milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing statement

Complaint: The first month my first monthly payment was due to my Barclaycard account, I assumed it was an honest mistake that my statement did not arrive to my address and dismissed it.This became an ongoing problem, as I at no point in time chose paperless billing for this account, and confirmed it when I once again called to make an over the phone payment, and have a late fee removed. I thought my mail was being misplaced by my family, and took action to enroll in text alerts in regards to payment due date. To this day I receive absolutely no mobile alerts in regards to my account, and accessing my account on my application, or on the Web seems to be impssible as it is always down. I have only received statements when requested by phone with a live operator, and when my account has gone past due status. I am hounded over the phone when the company has not received payment, but feel I have absolutely no obligation to them until they correct their mistskes. I do n't intend on paying them the more recent late fees as they have failed to produce a timely monthly statement as my other credit card companies do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I recently opened a XXXX XXXX XXXX through Barclays. I set it up for automatic payments. I then received a notice that my bill was past due. I called. Representative cancelled my past due charge and I authorized payment of the amount due which was about {$160.00}. He then set up payment for my next bill and said after that it would be automatic. On XXXX XXXX my account showed a payment of approximately {$3500.00}. Today my account shows a second payment of {$3500.00}. When I called Barclays to ask that they reverse the second payment they said my card shows a credit of {$3500.00} but they can not return it to my bank without an investigation which will take 7-10 business days. This is unethical at best. I want my money returned immediately. When the account was paid in full it should have shown a XXXX balance for the automatic payment on the XXXX. Clearly their system is flawed in many ways and should be investigated. I hope for a rapid fix to this situation.

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 04/13/2017 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Rewards

Complaint: I have been an American Express customer for more than 30 years. During that time I accumulated nearly XXXX Membership Rewards points. I have been working outside the United States for the past year and did not have an opportunity to use my American Express platinum card. When I recently checked my American Express account online, I discovered that my account had been cancelled " due to inactivity '' and ALL my Membership Rewards points had been rescinded. I called and wrote to American Express on several different occasions in the hopes of reinstating my account and recovering my Membership Rewards points, but all my efforts have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX said that they requested for this account to be removed because it was not my responsibility to pay. Medicaid said they are the ones who have to take care of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient can be summed up in a few words. Greedy and unhelpful. I currently make a majority of my payments and Navient has terrible customer service. For someone who is in sales, this is not how you treat customers. 

1. Constant calls to me and my co-singer ( Mother/Father ) for no reason and you do n't leave a message. Not to mention you come up blocked. 
2. Every time there is an issue you could call someone and then call back and get a completely different answer. No communication, I have had more frustrating calls then satisfied calls. 
3. Income-Based Repayment plan is absurd. You only take my salary into account, not any other debt ( living/bills/car payment/federal loans. That takes up more than XXXX my paycheck. Living expenses like eating and gym memebership. Gas and commute money ... All factor into my income. 
4. This is the most sensitive one. My parents are on the verge of retiring and are co-signers on my loans. I was told by multiple Navient employees that if I made " Two full years of payments '' my parents could be requested to come off the loan. I came thru on my part making 24 months of payments ( around {$850.00} ) a month. I was excited so I told my parents and they were ecstatic because they want to refinance and sell their house. But nope this company denies my request after I clearly met all the requirements. Because I owe them too much ... Mind you I just got a 25 % pay increase last year. They are impossible to work with. 
5. They never ever contact me to tell me I must submit a new XXXX tax form to see how much I made, putting my loans into late payment and causing interest to build. 
6. Some of my interest rates are 10 %, 11 %, and 12 %. How am I supposed to pay them back quickly with that rate? 

