milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Closing/Cancelling account

Complaint: Sometime in XXXX I applied for a Barclay XXXX XXXX card. For some reason I was initially declined, which was very confusing to me because I had never been denied credit so I called them. They explained that for some reason a credit check was never made and the CSR pulled my credit ( after asking my permission ) and approved me for the credit card. This was around XXXX XXXX. I received my card and put some expenses on it. This card had a signup bonus and I nearly reached the spending threshold with this first bill. Then, for a reason that BARCLAY REFUSES TO EXPLAIN, they cancelled my card. Noone will explain why my card was shut down but I believe this was because it was an easy way to save them the {$440.00} signup bonus ( which they claim I 've forfeited because they 've shut me down. ) This is total XXXX. While I understand that they have the right to choose who they allow to have their card, they have no right to bait me to sign up for credit ( causing an inquiry on my credit report ) only to immediately shut me down without explanation and to seize my points. These points are as good as cash so I view this as they stole from me!

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Credit Card was open by Fraud back in 2017. I have sent 3 request to all 3 Bureaus, Experian, XXXX and XXXX to have this deleted from my credit reports, Per Bureaus waiting on response from XXXX XXXX XXXX and will initiate removal. Please delete record on my credit report, this is affecting my ability to close on my house this month due to this incorrect and erroneous reporting for a card opened by Fraud.

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 06/23/2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: my loan has been serviced by flagship credit, and I never receive any statements or email statements, i just send a payment. i do n't even have access to there online account portal, and never have had any access. I like to know where my money is going, i 'm forced to pay my payment by XXXX XXXX. I believe im being taken advantage of, and am not getting the treatment i feel i should get. i 'm only asked to pay and no disclosure of my fees my interest rate, nothing. i 've paid thousands upon thousands of dollars and no trace.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: department of XXXX XXXX department of XXXX  XXXX department of XXXX XXXX department of XXXX XXXX department of XXXX  XXXX department of XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As of Tuesday, XX/XX/2017, EXPERIAN is still knowingly and illegally reporting a debt of {$640.00} to XXXX for XXXX XXXX LLC. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX 

I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$640.00} ) that is : ( XXXX ) paid/settled ( XXXX ) old, obsolete and out-of-date ( XXXX ) over the Statue of Limitations ( XXXX ) time-barred ( XXXX ) used to intimidate ( XXXX ) purposely omitted date ( s ), time, purchases and amounts.

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 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: After reviewing my credit report I found a collections entry from Stellar Recovery Inc. in the amount of {$340.00}. I have made multiple attempts to contact Stellar Recovery to seek verification for the amount and to settle the debt. I have completed their webform requesting information, and I have tried calling their posted telephone number. The webform submission has not yielded a response and the phone number is directed to an extension with a mailbox that will not accept messages. Stellar Recovery has continued to report to 3rd party credit bureaus that the account is in collections, but have made it impossible to settle the debt. This tactic has a detrimental impact on my credit score and must be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (VA mortgage) with United Military Mortgage, LLC (CA).
Issue: Credit decision / Underwriting

Complaint: I received a non-compliant marketing piece asking if my rate was higher than 2.25 %. There was no disclosed APR in the advert and nothing to indicated the loan they were offering as a refinance option was anything but a fixed rate mortgage. I would like to hold them to their disclosed offering of 2.25 % on a 30 year fixed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX deleted my chapter XXXX after i put in a complaint with cfpb then put it back on my report after

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 04-10-2017 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I had mailed XXXX checks, dated XX/XX/XXXX, for my house payment and the {$.00} claiming that I was short of XXXX cents. 
The checks are # XXXX {$240.00} house payment and check # XXXX for {$.00} cents. I contacted a male rep and indicated that both checks were not in the system. 
This servicer has been problematic since, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from. I had previously disputed this account. I have never done business with COMMONWEALTH FINANCE # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt COMMONWEALTH FINANCE purport I owe. I request that COMMONWEALTH FINANCE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that COMMONWEALTH FINANCE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with FAIR COLLECTIONS & OUTSOURCING, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have had a delinquent status on my credit report for almost seven years and have heard that these types of things will be removed after a specific amount of time. I was wondering if I can have it removed off of my report. The delinquency is related to an apartment I had shared with someone who I am no longer in contact with and am unable to receive money from, not to mention the amount owed was doubled from what it originally should have been and I am unable to afford the ridiculous amount owed to it and they will not work with me on what I can afford. I have been declined for things through out the past 6 years because of this delinquency ( also the original owners of the apartment complex are not even the owners anymore ). I have been trying to rebuild my credit history but am unable to raise my score based on this XXXX delinquency, please help me in removing 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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Time after time I have submitted a dispute about a fraudulent account on my credit report from Transunion about XXXX XXXX. I have disputed and had the account removed from both XXXX and XXXX but Transunion fails to remove the account no matter how much I try. The account was unable to be verified through XXXX and XXXX which is why it has been removed. I need this account removed from Transunion ASAP as it is hindering me financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: We are in a DESPERATE situation and need help fast please! My wife and I are supposed to close on our new home on Tuesday XXXX/XXXX/17. On Thursday XXXX our mortgage company pulled my credit to submit for final 'clear to close ' to underwriting, and the score was XXXX points lower than it had been before, and no longer eligible for the loan approval. Unbeknownst to us, a cable bill debt that IS NOT VALID and was disputed and DELETED back in XXXX, came back onto my report and tanked my score. I immediately called the collection company, showed them proof of the deletion and they submitted a " manual deletion '' and gave us a deletion number and a letter saying it is deleted. I then called Equifax and gave them the deletion number. They said there is nothing they can do for up to 75 days. We are unable to close on our home until this is GONE from my report and my score returns to normal. Meanwhile we have sold our home and must be out by the end of the week! My family of XXXX with XXXX young children will be homeless unless this is resolved and we can close on our loan. PLEASE HELP US get this error on my report removed!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Walmart claims that I have two accounts ... one that has a debt of XXXX and XXXX. I have one Walmart card and it was stolen. I do not owe this debt nor do I have two accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (DC).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015 - RushCard notified me and other members to remove any funds from our accounts on Monday. Being as though I had no money in the account I disregarded the matter. My job would n't have posted my XXXX XXXX until the Following Friday, so in my mind there was no need for me to worry. 

