milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2017 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: APR or interest rate

Complaint: Ordered card from Barclay MasterCard being told that the $ XXXX annual fee would be waived for XXXX Just received a letter that next month they will charge the fee despite being told that they would waive it. I would n't have an issue if they gave a year from the notice or would charge when the card was up for renewal but less than two months to pay off the balance or be forced to pay something that I was originally waived? Does n't seem right to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: CAP ONE AUTO There are 3 late payments that I would like removed - XX/XX/XXXX {$310.00} - XX/XX/XXXX {$310.00} - XX/XX/XXXX {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE APPLIED FOR A HARDSHIP ASSISTANCE WITH MY SERVICER BANK OF AMERICA AND THEY HAVE DENIED ME STATING THAT THERE IS NO HARDSHIP. MY INVESTOR IS XXXX AND I HAVE GONE TO THEIR WEBSITE TO VIEW REASONS FOR HARDSHIP AND THE GUIDELINES TO SEE IF I CAN APPLY AND IT CLEARLY STATES INCOME REDUC : " Eligibility You may be able to modify your home loan under one of the programs we offer if all of the following apply : You 're experiencing a financial hardship, such as a reduction in income or an increase in your mortgage payment '' I HAVE APPLIED AND WAS DENIED DUE TO NO HARDSHIP, I REAPPLIED BECAUSE THAT IS NOT TRUE AND THE UNDERWRITER STATED THAT THEY WILL NOT REVIEW MY FILE BECAUSE I HAVE NO HARDSHIP. FIRST OF ALL BANK OF AMERICA IS ONLY MY SERVICER NOT MY INVESTOR, WHO DO THEY THINK THEY ARE TO TELL ME WHAT MY INVESTOR WILL OR WILL NOT DUE. SECOND MY INCOME IN XX/XX/XXXX WAS {$XXXX} " TAXES PROVIDED AS PROOF '' AND MY INCOME FOR XX/XX/XXXX WAS {$XXXX} " PROVIDED XXXX AS PROOF ''. IT IS AS CLEAR AS DAY THAT MY INCOME HAS DECREASED {$XXXX} FOR THE YEAR. THAT IS PROOF I AM EXPERIENCING A FINANCIAL HARDSHIP. HOW DARE BANK OF AMERICA TRY TO VICTIMIZE ME FOR ANY REASON, I WILL NOT GO DOWN QUIETLY AND LET BANK OF AMERICA BREAK LAWS.

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 12/22/2015 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Closing/Cancelling account

Complaint: According to the letter states We 're sorry to tell you that we will be closing your Barclaycard XXXX XXXX Card account for the reason outlined below. All cards issued on your account will expire on the last day of this month and new cards will not be issued. 

Balanceon this account is too high.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I requested the investigation and re investigation of mis reporting or any state and federal violations per XXXX compliance on accounts listed on my credit report. The credit bureau responded that they have in fact verified ALL accounts with the creditors and that EVERY account is reporting ACCURATELY. When contacting a few creditors myself, I have learned that they did not furnish any information to the CRA and have not verified any accounts. There are also errors within terms, statuses, etc. It is the responsibility of the CRA to make sure everything they report is accurate, verifiable, and 100 % Valid. They are reporting incomplete information? Is n't this illegal. Why am I asked to provide information if I myself made the request. I have been trying to get this all worked out for a few months now and to no avail. I had no choice but to file this complaint. It is preventing me from moving forward.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/X/2017 ( documents attached). Come to find out that the last 2 payments made of XXXXXXXX on XXXX XXXX and another for XXXX a week after that (receipt of payments with confirmation # s uploaded)  XXXX-XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of XXXX! This is after 12 changes they made within  months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!

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 01/26/2017 about Debt collection (Credit card) with Continental Finance Company, LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They called me on XXXX/XXXX/17 @ XXXX I answered they hung up, then they called my mother in law who lives 4 hours away and is very sick, she calles me and I told her that i would handle it. I got home at XXXX and called XXXX @ XXXX they transferred me some where else that took forever for someone to answer and then this lady came on the phone. She was rude, her dog was barking in the background, she never told me her name I asked three times who she was. she told me that I needed to pay this amount now or they was going to take me to court and get everything I owned if not jail. I explained to her that I could n't right now and I wanted to know how the debt had gone from XXXX to XXXX and I paid XXXX on it in XXXX she said they have higher rates and I should have known that when I started the card. I told I would ot be able to do it and I and she said that I wasnt hurting her if I did or not. I told her I was not trying to hurt her, but I needed to look into this. now at the first of the call I asked her to stop calling my mother in law and so after I told her that I was not going to set up payment arganments with her she hung up on me while I was still talking. I noticed that the phone was still on so I told my husband what was going on and that I was going to talk to an attorney. Then I hung up. My cell rang again and it was her she was yelling at me telling me that I was not my husband and I was going around getting credit cards in his name she was accusing me of theft and she was going to call his job and boss to inform them about us. she called me a XXXX and told me I needed to learn to pay my bills she then hung up. Then my husbands cell rang and it had a different number on the caller id so i answered it she told me that she had recorded everything and was going to give it to the client and sue the XXXX out of me. I told her that was fine and I was charging her XXXX a minute for harassing me and my family. She said go ahead I 'm sure you can find me like you find the money to pay your bills and she hung up.

