milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2015 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Late fee

Complaint: I set up automatic minimum payments for all of my consumer credit cards in XXXX for automatic payments to begin in XXXX, XXXX of those accounts being a Barclaycard Account. My barclay payment was due on XXXX and on XXXX I received an email from them asking if I forgot my payment. I immediately logged in to my account to find out that my monthly minimum payment had not been made and as such, a late charge was accessed to my account. I made a manual payment and sent an email to barclay asking what happened with my auto payments. After 2 or 3 days with no reply, I called barclay. Not only was I concerned with the fact that the auto payment was n't applied, I was requesting that the late fee be removed as I felt this was their error. After waiting on hold for nearly XXXX minutes, the rep advised me that my auto payments were submitted successfully but they were submitted after my cycle end date, so they would n't begin until XXXX payment. I completely understand this, although none of my other credit cards do this, and apologized for the confusion. I asked if she would, out of courtesy, refund the late fee. She refused to do so because it was a " valid '' charge. I spoke with her manager XXXX who advised that she wold have refunded it already if she could, but the system wo n't allow it. I feel as if Barclay is taking advantage of me as a consumer by not readily disclosing their policies, especially when the differ so much from other companies. I should have received something from them letting me know my XXXX payment would not be paid automatically so I could have made the payment myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-07-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: On Friday, XX/XX/XXXX, I visited the Union Bank branch at XXXX XXXX XXXX, XXXX XXXX, CA. I have a HELOC with Union Bank, with a balance of about {$15000.00}. I approached the teller and stated that I wanted to write a check from my XXXX XXXX XXXX checking account for {$2000.00} and apply against my HELOC balance. The teller instructed me to write the check payable to " Union Bank, '' which I did. The teller processed my check and I left the branch. On XX/XX/XXXX, XXXX XXXX XXXX XXXX online banking showed that the check was cashed by Union Bank. However, I did not see that this check had been applied to my HELOC account balance at Union Bank. I called Union Bank on XX/XX/XXXX and after the customer service department contacting the branch manager ( XXXX ), I was told that the Branch Manager was aware of this check and that the {$2000.00} payment would be applied to my HELOC balance " the next morning '' ( morning ofXX/XX/XXXX ). However, this amount was not applied to my balance the morning ofXX/XX/XXXX, so I called Union Bank customer service again. They ( again ) contacted the branch manager ( " XXXX '' ) who told the customer service rep that they were not sure what happened to the funds. They refused to talk to me directly. Meanwhile, I am out {$2000.00}. 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 12/27/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I previously submitted a claim regarding Navient for harassment, unwillingness to work with me on a payment amount for my loans ( they wanted more than my rent monthly which I could not even remotely afford ), refusal to provide a payment plan in writing, refusal to keep to a payment plan discussed over the phone, and general belligerent and unethical business practices. I worked with XXXX XXXX to resolve this, which took months but it appeared to have been resolved with my only paying XXXX interest monthly. He promised to waive all the late fees and to provide me payment plan in writing, which was the prerequisite to me making the payments as they often up my payments and my interest without reason and without warning. After this conversation, I went to look online and once again they were trying to charge me more than was agreed upon, and they still had not provided me anything in writing. I have contacted XXXX multiple times since then to no response whatsoever. I would like them investigated again and would like a response, we well as the payment Plan in writing I was promised and my account restored to the payment plan agreed Upon, with late fees waved due to their complete lack of response to these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: LOOKING OVER my credit report and I SEE it has addresses that I never live at on my Credit report. I am requesting that you promptly update and delete addresses that I never resided. Please see the attached copy of my utility bill for your reference. Please update my current information to reflect THE CORRECT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX SS XXXX DOB XX/XX/XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM ALL OF MY CREDIT REPORTS:XXXX XXXX XXXX, XXXX , CA XXXX XXXX XXXX XXXX, XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX , XXXX , AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , AZ 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 non-monetary relief
Consumer complaint received 08/23/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted Equifax more than once to inform them that XXXX items on my credit report are no longer associated with me and need to be expunged from my credit file. The items are XXXX loans with XXXX XXXX XXXX XXXX. I co-signed the loans with my wife in XX/XX/XXXX. However, in XX/XX/XXXX, the debt was reaffirmed by my wife per XXXX XXXX, which removed me from any connection to this debt, just as the way a refinance works- the new loan terms replace the original loan terms. What happened was that XXXX XXXX hired a collection attorney to issue a confession of judgment and payment stipulation agreement to my wife. This reaffirmed debt has been in effect for more than XXXX years, but XXXX XXXX refuses to report the change to the credit bureaus, and Equifax refuses to conduct a proper investigation beyond verifying that I originally co-signed the loans. Attached is the acknowledged payment stipulation agreement from XXXX 's collection attorney that I provided to Equifax, and to XXXX XXXX and the other credit bureaus, so that they would take action and remove the XXXX loans from my credit file. Also attached is my correspondence to the credit union and the credit bureaus. XXXX is the only party who responded to my dispute by stating that they deleted the XXXX loans from my credit file. Attached is their response to my dispute with the appropriate results. Please investigate this matter of noncompliance on the part of Equifax. I am filing separate complaints for Equifax, XXXX, and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Prepaid card (General purpose card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Overdraft, savings or rewards features

