milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (AL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On XX/XX/XXXX I purchased airline tickets for my XXXX Vacation Trip to visit my family in New Jersey using my XXXX XXXX XXXX XXXX XXXX XXXX ( See Attached ). I purchased an Economy Fare for which I was notified that this fare did not allow me with overhead bin access for my carry-on bag ... I was not bothered by this as I was using my XXXX XXXX XXXX XXXX for this purchase and my card benefits allowed me one bag under my seat and one bag in the overhead bin ( See Attached ) ... When I checked in for my XX/XX/XXXX flight I was advised by the ticket agent that I was only allowed access for one bag that could fit under my seat and that I would need to check my other bag for a {$25.00} fee ... I advised the XXXX XXXX agent that my Credit Card benefits allowed for one ( 1 ) personal item that fits under my seat and one ( 1 ) Carry-On bag ... I proceeded to show the agent my XXXX XXXX Credit Card and even pulled up the XXXX Economy Flight Policy on the internet showing her my benefits ... She took my Card and called the Credit Card Company and they told her that my Credit Card did NOT qualify for this benefit ... Once again I showed her the policy that was on the XXXX XXXX website and she went into the back office to get her manager ... Her manager reviewed my Card and she agreed that my Card did not qualify for this benefit ... She told me that I had the XXXX XXXX XXXX and that only the XXXX XXXX XXXX qualified for the Carry-On Bag benefit ... The Web-Site ONLY states " XXXX XXXX XXXX XXXX '' it does NOT differentiate the Red or Blue colors ( See Attached ) ... I feel that this is a clear violation of the UDAAP regulations as in my mind this is an extremely deceptive practice. The ONLY reason I have this card is for their Travel Benefits for which I was denied ... This also caused me to experience over a one ( 1 )  and a 1/2 hour delay after landing because my bag ended up being misplaced and ended up in another terminal which caused me added travel stress ... It also caused me to be extremely late for our annual Family XXXX Party ... On my return flight on XXXX XXXX, I just went ahead and checked my bag and paid the additional {$25.00} Fee ( See Attached ) rather than having another dissatisfactory Customer Experience.

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 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I moved from XXXX ( apartment complex ), XXXX Texas and wrote a check for the amount of {$130.00} on XX/XX/XXXX. Check # XXXX was cashed on XX/XX/XXXX. I was turned over to collections in error by the leasing company. I was not notified that I was turned over to collections until I applied for a credit card in XX/XX/XXXX and I contacted the agency and they said, yes I had collections with them. However, I was never called nor notified via mail about this debt that I did not owe. I had discussions with the collection agency that this was in error and then I called leasing company and they stated they would send the appropriate documentation. I then followed up with the collection agency in XX/XX/XXXX. Instead of deleting the account, it was closed as paid in full, but I never paid the collection agency any funds. So why would it state " paid in full ''? It was discussed in XX/XX/XXXX that the account would be removed from my credit history with the collection agency. When I applied for a car in XX/XX/XXXX, this still showed on my credit report and credit agency refuses to remove this. I have sent documents to them twice indicating that I never should have owed those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have contacted this company a total of three times, requesting validation of the alleged debt ; as well as proof that they ( the company ) has the legal authority to collect the alleged debt on behalf of the original creditor. Twice the company sent a billing ledger as validation. A billing ledger does not assign a debt to me. In the two times they have sent that billing ledger they neglected to include proof that they have the legal authority to collect the the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Other

Complaint: On XXXX XXXX @ XXXX, I made a {$460.00} cash payment at a local Bank of America drive-thru. Approximately 2 weeks later I got an overdue statement in the mail. I went into the bank, with receipt in tow. I was assured they 'd take care of it. After no results, I went into another location on XXXX XXXX, and was told that if I were to return to the original location, they should be able to correct the mistake on the same day. So, I did. I arrived @ XXXX and spoke to the Assistant Manager, XXXX XXXX XXXX who remembered I had been there and she said that she could not do anything. She had a personal banker call into customer service with all information, letting them know that she confirmed that it was due to a teller error and no fault to me. She told me that it would be cleared and all fees and negative reporting would be removed. Furthermore, XXXX, claimed that she would follow this herself to ensure that it is restored. Today is XXXX XXXX. I have been unable to use my card since before XXXX XXXX, and now, I have received a letter stating that proof of my claim is required. I am now left wondering if my payment was in fact stolen, as I am being treated with contempt. I have had this card with a very large credit limit, in good standing since 1997. I am afraid to make further payments and hope that someone will help me to straighten this matter up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed information on my credit report to the credit bureaus. I alsodisputed the account directly to the original creditor. I asked them tovalidate the information they are reporting. They simply wrote it ona letter and sent it to me but it 's all hearsay. Nothing in writing proving it. 
The information does n't match my records and I believe it to be wrong. 
I was never late, yet they reported me being late by 90 days. How can Ibe 90 days late without first being 30 and 60 days late?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Making/receiving payments, sending money

