milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2016 about Credit card () with DISCOVER BANK (OH).
Issue: Advertising and marketing

Complaint: On or about XXXX XXXX, XXXX I lost my XXXX XXXX Checkbook which had been previously setup to use as a payment account on my Discover IT account with Discover. I immediately contacted XXXX XXXX to close this account and open a new account. I neglected to update my bank information with Discover so that my new XXXX XXXX account would be able to be utilized for payments. I infrequently used my XXXX XXXX account to pay Discover, as my main account to pay Discover was XXXX XXXX. On XXXX XXXX, XXXX I scheduled a payment to Discover from my XXXX XXXX account which had been previously closed in XXXX XXXX unknowingly that I had n't updated my Discover account with new XXXX XXXX account information. On XXXX, XXXX I was notified by Discover electronically that my account was delinquent. I contacted Discover about this issue and was informed that Discover had received the returned payment back from XXXX XXXX who indicated with the returned payment that the account had been closed. This was the first time that I became aware that the XXXX XXXX information had n't been updated with Discover. Discover did reverse the return payment fee of {$27.00} on XXXX XXXX, XXXX. I 've had this Discover account since XXXX XXXX, XXXX without any missed payments. I have received credit line increases on this account which initially started at {$6500.00} and now has a credit line of {$26000.00} which is evidence of my exceptional history with Discover. I applied for another credit line increase as has been routine for me and was shocked to be declined due to " Delinquent history on your account ''. I immediately contacted Discover and spoke with Discover New Accounts and the Executive Offices and was informed that the delinquency status would remain on my account. I inquired with both departments about Discover 's claim in advertising that they will not penalize you for your first missed payment. I was informed that the delinquency status is not being reported to the major credit bureaus, but would only be maintained in Discover records. This is in direct contrast to Discover 's advertisement that they wo n't penalize you for your first missed payment, as I am clearly being penalized for being late with one payment over the course of a 2.5 years exceptional account history with Discover..

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Debt collection (Credit card) with DISCOVER BANK (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls from XXXX, up to XXXX XXXX times a day, auto dialer. After I have informed them, elderly are in the home, and the person they want is not here. 
.. Discover Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2015 about Debt collection (Credit card) with The CBE Group, Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have a debt collection company calling my employer. I just reported XXXX company maybe a month ago and they stopped and clearly gave my information over to another company since they could no longer call my employer. I need this to stop permanently. I ca n't have these sorts of calls coming into my work office. My employer 's phone number is not my phone number, which means they 're knowingly contacting me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Checking account at Chase Bank was restricted because, after having the account open for 20+ years, I would not give them additional personal information. I was unable to use my debit card, withdraw money from ATMs or have checks paid against this account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a credit card Supposedly opened for XXXX XXXX 5 years ago when I was just a XXXX in college on XXXX vacation. I was not aware that it was an actual credit card, the cashier made it seem like just a promotion that the store had going on at that time. I only spent {$25.00} on a pair of shoes that I was originally paying in cash. All of a sudden late payments kept getting piled up, and that 's how I have an unpaid balance of {$160.00}, which I was unaware of, now on my credit report. I never even activated the card!! I was tricked into thinking I was getting a deal on a pair of shoes! The credit card is delinquent and showing up as bad credit and highly affecting my score before I had the chance to discover and build good credit on my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with PACIFIC WESTERN BANK (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2017 at approximately XXXX XXXX I did the following : 1 ) Called Customer Service to place a Stop Payment on a check. They informed me that they could not place a Stop Payment. 2 ) I called the XXXX branch during business hours and was told that " I had to come in '' to place the Stop Payment. 3 ) I informed them that I was in downtown XXXX XXXX and could not get back before closing. 4 ) I have since contacted the branch where I opened the account. I informed them that I had no Online Access to " Stopping the check. '' Pacific Western should not offer checks since they have " no support for check writing and having to go into the bank when there are only 3 branches in all of California. '' People can not physically get there. And 5 ) I had tried to dispute this with another branch but they refused to assist.