Complaint: I was over fraft with bank of america for XXXX $ and they closed my account and also put me through the XXXX which will not allow me to open a regular bank account

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 01/19/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Nelnet reported my student loans as delinquent, when in reality, my university ( University XXXX ) failed to report my enrollment correctly, resulting in over XXXX negative marks on my credit score. Nelnet claims that my Enrollment Certificate is not enough to prove my enrollment for debt purposes, and though the fine print of the document says 'This document should not be used for loan deferment verification purposes ', I believe this is not an issue of deferment, rather it is proof that my loans should never have been due in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Rewards

Complaint: On XXXX XXXX I received an offer to upgrade from Gold to Platinum and receive XXXX reward points if I spent {$5000.00} within 3 billing cycles ( which I did ). I contacted AmEx to confirm this was the deal and even opened a ticket so that I had a reference in case the points were not deposited. ( Ticket XXXX ). 

XX/XX/XXXX comes and no points have been deposited. I called and asked a rep to inquire and they claimed to escalate the request because they were n't sure what happened and told me I would be called back. Never happened. 

On XXXX XXXX, I called again ( I have the rep name if needed ) only to find out the ticket was administratively closed with no commentary or follow-up. We worked for an hour to track down the bonus offer ID ( XXXX ) and the promotional ID ( XXXX ) associated with the offer and the rep confirmed she saw the original offer email on my account. She set up a new XXXX number and assured me I would be contacted shortly with a full resolution. Never happened. 

On XXXX XXXX I recontacted support only to find out that the ticket was closed again with a comment along the lines of " Closed due to Non-AmEx issue. No further research is required ''. I requested a supervisor. The rep put me on hold for 5 or so minutes while the supervisor researched my issue. She came back on and said that " Unfortunately your promotion was only for people who were applying for new cards. '' I corrected her and re-read the offer which is in the original email that it was specifically to upgrade from Gold to Platinum. She was confused and could n't understand why it was a problem in that case. She claimed to escalate it further but based on my experience thus far I have no faith that this will be handled properly or resolved to my satisfaction. 