Complaint: I have at least three times submitted payments ( well before the due date ) online from my checking account ( with CapitolOne ) to my credit card with CapitolOne, and have had it returned AFTER my due date with some nonsense that the bank refused to pay the bill - but I receive not notifications on my checking account that it 's been refusing payments. Also, this all occurs AFTER I receive a confirmation that my payment has posted. I know the information is correct because the accounts ARE LINKED ON THE WEBSITE! The only way around it has been to submit payments from another checking account from a completely separate institution.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The item with XXXX XXXX was deleted from my Equifax credit report on XXXX/XXXX/XXXX and it was re-inserted back on my credit on XXXX/XXXX/XXXX. There was no reinsertion notification as required by law. 

Equifax, XXXX and XXXX FAILED to notate on my credit report that this item was in dispute per the FCRA. 

I 've been dealing with this issue for 2 years now and they reinserted the item back on my credit without notifying me within 5 days. 

They are in violation of the FCRA/FDCPA on the following counts : 1 ) Neither XXXX, Equifax nor XXXX, notated the item in dispute. Still current report is not notated. 
2 ) Equifax deleted item and reinserted back on my credit. 
3 ) Equifax did not notify me within 5 days nor did they send me any information at ANY time informing me of the reinsertion. 
4 ) XXXX failed to cease collection activity My last attempt to get this resolved was a certified letter tracking # XXXX sent to XXXX on XXXX/XXXX/XXXX informing them of the violations. 

I am asking Consumer Financial Protection to help me get this resolved, it 's been 2 years that I 've been dealing with this. My last resort would be to contact an attorney and file a lawsuit for all of their procedure violations. I hope it does n't come to that. All of this over a {$47.00} collection that was previously deleted. This item is the only blemish on my credit report. 

This company clearly has no regard for following ANY of the FCRA/FDCA consumer laws. 

Attached is several pages of my credit reports showing the item deleted on several dates as stated and then reinserted. Attached also XXXX reports from several dates where they failed to notate the item in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AE).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after five years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over XXXX years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for XXXX years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.

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 03/19/2015 about Consumer Loan (Installment loan) with Castle Credit Co Holdings (GA).
Issue: Managing the loan or lease

Complaint: Castle Credit corporation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX I purchased a water filtration system from eco-water in XXXX of XXXX it was financed by their preferred company, castle credit. 
Complaints are, the company attached a lien to my home with no judgement. I talked to them and asked them to remove the lien and they refuse to. It is financed an amount of {$4700.00} and after paying for over two years, my pay off is {$4500.00}, so at $ XXXX/month for more than 24 months, only {$200.00} has been applied to principle!!! This is a rip off and a loan shark. I have always made payments every month, never missed a payment and they attach a lien to my home along with this insane finance charge and interest rate. This company needs to be investigated and fined for unscrupulous business practices. For all the money I have paid and almost NONE of it is applied to my balance, along with being slapped with a lien on top of that? 
This business is not reputable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Credit card () with CITIBANK, N.A. (IN).
Issue: Closing/Cancelling account

