milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2015 about Credit card () with BARCLAYS BANK DELAWARE (MI).
Issue: Closing/Cancelling account

Complaint: Barclay 's closed my wife and my credit card accounts after having a positive history of using the card, nearly never carrying a balance month to month, and having cards open for multiple years. 
At no time did we ever receive any negative feedback or notifications that Barclay had any issue with my 'history of account usage '. 
In fact, despite the 'history of account usage ' that Barclay refers to in the closing, Barclay increased the credit limit on my card and my wife 's card in the past year, encouraging what they must later have decided is a poor 'history of account usage '. They also upgraded our cards to XXXX XXXX elite during the same period of 'history of account usage ' that was present during closure. 

In fact, I started using my primary card, the Arrival, exactly in a fashion that was advertised. I started using this card originally for everyday spend as well as to buy XXXX XXXX Gift Cards through the Barclay RewardsBoost mall, which they advertised on their own website was a great way to earn extra rewards. 

It seems clear to me that Barclay is closing our accounts because it is not profitable to provide us with rewards under the current program that they advertise, even though on their website, even today, it still shows " Earn XXXX miles for every {$1.00} you spend on all your purchases '' and Redeem for travel statement credits starting at XXXX miles for {$25.00} toward a qualifying travel purchase of {$25.00} or more made within the last 120 days ''. 

With my last statement ( XXXX ) I had redeemed XXXX points ( {$140.00} ) but still had XXXX points adjusted at the closing of my account. 

If returning my account to good standing is not practicable, a payment for the miles which would have been worth the sum unredeemed as well as the annual fee for the services I could not receive but had already paid for seems reasonable : XXXX XXXX XXXX = {$380.00}. The 10 % bonus would have added {$38.00} when used for travel redemptions, which I always have available since I travel for business. This totals {$420.00}. 

My wife 's card had XXXX miles, which would have been worth {$19.00} XXXX XXXX = {$21.00}. 

I also paid a {$95.00} annual fee on this card, and on my wife 's card, totaling {$190.00} in fees which I am now not able to fully utilize given the cards were canceled in the middle of the membership year. 

This means my monetary damages from these XXXX closed cards are {$420.00} XXXX lost redemption, self ) + {$21.00} XXXX lost redemption, wife ) + {$190.00} ( annual fees ) = {$640.00}. 

I appreciate your quick response to this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/30/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (WA).
Issue: Unexpected or other fees

Complaint: On  X/XX/2017    I made a complaint to my credit card company and they said to stop this card and they would issue new  one,   and look into the charges. I did this and nothing has ever been sent or any more communications have been sent concerning my unauthorized charges on my card for the following : ( Memo : Debit : Signature purchase from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  # CA  XXXX   XXXX  Card ending in  XXXX  {$24.00} {$390.00} and I was under the impression they were fixing this problem but it is not.   {$1500.00}  XX/XX/17    na.wargaming.net  XXXX   XXXX   XXXX    XXXX    {$1.00} {$1600.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX   XXXX  {$0.00} {$1600.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX    XXXX   {$1.00} {$1600.00}   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  {$9.00} {$1600.00}  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  {$29.00} {$1600.00}  XX/XX/17      XXXX    XXXX   XXXX   XXXX    XXXX   {$34.00} {$1600.00} ) I expected more from my card as I have been a customer for some time now. This is frustrating me as i just my money back plus on   XXXX   another purchase was unauthorized for the following (   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX  # CA Posted on   XXXX   XXXX   XXXX     at   XXXX  PM Card ending  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 08-08-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Billing disputes

Complaint: Costco went from XXXX XXXX to Citi Card. {$3000.00} has not been credited to my account. 
I have spoken to XXXX people @ Citi Card and no one can help me. XXXX XXXX will not take my calls. 
Costco is not taking responsibility. I have all my AM XXXX statements and ALL payment information. I need some help

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 06-06-2015 about Mortgage (Other mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Santander Bank is force placing insurance on my loan due to XXXX rules that should not apply to my property - they are wrongly treating my building like a giant apt complex instead of a small cooperative building. Numerous email and phone calls have gone unanswered - always need to talk to someone else who is never there. They have no force placed added insurance and will deduct cost from my escrow. They are stealing from me. Can you please help me get a satisfactory response from this dishonest lender? Will you please help revoke their banking charter, as they are clearly robbing consumers as a general practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: We are in a Hurricane Irma FEMA designated area ( XXXX XXXX XXXX XXXX FL vicinity ). 

We applied for and were granted a deferred minimum payment grace period on our Chase credit card ending in XXXX. 

We have not received any payment deferment as of today XXXX Sunday, XXXX XXXX, XXXX ). When we call Chase Irma Relief at XXXX XXXX XXXX the Chase representative is not able to help us resolve the issue for deferred minimum payment. 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2016 about Credit card () with U.S. BANCORP (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A fraudulent charge appeared on my account. I have contacted the bank numerous times to have the issue fixed. However, even though I have answered any and all questions and submitted any and all requested documents they refuse to follow the applicable laws of credit card fraud and refuse to even begin a claim, even though I have called repeatedly and spoken with them about the issue numerous times.