In conclusion I am just done with this company and am looking to refinance my loans with a private bank. I do n't mind paying for my debt knowing I got a great education. Why am I being punished or bettering myself with higher education? America needs a wake up call. Imagine if all of my fellow slaves to Navient could contribute the {$1000.00} a month we pay in Student Loans, imagine the boom in our economy. I would like to file a lawsuit against this company for negligence. They have failed to help me get a handle on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Auto) with Byrider Franchising, LLC (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am currently 12 days past due on my car payment. The day my car payment was due I called from a co-worker 's phone to advise my finance company of the exact date I would be able to pay. ( exactly 13 days from my due date ) I clearly informed my finance company that I was contacting them to keep them informed and I had no previous due balances. I informed them that I was letting them know so that no collection attempts were made. They are repeatedly calling my coworker, friends, and family to try to collect my car payment, and the day that I promised to pay has n't lapsed. Yesterday they called my coworker back to back 5 times in a row until she answered the phone and informed them to not contact her again otherwise she will press charges for harassment. They are embarrassing me to all of my friends and family and I 'm currently only 12 days late on my payment. This has also happened in the past when I needed to pay late. I 've never paid my bill later than 14 days past due. This is clearly harassment. They will text if no one answers the phone even after I 've requested to never be communicated via text. They are claiming to my friends and family that I have not communicated to them when I 'm going to pay, and they are stating that they are just trying to help me, however there is no help that they could give. I have asked to be switched to a monthly payment instead of a payment every 2 weeks, which would be helpful, however they are unwilling to do so. I am still planning on making my payment as promised however they will not cease with the embarrassing phone calls to my friends and family. I have requested that they never call my friends and family again in the past due to their embarrassing and harassing behavior and they continue to do so if I 'm ever late for a payment. I would understand the calling if I were months and months behind however they do this starting 3 days after payment is due whether I contact them or not. This can not be legal!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with Crow Creek Sioux Tribe (PA).
Issue: Struggling to pay your loan

Complaint: I took out a loan out of desperation - I was advised on the site that this was not a cheap way to borrow money but I was led to believe that I could make payments and pay it off over a short period of time - this was not the case. I called them and let them know I was having difficulty but they were still withdrawing money. I then tried contacting a negotiator - in XXXX my balance was XXXX - they kept adding exorbitant interest and in XXXX said I owed XXXX - but they would accept XXXX - the best they would accept I have continued to make payments but found out that in Pennsylvania it is illegal for this kind of interest. and that my state is going after these companies that try to avoid regulation by saying they only listen to tribal law.

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 07/22/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Credit decision / Underwriting

Complaint: I had applied to a Bank of America Home Equity line of credit. During the application process, when I entered in my data to the automated application, it permitted me to go up to 90 % of the LTV, and in my discussion with XXXX XXXX, I provided my information which would move the LTV value to 90 %. At no time did XXXX say anything was wrong with that issue. 

Today, while submitting paperwork, I find my HELOC was denied because Bank of America estimated my home value at XXXX. This estimate is a great deal lower then a XXXX estimate done a week before by a certified estimator. That is suspicious on Bank of America 's behalf. I was also told by XXXX XXXX # XXXX that despite what the mortgage company had on it 's web-site, they never go above 75 %. This is absolutely a bait and switch and an outright lie by Bank of America. I want Bank of America to be put to task for lying to consumers via their applications.

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 09/27/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This is not a duplicate, I 'm asking for Equifax to remove the late payments off XXXX account XXXX. It has been over 7 years from, the delinquency date which is XXXX 2009. 
I would like the late payments removed from the account, not remove the account as you seem to think I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (Credit card debt) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: RAUSCHENBERG, STURM, ISRAEL, ENERSON & Hornik LLP Is trying to collect a Debt that was settled with XXXX XXXX XXXX XX/XX/XXXX For XXXX Card XXXX XXXX XXXX Ive give information that debt was settled

