milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX Without receiving a letter or phone call, my Barclays XXXX XXXX XXXX was closed. 

When I called to discuss the matter with customer service, they said they sent a letter on XX/XX/XXXX notifying me of the closure. 

The reason they gave me over the phone was that I had 6 inquiries and 2 new credit cards opened after I opened this XXXX XXXX account in XXXX. I have never been late on this cards or any other credit cards payments. I even have an overpayment credit with this XXXX XXXX. 

When I was invited by mail to open this card in XXXX of XXXX, I accepted and received the card shortly thereafter. Receiving an inquirie on ones credit is XXXX when opening accounts like this. So when I opened this XXXX XXXX I naturally received an inquiry as well, and also paid their annual fee of {$490.00}. 

Nowhere in the terms and conditions of this card does it say that, once I open this XXXX XXXX, I Los my federal right to apply for and open 2 more credit cards, which are all in excellent standing and with never a balance carryover to the following month. I am the prime candidate for a credit card of this manner. In addition, this XXXX XXXX has a credit limit of {$5000.00}, which is much smaller of a balance than any of my other cards. 

Since this leaves no true and legal cause for closure of my account in excellent standing, it leaves me no other option than to suspect that I was targeted and discriminated against for being of Armenian ethnicity. 

The XXXX who helped me was from the XXXX XXXX of XXXX, his first name is XXXX, and his Customer Service ID number that he provided is XXXX. Please help me get to the bottom of this u fair consume practice and hopefully not allow this to happen to anyone else.

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 07-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I would like to file a complaint againist Navient formally XXXX XXXX. I went to school at XXXX XXXX XXXX of XXXX. My original loan was for {$35000.00}, now the loan {$100000.00} and climbing. We thought we paid {$17000.00} through a chapter XXXX bankruptcy which was to go againist the princle only, which did n't happen. A Navient representative say went toward interest only. I have XXXX student loans, XXXX is with XXXX the original loan was for {$14000.00} which is a government student loan ( fafsa ). I am on great terms with XXXX and have been. I have XXXX loans from my understanding with Navient still, XXXX the original loan was {$15000.00} and another for XXXX which are XXXX private student loans. All the paper I have been receiving from Navient in the last few months have been for XXXX loans. XXXX for {$14000.00} {$46000.00} Interest {$11000.00} {$58000.00} and XXXX {$15000.00} {$35000.00} Interest {$8800.00} {$44000.00}. It was n't until I called them and spoke to someone about the account that I learned about other loan for {$19000.00} which I have no paperwork for. I have not had any communication with XXXX since my bankruptcy nor has my dad in over 8 years. Now they are going after my dad saying owe them for the XXXX and are unwilling to work with us until we start making payments. I do n't know what to do and my main concern do we owe the full amount? Why are they charging us interest on a loan they do n't even own? They also claim to have changed us late fees and penalties on the account, but will not provide any information on what those charges are and how much? Can you help? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Credit reporting () with Experian Information Solutions Inc. (HI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I WENT TO XXXX AS SUGGESTED BY XXXX FICO TEAM AND THIS WEBSITE.  I ORDERED ALL XXXX CREDIT REPORTS. I RECEIVED THE FIRST REPORT FROM EXPERIAN AND SAVED IT. I THEN DISPUTED AN INCORRECT ISSUE AND RE-SAVED.  I WAS THEN PREVENTED FROM PROCEEDING WITH THE REST OF THE REPORTING. I WAS, HOWEVER ABLE TO NAVIGATE ANYWHERE ELSE (PURCHASE CREDIT PROTECTION OR ORDER A XXXX SCORE). THERE IS NO PERSONNEL ANSWERING THEIR LINE.  I THEN CONTACTED THEM VIA THE ONLINE "CONTACT US", BUT HAVE NO WAY TO GO BACK TO MY REPORT.  THIS IS UNACCEPTABLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My social security number was stolen in late XXXX / early XXXX of 2015. I filed a police report immediately after being notified by a credit monitoring service ( XXXX XXXX XXXX ). Of the XXXX credit reporting agencies, only Equifax continues to claim the inquiries are " factual ''. XXXX and XXXX do not reflect the fraudulent inquiries. I filed a fraud report and even faxed in a follow-up document to Equifax , listing the fradulent inquiries. I will again contact all of the companies that ran inquiries with my social security number and ask them to report to Equifax the fact that these were not performed by me. I believe Equifax should be investigated over similar matters like this. 