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 02-07-2016 about Consumer Loan (Installment loan) with ALLY FINANCIAL INC. (MD).
Issue: Managing the loan or lease

Complaint: I am writing this letter because my consumer rights were violated by Ally Financial Services from misstating the balance due. 

I was a co-signer on my mother 's XXXX XXXX, when she purchased it XX/XX/XXXX. XX/XX/XXXX, my mother filed bankruptcy but still had the Chrysler. I found out about the bankruptcy from a family member. I 've never received any documentation from Ally stating such. 

I, checked my credit report and it showed payments still being made on the Chrysler even after my mother filed bankruptcy ; up until XX/XX/XXXX. XX/XX/XXXX, the account was charged off. 

Also, I noticed my XXXX credit report had a balance of XXXX for Ally and XXXX and XXXX had a balance of {$0.00} so I disputed the balance with XXXX. After the completion of my dispute, Ally changed the balance on XXXX and XXXX credit reports from a XXXX balance to a balance of {$27000.00}, which is " Misstating the balance due '', and a violation of the FCRA. 

When I disputed the balance with Experian, Ally reposed the car from my mom place of residence. After the car was reposed by Ally, is when I received documentation from Ally about the car but nothing before the car was reposed. Since, I 've asked Ally for proof of the bill of sale and they have ignored my request. 

Sincerely, XXXX XXXX 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
Consumer complaint received 11-07-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Trouble during payment process

Complaint: My wife and myself started a loan with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia on XXXX XXXX, 2000. My wife and myself have been paying faithfully from the start. According to certain clause in the contract my mortgage payments were to decrease over time of loan until finally payment. AS the payments were to make another decrease, my wife and I received notice that our loan were transferred and sold to XXXX XXXX XXXX. This was strange since XXXX XXXX now owns XXXX XXXX XXXX. During the process, my account number were changed, my property location were changed to reflect a home in XXXX Minnesota. We contacted XXXX, and informed them of the problem, but they ignored our complaint. They kept implying that I had a Bankruptcy, and my account was locked from decision. Now my so-called loan has been transferred and renewed with Carrington Mortgage Services in XXXX Indiana. I have been paying for a loan on the wrong house for two years now. I wonder what happened to my original loan. This situation has put my job in jeopardy and have put stress on my marriage.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (VA).
Issue: Deposits and withdrawals

Complaint: Note : This Complaint was also filed through the Federal Reserve Form. They claim it will be forwarded to you. 

I have attached copy of a Check that a 6-8 week hold was arbitrarily placed on, claiming internal policy. 

Persists in placing 6-8 week hold on a Home Equity Line of Credit without clear cause and appears to be extremely arbitrary and contradicts Regulation CC in several ways. Refuses to Disclose Policy on Home Equity Line of Credit Checks, claiming they are convenience checks-not true. My Name, address, Routing #, Account #, and the name of the institution, ( XXXX ), clearly on the check. Also, Manager claims convenience checks immediately go into collections. No minimum timely release of funds as required by the Regs according to my interpretation. In reading Wells Fargo Policy in this area, it pretty much aligns with the Regulations, just not in implementation. 
Depending on whom you ask within Wells Fargo determines the many contradictory responses you received. ( Customer Service, Manager, District Manager, and now waiting on Executive Services for their take on this issue as they too were confused. 

From Reg CC ; ( 2 ) Basis for determination ; " No determination under this subsection may be based on any class of checks or persons. ''

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 08/21/2017 about Debt collection (Auto debt) with Patrick K Willis Company Inc (LA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Today sb investigations contacted my boyfriends parents being very demanding and rude. Then also when I called and asked them to cease and desist they stated that they will keep contacting me and my family regardless of what I do. Then they did n't state the mini Miranda also XXXX, which is an investigator, posed as the owner of the company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

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 03/17/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I recently discovered XXXX fraudulent accounts along multiple fraudulent charges on some of my account. I disputed an account the credit bureau after I contacted the company ( Account # XXXX ), XXXX Case number : XXXX. I finally received a letter from XXXX stating that the company will not investigate because sometime notification are sent in error by credit reporting agencies. I will attached said letter and will stand by for further guidance.

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 12-07-2016 about Consumer Loan (Vehicle loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (IA).
Issue: Problems when you are unable to pay

Complaint: As I anticipated, BMO Harris Bank added a late fee to my bill this month. My mother called on XX/XX/XXXX to make payment for me and they were going to add a XXXX charge for paying over the phone. There is also a charge to pay online. They told her the only way they would not charge was if she sent a check. So she did send a check that day for the payment amount. I kept checking online to see if the check had been applied to my account but it was taking longer than I thought. My mom said the money was still in her account as well. I kept trying to get in contact with BMO as I anticipated they would add a late fee if the payment was not made by XX/XX/XXXX. The check definitely arrived by XX/XX/XXXX as it was sent first class normal mail. That never takes longer than a few days. BMO decided to add a late charge anyway. This is not right. They want to charge people to pay them no matter how people decide to do it - whether the service fee for over the phone or via internet, or whether a late fee for sending a check. In addition, now it says my account is in default when it really was not. This sets me back from being able to get online access even more. These are absurd practices done by a giant corporation trying to take advantage of the little guy.