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 01/29/2018 about Student loan (Private student loan) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Since XX/XX/2017 I have been in contact with AES to inform then that I am in school. They made minimal effort to properly inform me of information about my loan. Every time I have called I've given new information. When I spoke to someone in XX/XX/XXXX they said they sent out an in-school deferment form for me to sign, which I did not receive. I called to ask them to send it again earlier this month, they told me that I should've received it in my electronic inbox instead of by mail and that they would be sending it again that way. A few days later I receive an email stating I am not eligible because my account is in delinquency. I haven't made payment because I have been under the impression that my in school deferment would be rightfully instated, just as it has with XXXX. I contacted them again early last week and they told me that my school never submitted enrollment verification with the XXXX XXXX XXXX. I call the school who provides me with dates in XX/XX/XXXX that they have submitted my enrollment verification. This prompts me to call the XXXX who provides me with all of the dates starting in XX/XX/XXXX that they provided AES with verification of my enrollment. Throughout my multiple calls to AES over the week they give me varying excuses as to why I they can't provide me with in school deferment until finally a manager calls and tells me this morning that it's been five years school my loan has been disbursed therefore making me ineligible for in school deferment and I am out of options. I am distressed by how ineffective everyone I've spoke to has been since my contacting them in XX/XX/XXXX, and my credit score has dropped. Currently I am in a XXXX XXXX XXXX XXXX XXXX program and had I known that I was ineligible for in-school deferment back in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth, I would have found a way to make the payments back then so my credit score would not have dropped and my account wouldn't have been in delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: After sending a certified written letter asking for validation of a debt, the company started nuisance calling relatives. Repeated phone calls with no one responding when the phone was answered.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NH).
Issue: Credit card protection / Debt protection

Complaint: My ex-wife opened up a credit card in her name on my account AFTER the divorce have been already finalized. She charged {$2500.00} on my account which she signed in her name on all of her charges without my approval to any of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/15/2016 about Debt collection (I do not know) with Arnold Scott Harris, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received repeated automated phone calls ( robocalls ) for several months from a company that identifies itself as the Law Office of Arnold Scott Harris PC, debt collectors, and asks to be called back at XXXX. The calls originate from XXXX. The message does not state any name of the supposed debtor. I do not owe anyone any money and I want the calls to cease. Posts on the internet from other victims say this is a scam and that the Illinois Attorney General has declined to prosecute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Midland Funding LLC started attempting to collect a debt in 2014. They claim I owed them {$1200.00}. They are reporting this on my account plus adding interest they have also stated they will be levying my bank. I have never had an account wit this company. I called Midland Funding 4 times in the three months to attempt rectify the situation to no avail. Every time I call them they are saying that their court officer, XXXX XXXX is handling the case and they have n't been able to contact him. I have not been able to contact him either and I 've tried calling several times. His account is having a very negative impact on my credit. It prevented me from obtaining a home mortgage and I 've called them and explained to them that I needed to take care of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Filed previous case regarding Bank of America Home Loan # XXXX does not respond to the consumer regarding lending practice, and or questions protected by the Truth in Lending regulations and the standard Federal Reserve policies. Again the same issue as the XXXX previous complaints is each time the bank responds to our requests for information the specific questions asked are not addressed. Then when that is pointed out via certified mail the bank sends letters for a while with a new Resolution Specialist each time extending the date a resolution should be received. So they acknowledge there is a valid issue to address but they need more time. Then the same as the entire process with the mortgage sold from Countrywide and was a bad loan Bank of America has not responded to modification documents for four years on and off. They have lied in writing and on the phone on notified recorded calls. Again the last response was dated XXXX XXXX, 2016 copy attached to this complaint stated a resolution would be received by XXXX XXXX, 2016. That date has come and gone. There has been another XXXX documented and recorded phone calls and certified mail requesting an update. All have never been responded to. If I have to file multiple complaints for the same issue that there is no promised response from my lender this system is not helping the consumer. I have filed a complaint with XXXX XXXX XXXX, my Senator and Congressman and the Federal Reserve as well as the Attorney General. I am feeling that the Bank would get better response and assistance by this process.