Recently, I list these inquires as fraudulent on the Equifax dispute website. Equifax quickly respond by annotating the inquiries are " factual ''. The identify theft happened over a year ago, and these inquiries remain on my Equifax credit report. Please look into Equifax 's business practices with regards to closing investigations as " factual '', when they clearly are not. Of the XXXX credit bureaus, I do not believe they are adequately investigating consumer-requested corrections to reports. If they had, it would be obvious that these inquiries were not made by me. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, XXXX Equifax learned of a large scale breach into mine and other consumer 's information through a database breach. This information pointed to the fact that Equifax had leaked much of mine and other American consumers personal data, including social security numbers, date of birth, and even credit card numbers and other personal information. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Immediately following my discovery of the breach ( XXXX XXXX, XXXX ) I placed a 90 day fraud alert on my account through Equifax. This is already two months after the breach occurred, however, which leaves plenty of time for a hacker to have used my information to open credit cards in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch on XXXX, 2016 and due to this a total of XXXX inquires are now back on my credit and has lowered my score by XXXX points. I called to speak with the special handling department at XXXX to advise and I was told that yes there was a issue ; but they are not able to HELP., Are you serious? Come to find out, the outsource company did not transfer me, they put me on hold and got someone else from the same department.

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 06/27/2017 about Debt collection (I do not know) with ZENCO COLLECTION, LLC (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I received a call at work from a XXXX XXXX with Zenco at XXXX EST on XXXX XXXX, XXXX. He claimed he was with the legal department and needed to speak to my HR manager in order to set up a wage garnishment. I then began asking questions about the supposed debt. He stated it was from a repossession from XXXX and the debt was over {$6000.00}. I told him that neither that amount of money, the repossession or his company was on my credit report. I also told him several times that he was not permitted to call me or talk to anyone at my place of business. He again said he was the legal department and told that I can not tell him how to do his job. He then said that if I wanted to take care of this now, I could give him the amount I knew I could pay, the give him a post dated promissory check that had to be collected before the end of the month. I asked him for something in writing and that I was entitled to have something regarding the debt mailed to me. He claimed they already mailed a settlement and that now I will have a judgement against me. Again, there is no judgement or anything from this company on my credit report. I told him again, that if he wanted me to speak with him, I needed something in writing. He said he would email me, but only if I told him how much I could pay. I said that I would not accept email and to mail me proof of the debt. He refused. I then asked for his name, XXXX XXXX ( as I told you 5 times already, clearly you do n't listen ) -he told me that. Then I asked for his company name, which I needed to ask for many times before he told me. I asked for the phone number and he rattled this off so quick that I was able to confirm it based on caller ID.I then asked for the case number and he refused to give me anything of that nature. I said to please mail me something and he proceeded to tell me I was being indignant and rude and hung up on me. He then called back, I answered the call and he was getting extremely aggressive with me telling me that I will be in big trouble if I do not cooperate with him. I repeatedly told him to mail me something and that he was not permitted to call my place of business to which he responded that he can call anyone or anywhere that I am located and he will speak to my HR manager and get my money taken away from me. I repeated the note to not call my place of business and to mail me something as I know I deserve that. He did not ask for my personal number and only once confirmed the address he had. He then stated, " put me through the your HR manager and you are going to be in big trouble young lady ''. I put him through knowing that his tactics were inappropriate. I am reporting him as he was harassing, threatening and using multiple scare tactics to get me to pay him.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (NH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company placed this collection on my credit report with no contact to me prior. This company has entered into a settlement in XXXX with the XXXX of the Colorado Fair Debt Collection Practices Act for the same type of behavior. The creditor listed is XXXX which I had in XXXX and who erroneously put me in collections. I completed a dispute with XXXX and they cleared my account when they found their error upon investigation. This never was and is not a valid debt. I am in the process of buying a house and it has caused my mortgage interest rate offer to go up by 1 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by BB & T Dealer Finance on XXXX XXXX. I did not authorize any employee of BB & T to review my credit report at any time. This action is innclear violation of my FRCA and Privacy Acts. I had requested that BB & T provide me with any documentation to validate this inquiries within 5 business days and they have failed to do so. I am requesting that these adverse information be permanently deleted from my credit profile as they have resulted in my inability to secure an employment or housing and obtain new credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found a late payment on the following date : XX/XX/2016 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: CitiGroup is unfairly and possibly illegally and unconstitutionally using its market power to prevent new merchants from opening merchant accounts or from accepting Citi-brand credit card products to sell firearms to customer between the ages of XXXX  and XXXX in states and jurisdictions where the purchase of certain firearms by customers in this age group is allowed by law and protected by the 2nd Amendment.

Citi has publicly announced this new policy on XX/XX/18 and has received wide coverage in the media.

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After the XXXX security breach, summer ofXX/XX/XXXX, I had my credit frozen. I signed up with XXXX  Credit monitoring just to be safe.

I have had an excellent credit score in the 800 's for many years.