Complaint: I applied for a SECURED credit card with Citi bank. Upon receiving the card I activated it. I tried to add the card to my XXXX and I was told I needed to verify my account. I called in to verify and since my phone number did n't match my account, they said they could do nothing for me. I called several different representatives to finally get the option to fax in my personal information ( id, social security card, and proof of address. ) I did so. I called to check on the status of my account and they said my paper work was not accepted. I sent in everything they asked, why was it denied? I came to the conclusion I wanted to cancel the card. They will not allow me to do so. I 've had the account since XXXX XXXX, I 've called OVER 40 TIMES. I have yet to have my issue resolved and they still have my {$200.00} deposit and will not let me close my account. I even went into my local Citi branch to verify but, they told me I could not do that there. Please help me, I just want to close my account so I can build my credit elsewhere.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm trying to buy a HUD foreclosure property. The bank do a background credit check and found the debt amount of {$22000.00} to the IRS. They told me and I said them that account is n't mine. So, I decided to call XXXX to report the problem and I went to their office in XXXX, PR too. Then call and go to the IRS office and do all the steps they said I have to go and I do it. I go to the IRS office in XXXX, PR too. First, I report the problem to XXXX XXXX because in my credit information report they are the Company who are referring the issue to the credit. I do the report # XXXX by telephone on XX/XX/XXXX. XXXX XXXX said I do n't have any issue on my credit information but I request my credit information anyways and the debt appear on credit information. I call again to XXXX XXXX and notify the issue twice. I said I have a Letter on a second name XXXX And I never had a second name, and I never been at Georgia where are the tax information on my credit information. Then I do a second reclamation on XX/XX/XXXX at XXXX XXXX. And they only eliminate the letter XXXX on the second name and send me the credit score again with the same problem. Then I called to the IRS and do the request. They request some papers I download sign and send the information by fax on XX/XX/XXXX. Later we call a lot of times by phone, but we decide to get an appointment and go personally there. We went to the appointment in XXXX IRS offices on XX/XX/XXXX at XXXX. They said sent a letter that is on the way but the letter never land at my hands. Then I go personally to XXXX and social securities office in XXXX at XXXX and the person who attend us give us an appointment to XX/XX/XXXX, to go there with all the required information. But for me Is too far because I 'm trying to buy a house. On the same day XX/XX/XXXX I do a report on the police station too. Today I do another claim on the FTC report # XXXX. Please help me to solve this issue. That debt Is n't mine at the social security they said the person are using my identity from XX/XX/XXXX and I submit evidence to the IRS I have been in XXXX from XX/XX/XXXX to XX/XX/XXXX. I 'm tired from this situation and I will lose the opportunity of buy my house for this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Incorrect information on my credit reports from XXXX, XXXX and EQUIFAX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XX/XX/XXXX and XX/XX/XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX-target continues to verify their account on my XXXX credit report even though I have reported to them through all XXXX credit reporting agencies, that fraud existed on their account. I have included XXXX police reports with my identity theft disputes. XXXX police report is from XX/XX/XXXX when I noticed that identity theft had occurred, while I was out of the country. The XXXX report was filed XX/XX/XXXX to continue to investigate identity theft, as my license had been used in traffic violations. 

Target reported in XX/XX/XXXX, through CFPB that my account was at a XXXX balance until XX/XX/XXXX, at which time, fraudulent activity was made on my account. 

The account must be removed from my XXXX credit report. My target account was withdrawn from my XXXX report, & blocked from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I vehimately disagree with the Synchrony bank rep who researched my complaint about the interest charge for {$100.00} and {$19.00} for the XX/XX/XXXX statement for 2017. I was OFFERED this by a rep directly and it never took place. Now I get a response stating that the interest was charged in accordance with the agreement for the credit card. Of course I understand that, but since it was offered to me, I believe I am entitled to this. The fact that I get a letter stating contrary information means the customer service reps are not on the same page with the executive management and then i am given false information? I am entitled to that interest as promised and expect it!

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 09/29/2016 about Debt collection (Non-federal student loan) with COAST PROFESSIONAL INC (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I still see a debt owed to Coast Professional on my credit report in the amount of {$2600.00}. This account has been paid in full for over a year. When I contact Coast Professional, they will confirm that I do not owe them any money but they will not provide written confirmation of any sort. 

This has resulted in my being turned down for a mortgage and paying thousands of extra interest on my auto loan due to an unfavorable rate offered because I credit score was damaged by this erroneous item.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Citibank advertised a {$400.00} bonus for new checking account customers. Having met all the terms and conditions, including the initial deposit and balance requirements, the bonus has yet to be deposited to my account after the 90-day timeline specified in the offer.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: i HAVE 5 DIFFERENT STATE TAX LIENS ON MY CREDIT REPORT I CONTACTED MY COUNTY TAX OFFICE ; CLERK OF COURT AND IMMEDIATELY GOT A SATISFACTION OF THE 5 TAX LIENS UNDER MY NAME. I CONTACTED THE XXXX XXXX XXXX XXXX  WHO SAID IT WAS NOT TO BE ON MY CREDIT AND SENT ME LIEN SATISFACTION AND LETTERS TO THE THREE CREDIT AGENCIES. THIS HAS BEEN SIX MONTHS AGO AND ITS STILL THERE. ALSO I HAVE A XXXX BILL FOR OVER XXXX ON MY CREDIT THAT IS NOT MINE. HELP ME.MY CREDIT IS HORRIBLE

Company response to consumer: Closed with explanation