I have been nothing but an excellent and loyal cardholder of AmEx for years and feel that I am getting the runaround in an attempt for them to avoid honoring what was a legitimate offer I immediately took advantage of. I still have the original email with the offer. I enrolled in a timely manner. I have confirmation from the original rep of the legitimacy of the offer. I have the promotion and bonus ID numbers matched to my account. Yet I continue to get the runaround. I am not asking for anything that I did not rightfully apply for or earn, I simply want AmEx to honor their marketing promotion commitment and deposit XXXX rewards points into my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Adler Wallach & Associates, Inc. (SD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Never received any notices or certified letters saying I owed this debt and found out it was on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit card () with WELLS FARGO & COMPANY (UT).
Issue: Unsolicited issuance of credit card

Complaint: In XX/XX/XXXX I financed an air-conditioner for my rental condo. It turns out that XXXX finances with Wells Fargo. 
On XX/XX/XXXX I received XXXX credit cards, XXXX in my name and XXXX in my husbands name. The heading states " We 're glad you 're our credit card customer ''. 

**I am NOT their credit card customer and never asked to be. I will be calling and canceling these credit cards asap!! 
I do n't even know if there is an annual fee or what the interest rate is.

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 11-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: this debt collector is calling me in excess of XXXX ( XXXX ) times a day from an computer assisted auto-dialer it looks like and it is very cumbersome

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (NJ).
Issue: Trouble during payment process

Complaint: I had a mortgage loan with XXXX  XXXX XXXX, in XX/XX/XXXX XXXX XXXX XXXX claimed I owed them escrow money regardless of all the proof I have sent them showing all my payments. In XX/XX/XXXX I hired an attorney to represent me and we went to court 6 times, each time XXXX XXXX XXXX failing to have any proof of there claims. While this claim was active, XXXX XXXX XXXX sold my mortgage loan to Seterus. On XX/XX/XXXX we went to court with XXXX XXXX XXXX and Seterus lawyers, and XXXX XXXX XXXX agreed that date that my mortgage loan should be in good standing and should be reinstated because they could not prove their claim against me and I came with all my proof of all my payments. XXXX XXXX XXXX paid almost {$30000.00} to Seterus for the false claim and to bring my account into good standing being that they made a mistake and I did not owe any money ( XX/XX/XXXX ). My first payment to Seterus was on XX/XX/XXXX and I have made every payment thereafter. In XX/XX/XXXX Seterus sends me a letter saying that I owe them almost {$10000.00} in escrow. This is the exact same thing XXXX  XXXX XXXX was doing. I have made numerous attempts to ask for an explanation and they can never provide one for me. I was supposed to refinance my house for a lower rate with another mortgage company, and I lost the deal because of this disaster. I told Seterus I want to close my escrow account and I want to pay my taxes on my own but they will not allow me to do it because my account is delinquent. This has taken such an emotional toll on me and my family, me and my wife are senior citizens on a budget who have lived in this home for over 40 years and we are now being discriminated against by Seterus because we are immigrants. They take complete advantage of our accents and play us for stupid. I have all the proof of all my payments, I am just trying to save my home, please help!

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 04/24/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CURO Intermediate Holdings (TN).
Issue: Charged fees or interest you didn't expect

Complaint: I obtained a loan and was not told they were charging interest daily in the application process, speedy cash ca n't use the word default because by law once they use that term they ca n't charge anymore interest. A statement was billed stating I owed  XXXX  and it needed to be paid because my account was in " default '' weeks later I get another bill for  XXXX  that I refuse to pay. The interest was never stated on any of my loan documents in fact she never gave me an estimated payment. Then I realized they do n't close until  XXXX   XXXX  eastern time but charged my account at  XXXX   XXXX  eastern time. I work in the same field and I pay my other loans but I refuse to pay something that 's not properly explained she never said they would hit my account before close and they go in and ac h 1 p ayment at different times in  one day ! More than twice I had to close my personal account at the bank because of this. Their location is :  XXXX    XXXX   XXXX     XXXX  tn  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery Associates has reported a debt that does not belong me. The debt was allegedly open on XX/XX/2016 for XXXX XXXX XXXX XXXX for XXXX. I 've never owned a XXXX XXXX card furthermore, I 've requested them to validate or remove this debt by certified mail initially in XX/XX/XXXX, and then again in XX/XX/XXXX. As of today they 've failed to do either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2016 about Bank account or service (Other bank product/service) with ARVEST BANK GROUP, INC. (OK).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2016 I bought a e-cig tank from an online merchant XXXX XXXX for {$32.00}. I used my Visa Debit card from Arvest Bank. The tank turned out to be defective. XXXX refused to take it back or issue a refund so, I contacted ( called the XXXX number ) Arvest about doing a chargeback. I then received a letter from Arvest cancelling the chargeback. No explanation was given. So, I called Arvest again and was told to return the item back to XXXX and get proof of the return ; send the info to Arvest and they would initiate a chargeback. I did that ; sent a copy of the USPS delivery confirmation AND signature of receipt to Arvest and was told that I would have my refund in 10 business days. This was on XXXX XXXX. After waiting 10 business days and seeing no refund I again called Arvest and was told it takes 30 days and that the merchant was disputing the chargeback. After waiting 30 days and still no refund, I again called Arvest and was told it takes 60 days. 