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 11-06-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (MN).
Issue: Struggling to pay mortgage

Complaint: On XXXX/XXXX/XXXX a letter was sent out to me advising me that I was denied a loan modification. The letter stated that I was evaluated for mortgage payment assistance based on eligibility requirements of Fannie Mae. I wasnt told which options were reviewed and I was not told which eligibility requirements I didnt meet. My HUD approved Housing XXXX called Loan Care at XXXX on XXXX/XXXX/XXXX to discuss the evaluation of my mortgage foreclosure alternatives as XXXX XXXX advised we do on the denial letter. Upon calling the XXXX XXXXXXXX spoke with XXXX XXXX ID # XXXX, whom said that she didnt see why exactly the loan was denied for a modification. She said that she would have to have the underwriter call the XXXX XXXX back with an explanation. 
On XXXX/XXXX/XXXX my XXXX XXXXXXXX called back, as she had not heard back from the underwriter. She called the loss mitigation number listed on the denial letter of XXXX, which is supposed to be a dedicated Loss XXXX XXXX line. However, the line was somehow routed to customer service, which then was routed to who knows where and the XXXX spoke with XXXX XXXX # XXXX. XXXX stated at first that she wasnt sure why it was denied either, but upon further investigation she stated it was denied because the financials didnt match up. She said that possibly my bank statements didnt match up with my expense statement, but again could/would not actually confirm if what she was telling my XXXX was the actual reason for denial or her assumptions. She said that the income listed on the XXXX was less than what they calculated, but she could/would not tell the XXXX XXXX XXXXXXXX what or how my income was calculated. As things escalated with XXXX she stated that she didnt need to tell my XXXX XXXXXXXX why it was denied at all. XXXX stated if we didnt agree with the denial that we should write an appeal letter stating that we appeal the denial. She said it doesnt matter why we dont agree with the denial, just that we dont agree. She said that it would then be reviewed again. 
The issue I have is that I was not given a proper list of what XXXX XXXX options were reviewed or why I was denied these options. I was told to just appeal the denial even if I dont know why I am denied. I will write an appeal, but I dont even know what my reason is for appealing. I dont know what barriers I need to overcome, if any, to qualify for a loss mitigation option.

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 12/18/2017 about Debt collection (I do not know) with Direct Recovery Services, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received several calls from this company, Direct Recovery Services claiming to take " legal action '' against me. After speaking to a rep named " XXXX '' I told her I did n't want to discuss this and I terminated the call and she immediately called me back telling me that she needed to verify who I was and needed more information. I advised her that she was not allowed to call me back after I hung up on her because she was with a third party collection agency. She kept stating she needed to verify the info, I advised her that I would submit a complaint and she did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 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: Account status incorrect

Complaint: I visited XXXX XXXX XXXX & got a loan through XXXX for a vehicle in XXXX. InXX/XX/XXXX I totaled the vehicle & my insurance company paid out XXXX. This is currently showing on my credit as being reported late with a XXXX balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OK).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Citi di d not credit my account with the  XXXX   ThanYou  reward points I was promised for opening a new ThankYou Preferred credit card and meeting  minimum spending requirements back i n 2014.

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 03-01-2017 about Debt collection (Credit card) with MERCANTILE ADJUSTMENT BUREAU, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Other debt) with Coast to Coast Financial Solutions, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Coast to coast has a negative remark on my credit report. I just paid off that account, via   XXXX   XXXX  . It was written off and sent to coast to coast, previously.. I am NOT paying the same bill twice. This account needs to be removed from my credit report. I can forward any proof necessary, as to show that the bill is paid off. On my credit report it shows it was opened in  XXXX  or sent to coast to coast,   XXXX   XXXX   actually informed me that this account was written off back in  XXXX  of   XXXX  . Coast to coast has it written on my credit report, that it 's been recently opened in  XXXX  of this year. That is false. I want this removed immediately, as it 's paid off. Or i will seek legal action. I am attempting to repair my credit report,  one bill at a time and this needs to disappear off my  credit report.   XXXX   XXXX   has reopened my trash removal service. I 've asked to have this negative remark, taken off my credit report, and they refuse to do so. It 's also really hard to get hold of a representative from the actual company COAST TO COAST. Any mail automatically goes to a   XXXX   XXXX    which tells me that this third party debt collection agency could be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I did not authorize an inquiry by XXXX XXXX on my credit report and Experian shows an inquiry by XXXX XXXX on my personal credit file. Experian refuses to delete or allow me to dispute the inquiry. 

This is a conflict of interest. Experian allowed their client to check my credit. I did not authorize and did not provide anyone with my XXXX. 

I spoke with the following : XXXX Supervisor, Special Services - 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