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 09/25/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Incorrect information on your report

Complaint: A previous complaint about Seterus was closed by them with response to my concerns as follows : - to the concern that they are reporting a couple of months as past due on a sold property on XXXX/XXXX/XXXX, their response was that they did n't get their money until XXXX XXXX. If you sell something and it takes a couple of days for the credit card company to get the money into your account, the date of sale is when a contract or a transaction took a place. Per the attached document, the house passed to another owner and a bank on XXXX/XXXX/XXXX and as of the morning on that date I was no longer the legal owner for that property. However, Seterus presented an account history showing they got their money on XXXX XXXX, so according to them though there is a legal document showing XXXX/XXXX/XXXX as the date of the sale and exchange of ownership they go by when they got their money from the buyer 's bank. 
- to the concern that according to the law they have to report the loan status as " short sale '', they report it as " foreclosure proceedings '' in order to maximize the damage on an individual 's credit report. In their response they argue foreclosure proceedings had started, however, there was not a single document presented to me that such proceedings had ever started. In addition, they are supposed to reflect the current status of the loan and they keep reporting " foreclosure proceedings '' as if a foreclosure is pending on the property.
If those two items are not corrected, legal means will be taken to seek correction and damages from the delayed correction of these inaccuracies.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was told I 'd be sent a credit balance refund for over 3 thousand dollars from Barclays. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. Barclays was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau.
I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with barclays again. Their business tactics have been disgusting and appalling Barclays is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query

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 04-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I called Navient on XX/XX/2007 to ask if I can allocate my payment of {$800.00} a month to aggressively pay my two higher interest loans of 15 % and 11 %. They said I could and that I was able to do it on the site. I also asked if they could work with me on lowering my interest with these loans since I 've been making on-time payments for over a year. They said they could not negotiate. I explained that I am working XXXX jobs 7 days a week to try and afford my payments of {$800.00} and wish the payment would concentrate more on the higher interest loans. The monthly interest alone on these XXXX loans add up to {$400.00}. I financially planned to pay off compounding interest only on my other XXXX loans and to allocate the rest of the {$800.00} dollars to the other XXXX. Which is what I did online. It was simple. However, after the period closed, my loans were past due. I called Navient again on XX/XX/XXXX to clear this up. The representative named XXXX was very unhelpful. I told her that the previous representative misled me and if I would 've known that this would happen I would n't of done it. After an hour of unsucessfully talking to her ( of which I asked several times to speak with someone else ) she said that they would reallocate my payment to bring my account current. Then she surprised me by saying that I would still be {$40.00} delinquent which baffled me. I told her I payed {$800.00} which is what my bill said online. Where is this {$40.00} coming from. She could not explain. I told her that why would they say on the site what my payment should be if it 's not what it truly is? She could not explain this. Again I told her they are misleading and malicious. They are not willing to work with me. I have a full time career and a weekend job just to live and pay these ridiculous bills with interest so high I am buried in capitalized interest. After the phone call over a week ago I am getting phone calls informing me that I am delinquent. I 'm not even sure if they re allocated my payment to make it current because it has not shown on my account and I am getting voicemails while I 'm at work. The representative could not help me. It 's a dead end. It does n't help that she did not speak good XXXX and continued to contradict herself and misinform me. Navient has not made an effort to help me with my loans despite my good standing and pro-activity.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit decision / Underwriting

Complaint: Bank Of America has reported my home equity as past due to the credit agencies. This is not correct, as the account has been paid as agreed. I believe the bank has committed fraud. 

SUMMARY OF EVENTS : The BOA refinance dept was contacted back in XXXX, XXXX to redo the loan on my current home equity loan with Bank of America. The loan was expected to expire in XXXX, XXXX. 

I was asked to provide information such as income, tax returns etc.., which has been provided to them. They acknowledge that everything that was required has been received. It still has not been sent to their underwriters, I am constantly on the phone with them to follow up, not sure what there incentive is to slow this process down, other than trying to put the loan in foreclosure. After speaking with other bankers I have been told that to do modification the account has to be past due, so they manipulated the process by reporting this account as past due, even though i have never missed a payment.