In the meantime, I contacted the Washington State Attorney General 's Office ( because XXXX is in Washington ) and they said they would see what they could do to get my money back. Yesterday, XXXX XXXX I received an email from the Attorney General 's office and XXXX told them that 1 ) my money had already been removed from their account as of XXXX XXXX, 2016 ; 2 ) Arvest told them in the chargeback paperwork that they were not going to refund my money and 3 ) they were not disputing the chargeback. 

So, once again I called Arvest and the girl who answered the phone said she would look into it and then the phone line went dead & I had a dial tone. So I called back and was told that she was on another line and would call me back. Well, obviously that never happened. 

I just want my {$32.00} back at this point. 

I am # 1 ) sick and tired of having to call the XXXX number and NEVER getting to actually speak to anyone in the dispute department. I am not even sure at this point that there is a dispute department. They do not speak to me on the phone ; they do not return my phone calls ; nor do they answer my letters. I even complained by letter to Arvest 's customer service and no reply from them either. # 2 ) I am tired of being told a different story every time I call and ask about this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This is written in reference to Experian Credit Reporting Agency. I feel my federal rights have been violated in regards to Credit Reporting. I intend to file charges against this company. The lawsuit will be filed due to the utter lack of response from the company. When someone is a victim of wrong information being put on their file, it is simply a nightmare trying to get inaccurate/ misleading information removed from a credit file. I have contacted all of the creditors in question listed on my credit file. I have challenged all of the creditors in question listed on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each creditor in question and demanded proof that the accounts listed on my credit file contains the accurate information, such as date open, original credit limit. Documents with my signature constituting obligations that is have entered into business with them etc. I asked for proof of the alleged debt from each creditor. So fsr none of them has been sble to provide such proof to me. I have sent follow up letters to each of them and there is still no proof. I have attempted XXXX contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rrights in this matter. Under the doctrine of estoppel by silence, XXXX v. XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt can be validated. Which leads me to wonder, hope is Experian stating accounts are " verified '' on my credit report. The letters I receive from Experian states accounts " verified '' but this is not true under law. Simply contacting the alleged creditors and asking them to match up numbers in their database is not a sufficient verification. Now I am prepared to sue Experian for being such as pain in the posterior to me. I provided more than enough proof to havr accounts in question removed.

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 10-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX representing a seller involved of the short sale of th their property. The second lien holder ( a member of the HAMP and HAFA ) program is refusing to approve acceptance of the short sale with the amount of {$12000.00}. afforded to them by the first lienholder in compliance with HAFA rules. Instead, they are using this as an opportunity to collect a debt for much more than that ( {$41000.00} ). 
I have written them and talked to them on several occasions and they have advised me that the loan has been charged off. In my point of view, they are in violation of HAFA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (AL).
Issue: Problem with the payoff process at the end of the loan

Complaint: Called company regarding the loan, no information has been provided regarding the sale of the vehicle.

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