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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STATE FARM BANK, FSB (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have two inquires from STATE FARM BANK ( Inquiry : XXXX XXXX, XXXX ) and XXXX ( inquiry : XXXX XXXX, XXXX ) I am not liable for and its showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted a dispute with Experian regarding information on my personal credit report on XXXX XXXX, 2015 and shortly afterwards, they sent me a letter stating that they received a suspicious request. I called Experian and was informed that they would not re-open the investigation and that I needed to submit another dispute. As I am aware of the stipulations of submitting a XXXX dispute within 30 days, I waited until XXXX XXXX, 2015 and then submitted a new dispute regarding the same information. They did not respond at all to my dispute letter and I even provided them with the identification documents that they requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: hi my name is XXXX XXXX i tryed many times to have XXXX ohio federal court files removed from my transunion and all other credit reporting bureaus to have this info removed and they will not do anything about it i have contacted and disputed with all party, s in this matter so i would like to file a complaint on transunion and the other bureaus reporting this info on my reports here is a copy of my transunion report and the XXXX ohio federal court files that i X next to then needs to be removed from my reports as a us citizen i should have the right to have this info removed from my report 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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XXXX XXXX, my wife and I sent a letter to Equifax requesting them to investigate certain accounts on our credit report. My wife has received her response. However, after 45 days and counting, I still have n't received mine. I am attaching a copy of the letter that we sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MN).
Issue: Trouble during payment process

Complaint: I contacted Ditech in XX/XX/XXXX after receiving my monthly mortgage statement. I called their XXXX number and sat on hold for a half hour.
I spoke to a rep named XXXX and requested information so I could start paying my mortgage every other week. She said she would immediately email me a form and that I needed to fax it back them. We hung up. I checked my email. Nothing. I tried calling back a few times, but always got placed on hold. I do n't have time to sit on hold for something this stupid and easy. I emailed their customer service department a week later with subject line " COMPLAINT. '' It has been almost two weeks and I have gotten ZERO response.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (I do not know) with Global Credit & Collection Corporation (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I am getting calls from a company named XXXX. They call me all day every day while I am working. They also yell and me and are rude. They never state their information such as where they are located or business information. The number they are calling me from is XXXX.

Company response to consumer: Closed
Consumer complaint received 04-07-2015 about Student loan (Non-federal student loan) with AES/PHEAA (CT).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I have file several complaints with Equifax to remove the XXXX student loans accounts for National Collegiate Trust ( NCT ) because they have reached the 7 years mark of being on my credit report. Each time they wrote back stating that after the investigation of the XXXX accounts belong to me ; but my request stated that my dispute was that the accounts has been on my report for 7 years from its XXXX delinquency not if the accounts belong to me! I feel like this is a tactic of theirs by giving me the run around to be able to report debt pass the legal law requirement. I have attached the letter of dispute I sent to XXXX XXXX/XXXX/XXXX, the tracking number for proof of delivery, XXXX response credit File number Confirmation # XXXX date XXXX/XXXX/XXXX of the investigation to my request of dispute, XXXX file number XXXX XXXX response to my question regarding how long information remains on file, XXXX XXXX credit file number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for XXXX, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for NCT, XXXX XXXX credit report number XXXX showing the XXXX delinquent date as of XXXX for all XXXX accounts for NCT and a XXXX letter head from NCT. Please have the National Collegiate Trust ( NCT ) remove from my credit report, for they have served there serve years from the XXXX date of delinquency on my credit report. I believe NCT has an account with Equifax and that is the reason they are giving me a hard time ( the run around ) with removing the XXXX accounts NCT is reporting on my credit report. I sent the same request to XXXX and XXXX and the accounts was removed. This company has broken many law and has learn how to avoid CFPB by not being a register company. They report on my credit report as National Collegiate Trust on XXXX and AES/NCT on XXXX, American Education Services ( AES ) on XXXX but is registered as American Education Services. My complaints with CFPB in XXXX stated they could not investigate National Collegiate Trust because the company could not be found and I can not file a complaint that has XXXX names ( ie. NCT/AES ). It 's my belief that NCT is practicing fraudulent tactics and really need to be investigated fully!

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other

Complaint: I have XXXX, sponsored by Bank of America. I use it to accumulate miles for the mileage plan. I pay twice a month, and I never carry any balance. I pay a $ XXXX yearly fee. I believe I am being harassed by Bank of America with frivolous card changes ( forcing me to update all my payment accounts ) and locks on my credit ( they claim suspicious use ) in order to make me close my account. Curious if others have had this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (I do not know) with I.C. System, Inc. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A debt collection company which appears to be located in XXXX, ND has been calling my residence several times over the last 6 months looking for a party who has n't lived here in 10 years. I 've advised them as such and they allege they 'll put me on the no-call, bad-number list, but they continue to call in spite of their hollow promises. Their number is XXXX.

Company response to consumer: Closed with explanation