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 09-12-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Company has failed to respond within 30 days

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Bank account or service (Checking account) with BANCO SANTANDER PUERTO RICO (PR).
Issue: Deposits and withdrawals

Complaint: I make a deposit of XXXX dollar in a ATH machine in the outside of my bank local, and they never credit it to my account. I submit a claim to them and suggest them to check the video camera. Then they send mi a letter where they said that the video show the envelope was empty which is completely false. I check the video with them and it is clear that I put the money in the envelope. I never put back the money outside the envelope. They reject to give me a copy of the video which it is clear they are hiding something, After I ask them for the transaction journal and the show me a list of transaction that show I cancel the transaction which I suspect is an altered list for three reason. First I never cancel any thing during my transaction, the machine give a confirmation number in the screen. Second The machine do not allow cancel once the money is inside and it is contradictory with the version of them of finding an empty envelope inside. Third if there were a cancelation of my transaction they would said me that in the letter since they said that they check the ATH transaction also. They stole me a {$200.00} dollar and them betray me with a very respectfully letter suggesting I am doing some trick which I found very offensive. I have direct deposit in this bank, XXXX account including my house mortgage and I have been client of them for 15 years.

Company response to consumer: Closed
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXXI attempted to modify my 2nd mortgage with CitiMortgage. I was told by a Citi employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with Citi stalled, I received the attached letter from Citi stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. CitiMortgage is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My account Payment History from  XXXX  was disputed, as it was erroneously reported that I was 90 days late. I wasnt 90 days late, as I was in forbearance. I sent in evidence and you confirmed w/ the  XXXX , that my account was in forbearance AND not 90 days late. Attached are screen shots from my credit report today and that on   XX/XX/XXXX . Notice  the missing payment history.   XXXX  Please correct my payment history that was removed. Payment history is 30 % of my  credit score a nd its accuracy is most important. Payment History from   XX/XX/XXXX   and  XX/XX/XXXX  is missing!

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 10/27/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: These people ( XXXX ) call almost every hour from XXXX - XXXX. When I answer the phone, they hangup. They have called repeatedly for two weeks. I looked their number up on google and found out that it is a collection agency for Sam 's Club XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Public record XXXX XXXX XXXX Identification Number:XXXX is too old to be on file. It is obsolete, not responsible for this judgment.Please delete 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 non-monetary relief
Consumer complaint received 08/16/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Closing/Cancelling account

Complaint: I applied for a credit card with Barclays Bank. I got denied. They said " our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' This is not true. I 've never had any of these with Barclays. I always paid my credit cards on time. I 've never had XXXX delinquency with them, let alone a severe XXXX. I have no negative performances on my record. I feel that somehow I 've been blacklisted with Barclays. I do n't know why, but it is extremely discriminatory.

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 05/29/2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Deposits and withdrawals

Complaint: Citibank cleared a trust check that I deposited at a Citibank ATM. The check was from a certain trust account and was made out to the trust and also my name. Around XXXX weeks later I received another trust check exactly like the XXXX XXXX and deposited it into my account thru the ATM. This time the check was returned. To cover the debit of this returned deposit and to insure none of my outstanding checks bounced I had to take a cash advance from my credit card. The fees and interest charges were huge. While Citibank acknowledged they made a mistake in accepting the very XXXX check ( which because they did I deposited the XXXX XXXX in exactly the same way ), they refused to reimburse the total fees and charges incurred instead somehow never explained to me they paid approx. XXXX of the fees. And this took over XXXX months to accomplish.

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

Complaint: It was difficult to make the payments they requested and my credit was affected. They also would not lower my interest rate. Also, I receive state health insurance for my children, a form of XXXX, but they would n't accept it for proof of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX Student loans sold many of my private loans to Discover. While looking at my credit report I see several " payments '' made to Discover that I never made, therein extending the reporting period on my credit report. These payments appear to be a direct result of the transfer between XXXX to Discover and therefore should not be represented on my credit report. 

I have NEVER made a payment to Discover, so I tried contacting the company through XX/XX/XXXX and have made several complaints with the Better Business Bureau. To date Discover has not given me any information on the alleged " payment '' that were made by me through XX/XX/XXXX besides some graphs that could 've been made in XXXX XXXX. None of the items furnished even have an account number so it is impossible to link them to my account. I argued that if these payments were made Discover should be able to furnish proof of these payments via EFT confirmations, voided checks, etc however they refuse to give me any information.

Company response to consumer: Closed with explanation