection activity, he said you still owe. I advised him he 'll never get paid, again calling me a criminal.. I hung up the call. I called a third time, and spoke with a different rep, who was very hesitant to provide the company name, until I acted like I wanted to pay and discovered the name to be XXXX, CA. Once she realized I was n't falling for it, the call was transferred mid call to the original " XXXX '' who began to argue with firmness. I disconnected the call and found this site from a previous complaint from Google.com

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We have account with Ocwen Loan Servicing. We applied for a business loan and was turned down because XXXX reported that we are Serious Delinquency, accounts not paid as agreed, time since delinquency is too recent or unknown and number of accounts with delinquency. So I checked the credit report it is Ocwen that is reporting that our loan was charged off XXXX XXXX put we are making payments. We checked the credit report again on XXXX XXXX and it says charged off as bad debt, profit and loss write off and closed. We have been making payments, so should we not make anymore payments or what? Where have my payments been going? We applied for a loan did not get it. We own a small business we really could use a loan did not think there would be a problem. This is hurting our business we went to several places could not get one our  personal credit is always checked. We have worked real hard to have good credit. One of our store credit cards have lower our credit line. When will this stop? Is it Ocwen or XXXX or both. We have never had a problem like this. Hope you are the right place to go.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Debt collection (I do not know) with Carter-Young, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am making a dispute against  XXXX   XXXX  in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices AC T, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION mad e pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repo rts (  XXXX ,  XXXX , and  XXXX  ). This  action constitute fraud under bo th Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Consumer Loan (Installment loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: This agency will not validate this account I would like to obtain the initial signed contract, full billing, payment, applied etc on this account. I requested prior and nothing has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (I do not know) with Monterey Financial Services LLC (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I had my brother to compose a letter of dispute on my behalf to Monterey Financial Services. 
In regards to a collection on my credit profile that I " have NO knowledge of '' The letter is detailed asking for validation of debt ( showing my signature, any stipulations of guarantor statement, last date of charge/activity and or payments ) I do n't even know the name of the original creditor. 
I received a written response dated XX/XX/XXXX stating I should have requested validation 30 days after I was notified of which I was never notified by XXXX XXXX. They have violated FDCPA and also FCRA to list this disputed and unvalidated alleged debt on my credit profile that I have no knowledge of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: my client needs help getting the payoff on her 1st mortgage. the loan is delinquent and is part of a short sale and we can not get the lender to provide us payoff figures so we can get the sale closed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dear XXXX, I writing concerning this matter with this company I have explained the conditions of this account and made them aware of the detail concerning XXXX House Apartment a notice was given to the company in advance my rent was paid up in fuelled for the month that I live at XXXX House. I moved because the apartment was no long safe for me to live there. This company attempt to collect a debt that is not own to them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Convenience checks

Complaint: I recently wrote convenience check from my Barclay credit card and it posted on XXXX/XXXX/XXXX for {$1400.00} for my standard APR. Three days later on XXXX/XXXX/XXXX I receive more checks with a promotional APR of 3.99 % through XXXX of XXXX. I called in and asked if the promo rate could be applied to my {$1400.00} transaction and I was told no. Prior to writing my check I called in to determine the cash limit on the card and the representative did not inform me that any promo rates were available or checks were on the way. I work for a major credit card issuer and understand how long it takes for items to process and mail out. There is no way this was not available to that representative. Not only is it completely ridiculous that a transaction that posted 3 days early can not be switched over it 's downright insulting and deceptive to mail these promo checks after I 've just written one for my standard APR. I only asked the company to have the promo APR applied to the one transaction, nothing more, and both request I made were denied. Had the first rep I spoke to informed me these checks were on the way, I would have waited 3 days and used them instead. The difference in monthly interest charges is going to cost me ~ $ XXXX {$250.00} a month ever month until next XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2018 I sent a certified letter to the company Portfolio Recovery Associates regarding a debt that is reporting on my credit report. The letter stated them to validate NOT VERIFY a debt that they was attempting to collect from me. I specifically asked for a signed agreement and other documents validating this debt. They sent a letter that clearly does not validate this debt by which does not prove that I am not obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted. I have no known relations with this company. Also the letter they sent me contains the last four digits of a social security number that is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the clients right to counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I sent XXXX Euros to Coinbase.com via wire transfer and the money was not credited into the account nor refunded in my bank account.
The money was sent on the XXXX XXXX XXXX 2017 and I wrote them on the XX/XX/XXXX the first time. They replied with an automatic response on the XX/XX/XXXX but the answer was totally not related to my question.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This {$100.00} XXXX bill, I have no idea where it came from, I dont see my name on it anywhere, it is really effecting, my credit, I need it removed. Please contact me XXXX XXXX XXXX - I am trying my best to clear up my credit. I will Pay the {$100.00} if I have to, but this needs to be resolved immediately

Company response to consumer: Closed with explanation