XXXX XXXX, 2015 - RushCard posted my pending deposit to my account in the amount of {$1200.00}, but I was unable to access my funds because the card the money posted to was stolen. I tried to transfer my funds to another account, but system error messages on both the RushCard mobile app and website prevented me from doing so. 

XXXX XXXX, 2015 - I have tried to call RushCard several times about this matter and was told to provide my name, number, address, and someone will contact me. 

XXXX XXXX, 2015 to XXXX XXXX, 2015 - XXXX XXXX reached out to me via XXXX and told me to provide my name, number, and address and someone would reach out to me, I have called the customer service line and was told that same information days to follow, and I still have not received an answer. Every time I call now and request to speak to a representative the call disconnects. The website and the mobile app is still not working. I have not received no answer on when and how my issue will be resolved as of today XXXX XXXX, 2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Account opening, closing, or management

Complaint: A year ago, my financial advisor of 25 years left Merrill Lynch and went to XXXX. He told me XXXX would not accept the transfer of my account because I resided in XXXX. Merrill kept the account and last month send me a letter saying they were closing it in 30 days ( actually 3 weeks from my receipt of the letter ). I sought an extension until XXXX XXXX and they concurred. The account includes my IRA, etc. I have spent the last month trying to find a bank where I could transfer the accounts. XXXX, XXXX XXXX, XXXX, etc. have all refused. I have no idea what to do with the IRA. I take minimum annual withdrawals. I am a US citizen, a retired senior XXXX. I vote in the US, pay US taxes and receive social security and a XXXX pension.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX  regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) XXXX ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) XXXX XXXX XXXX XXXX ( someone stole the car ) And XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I just pulled up some info XXXX and noticed a company called, XXXX that has me with a balance Of {$1100.00}, from 2011, I have no idea of such a debt, and believe this is definitely an error.Thank You I really do n't use computers enough to do all the upload requiring, sorry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Account opening, closing, or management

Complaint: Dear CFPB : The ONLY Bank of America office and ATM in XXXX closed its doors recently ( XXXX ). The sign on the door instructs us to go to XXXX of SEVERAL locations in XXXX County. So now we have to travel many miles outside the county to go to the bank. The officer, XXXX of the B.O.A. in XXXX I complained to explained the XXXX County BOA did not have enough customers to justify keeping it open. Even their brand new Automatic Teller Machine ( ATM ) was gone. That area is booming, so that excuse does n't hold water. Given the willy nilly nature of BOA 's " Here one minute and gone the next '' attitude, it is obvious our State or Federal banking regulators are cutting ( them ) too much slack. We 've been BOA customers for many many many years and the notice taped to the bank 's front door is an insult - IT DOES NOT MATTER WHAT BANK OF AMERICA 'S EXCUSE WAS. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Medical) with Mountain Land Collections, Inc. (UT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have n't received any letter regarding my payment and directly sent to the collections.I noticed after almost a year on my credit report that I have a collections and called Mountain landing collections and paid the amount which was said that owed.Now after almost a year later I see still XXXX $ on XXXX saying that I owe.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Credit line increase/decrease

Complaint: After agreeing to XXXX automatic payment withdrawal from my checking account, and after paying off my credit card balance with Discover Card I received an email stating that my credit line was being reduced and that my account would be closed within 30 days of receiving the email letter. My Discover Card account was opened on XXXX XXXX, XXXX and was in good standing with the exception of XXXX 30 - 59 day late payment in XXXX XXXX. After viewing my XXXX and XXXX credit reports, I saw that Discover Card had purposely deleted XXXX years of positive credit reporting for the years XXXX, XXXX thru XXXX XXXX on XXXX credit bureau report and the years XXXX, XXXX thru XXXX XXXX on the other thereby making my credit history look much worse that it actually is, which seems to be a common practice with credit card issuers at the present time. Discover will also be reporting the reduction of my credit line shortly and will follow-up by closing the account in another 30 days thereby manipulating my FICO to be even lower. My credit card account with Discover was past due XXXX time in seven years, and I do n't see how they could possibly perceive that as a bad credit risk to them and them alone. My FICO score has been manipulated in the same way for the same time periods for multiple credit card issuers, and I will be submitted individual CFPB complaints on each and every one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Payday loan) with Delray Capital, LLC (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I received a call from XXXX on XXXX XXXX claiming to be a process server that was going to serve me for a debt I owed and to provide XXXX forms of ID. If I had any questions to please call an XXXX phone number. When I called the number I was told that they were an arbitration group working with the state to work with me prior to going to court. If I could pay {$800.00} now ( over {$500.00} more than I had taken a loan for ) they would place a stop order on the summons and I would n't have to appear in court. I panicked and agreed to a payment arrangement under the assumption that this was actually a company working with the state dept. However, I did some research later in the day when I realized that the charge was coming from a Delray Capital and not the arbitration group they claimed to be. Also in the email they sent to me after the agreement was in place I saw at the bottom of the very official looking letter that it was actually a collection agency. I had been lied to multiple times in order to scare me into paying.

Company response to consumer: Closed