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt collection agency is reporting wrong informatiom to my credit report. For one the date they reported the account was opened is wrong. They have also stated that they are reporting on behalf of XXXX XXXX which is false. I have a letter from XXXX XXXX which proves the statements are false as well as the dates reported. This company cant verify this debt because they have nothing in writing or nothing that I signed from XXXX XXXX as it states in the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Credit card) with Icon Equities, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX of Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from XXXX needed as my debts with XXXX were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach XXXX recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the Office of Attorney General, Commonwealth of Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : XXXX no longer has a legal right to collect under restrictive guidelines in the Commonwealth of Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, XXXX had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as Icon Equities , LLC and a debt collector named XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, claims that they are collecting a debt on behalf of a debt buyer named Icon Equities , LLC. There is no historical connection of a purchase of any debts from XXXX, XXXX, and my information was obtained by an illegal debt pooling process XXXX uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as XXXX XXXX XXXX XXXX XXXX XXXX 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the XXXX of dollars. I demand that my files must be purged by XXXX, Icon Equities , LLC and XXXX XXXX XXXX XXXX XXXX permanently. A follow up complaint will be submitted to the Office of Attorney General, Commonwealth of Pennsylvania within 30-days if I do not receive a purge letter from all XXXX entities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with SECURITY FINANCE CORP (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have a Man coming to my house saying they are going to have me arrested if I do n't pay so much to them on a loan from Security Finance Company of Tennessee. I am Filing Bankruptcy with XXXX XXXX Attorney of Law in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX XXXX my wallet was lost/stolen while in XXXX ( I live in XXXX ). My credit and debit cards were fraudulently used in XXXX XXXX and XXXX. I asked my banks, Chase and XXXX XXXX XXXX, to make ALL my credit and debit card purchases require a PIN. They said they do chip and signature only. Cashiers do n't ever look at the signatures. At XXXX though thieves could n't use my XXXX because it requires a PIN for all transactions. But, then they used a different Visa card and got away with the purchase. 
If a PIN was required, no purchases in a store could have been made and any purchases online could have been stopped before shipping. 
I do n't understand why this is n't standard. I know I 'm not 'officially ' out any money but the banks and the merchants are and those costs are passed on to the consumer. 
I want to be protected against fraud and have no means to protect myself because the banks wo n't honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid a charge off I had with USAA on my credit report through their third party collection agency XXXX. The payment was made in XX/XX/2018. I was told that the information would be updated to USAA within 10 days after I paid. Also, I was told that I would have to contact USAA for any future information on the status of the charge off. When I called USAA for a status update, I was told that no one is allowed to speak with their credit reporting department. The representative told me the only action I could take was to fill out their consumer report dispute form. After filling out the form and mailing it to USAA, the next month I called back to get an update on the dispute form. I was then told again by another representative that they could not give me any information, and to again fill out the consumer report dispute form. I still have yet to hear from USAA on the status of the dispute form I sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with DITECH which is a XXXX mortgage. It was first with XXXX Then it was transferred so many times without giving me a goodbye notice or anything. Now Ditech is stating that I owe them XXXX that is not accurate. I sent a validation request to Ditech as permitted under the law of the FDCPA. Ditech refuse to validate the debt. This is theft. I do not XXXX please help me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Army and Air Force Exchange Service (DE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I filed a dispute with the Army & Air Force Exchange Service regarding the date I opened my account. I asked for a copy of my application, but they ignored my request for a copy of my application. They stated that the delinquency was correct and I am disputing that the dispute date is incorrect and the date that I opened my account is incorrect. That is why I am requesting a copy of my application. Please see page 20 for the dispute information.

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 03/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient has begun making adverse entries in my credit report, falsely claiming that I have two accounts with them that are more than 120 days delinquent and that I agreed to pay them {$430.00} per month for 120 months. I never had any such agreement with this company and am not in default of any agreement with them. My credit score has plummeted by hundreds of points based upon these fraudulent reports to the credit bureaus. I am unable to have the adverse information removed from my credit file. From their entries they appear to be attempting to revive and collect on an almost forty year old purported student loan. I have no such student loans. Please help?

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a letter a few days ago stating that my acct went to collections, and is & gt ; 180 days late, yet this is the FIRST letter I receive. I did reply promptly when I received the letter, but they sent my account to collections. They stated that they had a incorrect address for me, until last week. I feel that this is a unfair collection practice, as they get a lump sum when a collection agency purchases the account. Please notice how they suddenly found my correct address when they decided to notify me they would be sending me to collections. Furthermore, they had my correct phone number, and never bothered calling it. My phone broke last week, but I 've had my # XXXX for years, and not once did they call me. ( I have screenshots of my conversation with the ECSI rep ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Student loan (Non-federal student loan) with Capital Management Services, LP (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Capital Management is servicing a loan that I originally received from XXXX that purchased the loan ftom XXXX. The loan is currently in default. I was contacted by Capital Management exactly once on the phone. Since that contact they have proceeded to harass the cosigner of my loan with repeated phone calls to her job. In addition to being spiteful and unnecessary the cosigner of my loan XXXX XXXX XXXX XXXX XXXX. Their attempts to humiliate my cosigner in front of her employer are shameful, but tying up the main phone lines of a public elementary school is just reckless. I 'm reporting this incident because the last time I was harassed by a student loan company I reported the incident to the Consumer Finance Protection Bureau and the harassing phone calls stopped within days and have not resumed in the intimidating fashion and frequency they did prior. The cosigner of my loan, my mother, needs your help as do the rmployees and students if XXXX XXXX XXXX. Please take whatever legal action is possible and necessary to hold Capital Management accountable for their intimidation.

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