I was notified XX/XX/XXXX that my credit score has fallen 54 points on all three reporting agencies. There is no indication why this has happened. It seems arbitrary. Nothing has changed. No new credit. No new loans. One very small credit card balance was paid off, but that should not have effected my score this much. Everything is the same. Bills are paid on time or early and usually with more payment than necessary. No hard or soft inquiries. No one seems to know why this is happening. I have written a letter to XXXX  Credit monitoring to ask why this is happening. I honestly have no faith in them responding. If they notify someone of a 54 point drop in their credit, you would think they could tell you why.

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 09/22/2017 about Checking or savings account (Other banking product or service) with ALLY FINANCIAL INC. (MI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have been a customer of XXXX for about 10 years, and they were purchased by Ally fairly recently. I trade stocks and options regularly, maybe once a month or more on average over that 10 years. I had positive experiences with XXXX and usually fund my account with wire transfers from my credit union. My issue is that Ally is allowing me to use the money WITHIN their system like they are required to, but they are extending holds on my funds of 10 business days. My account is not new, I am not new, I am not risky, I am approved for margin trading, etc. So what is with the extended hold that they refuse to even look at changing? The wires have come from my same checking account for the entire period, so the risk to them that somehow the funds will be attempted to be pulled back is zero. I think under the guise of risk management they are ignoring proper risk management and placing an unnecessary hold time to keep a low cost of funds or encourage more trading with the associated fees to Ally. It 's ridiculous in my opinion. When I attempted to resolve via chat with an agent, that was also disappointing.

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 12/15/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company had paid our property taxes in full on XX/XX/XXXX for the XXXX tax year with money from our escrow. In XX/XX/XXXX they pulled out a second payment for what would have been the second half payment if we were paying in two installments. The county received the overpayment on XX/XX/XXXX and promptly returned it to the broker the mortgage company hires to send out payments. This money has never been returned to our account and it is 5 months later. They have raised the escrow amount on our payment every month by {$600.00} trying to compensate for this missing money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (ME).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I 'm writing a second letter regarding the unfair and poor business practices of Nationstar Mortgage. I sent my 1st complaint on XXXX/XXXX/15, and Nationstar responded with a XXXX page letter stating that everything I said was incorrect. I disputed their letter with more documents and called the XXXX phone # s they listed in the letter. XXXX were customer service lines, but in the letter it stated that " If you have any questions regarding this correspondence, please contact me directly. '' I called this person 's direct line and the customer service representative who answered did n't know who that person was, and could not find his extension. I emailed this Customer Relations Specialist on XXXX/XXXX/15 and XXXX/XXXX/15, but no response. I then emailed the gentleman listed in the letter as my " Dedicated Loan Specialist '', because his " Direct Number '' went to customer service line also. Within a few minutes I received an automated email response that said to call the same customer service # listed on the previous response letter. I replied 10 minutes later with my direct phone # and hours available to reach me. I said I expected his call today, because the letter stated that he was my " single point of contact ''. 
This is a ridiculous game that Nationstar plays with their borrowers, and is the lowest level of service. Borrowers expect and deserve to speak and email with real people from their lender, not just to call in to a call center with people only trained to take notes and put in the electronic file, and when the next level of " service providers '' open the file and send out a form letter by snail mail, which will arrive in 10 days or so. The letter will politely say " At Nationstar, customer concerns are important to us. " I just received the form letter dated XXXX/XXXX/15 on XXXX/XXXX/15, stating that they were reviewing my complaint from the XXXX/XXXX/15 letter. 3 Weeks to send me that letter when they emailed their response through CFPB on XXXX/XXXX/15, and I have emailed 3 reply letters since that time, with only an automated email response to call the toll-free # of customer service. 
I would like the CFPB to intercede and require Nationstar Mortgage to communicate with a reliable contact phone #, and one person assigned to service my account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Prepaid card (Government benefit payment card) with NETSPEND CORPORATION (NV).
Issue: Fees

Complaint: When I prepared my taxes through XXXX XXXX. Once you complete your tax return you have several options for getting your tax return. One of those options was a netSpend Premier Visa Debit Card. Seems easy but read the fine print of the agreement before you opt for this card. There are fees that will deplete your refund and they will continue to charge you fees into a negative balance. The only way you can do business with them is through the Internet. There is no monthly billing, no statement of charges or purchases and no notification of your balance or fees charged when charged. If you call and try to close the account with a negative balance they will tell you that they will charge off the negative balance and off course that will go on your credit bureau. You options are to go to a XXXX or XXXX, load put money on the card to clear the negative balance then call them or go on the Internet and close the card. After raising the roof with them, being that it was a small negative balance they agreed to waive the small negative balance and close the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation