milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/20/2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Customer service / Customer relations

Complaint: I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, XXXX. 
As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Debt collection (Medical) with Automated Collection Services, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by this company about this debt that I do not owe. At the time of the services provided I was indigent and this account should have been filed under my states indigent fund therefore alleviating me of the obligation

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Payday loan) with Alliant Capital Management LLC (IA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I answered a call on XX/XX/XXXX from the Alliant Capital Management. Upon answering they had me verify my name, address. They asked about my employment because they had paperwork to deliver. Then we got into the debt call. They stated it was going to go to " litigation '' several times if I did not settle. At this point I still had not been notified of the call being rerecorded or not ( at the end of the call XXXX XXXX stated parts of it might have been recorderd ). 

The orginal debit is from XXXX a payday loan service for {$2500.00}. 

They keep referring to XXXX XXXX XXXX as who will proceed with litigation. They are also stating my employer is collateral on this. 

Contact info for Alliant Capital is XXXX XXXX XXXX is one of my account reps. 

I offered {$700.00} for an on the spot settlement and it was declined. They are getting aggressive and bullying.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Fraud or scam

Complaint: Paypal / XXXX has accepted and listed my bitcoin products to be sold on their website on the XXXX/XXXX/XXXX. 
My item was listed as NON-REFUNDABLE as it is a digital currency, after being sent to the buyer, the transaction can not be cancelled/reversed. 

I listed for a total of XXXX $ in digital currency. 

Every buyer ( 6 in total ) contacted me personally by message on ebay to provide me with their Digital Wallet address ( like an email address, to send the digital product ). After getting confirmation of purchase from ebay, paypal and the buyer, I proceed to send the bitcoin. 

The next day, I received emails from paypal telling ALL ( clear pattern here ) buyer report an 'Unauthorized Transaction ' saying their accounts were hacked.
I am not responsible for ebay/paypal ( same company ) having their data leaked and making it possible for  hackers to scam and extort sellers like myself so easily. 

Paypal has closed my 'Dispute case ' in favor of the buyer. At this point I have lost my product, and they are asking me to refund them. In other words, I have lost XXXX $ worth at the moment of product, and now they are asking me XXXX $ to refund the buyers. 

It is a common discussion online that buyer are abusing XXXX/paypal policy on refunds in order to steal digital products. Buyers simply have to claim they have been hacked. This seems to be what is happening to me and my business. 

Paypal / XXXX is responsible for their security leaks, they market their products as 'PayPal is the faster, safer way to send money, make an online payment, receive money or set up a merchant account ' but clearly they are extorting buyers from their products and money in favor of hackers / scammers.

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

Complaint: My entire life is tied to my social security number which was handled with improper care by Equifax. I consider thier negligence which lead to this breech to be pretty serious. Equifax has no business handling confidential information and I had no choice in giving them my most crucial personal information in order to be part of society to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (RI).
Issue: Problems caused by my funds being low

Complaint: I have been diligently trying to close out and reopen an account that has been compromised several times first by Debit Card now by ACH. I opened an ACH claim sometime ago and the fraud issue was resolved. I was told the account was to be closed but that never happened. After trying to open a new account I was told that because of the excessive overdraft ( which was caused by fraud ) I was not able to open a new account but I could keep the compromised account open. Since then my account has yet again been compromised. I spoke with someone in the CEOs office today whom was supposed to handle the issue however she continued to push blame and offered no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I know that my rights are being violated. I 've been disputing accounts that I know are either inaccurate or do not belong on my credit report and not only am I receiving statements that these have been " verified '', but my proof of said inaccuracies are being ignored. 

I 'm sending proof to Equifax that they 're reporting accounts that are listed as " unknown medical collections '' and they have failed to verify, identify or remove them. How are they legally verifying these accounts without having the identification of the creditor? It 's my right to dispute with the creditor directly and if they are refusing to provide that information, then that is a clear violation. Not only that, but one of the accounts were removed and then reinserted without any notification as required per section 611 of the FCRA. ( see attached letters which explain everything ). 

I 'm perplexed as to why I 've received statements that there will no longer be any investigation into accounts that I know do NOT belong to me. Per Congress, the CRA 's can not just state that the creditor said that the name, date of birth, address and social security number match mine. That is not legal verification and the only form of which would be firsthand knowledge - having the docs in their possession. If they had that information, they would have sent it over to me inconsideration of the fact that I 've been disputing these since XX/XX/2016. I either need to see the documentation or they need to be removed, as the XXXX do not belong to me. The only items that allowed to be on my report are those in which there was an agreement to pay or owe the debt. I did not owe to pay or owe these debts and they need to come off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Today I purchased my  credit score and  report from TransUnion via online and also included in the purchase was the same information from   XXXX   and  XXXX . There was a major discrepancy in the scores at which point I contacted TransUnion customer service and was informed t hat the credit score I pur chased was not the same program model use bye their customer service representatives when you call them directly! This lead me to realization that the score I am paying for is not the score TransUnion reports to credit lenders when they inquire about my credit history so why is it being sold to me and allowing me to believe this is what my credit worthiness is being judged bye! I also recently refinanced my mortgage in   XXXX   and I received a letter from my previous mortgage company that my  credit score thr ough TransUnion was some  XXXX  points lower than what was shown to me at that time which lead me to not be able to get a better rate moving forward in my refinance!

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 05-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RFNA, LP (MS).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I cash a loan check that I received in the mail. I lost my job & did not make a payment on the loan. My daughter deposited her federal income tax & state tax check into my account. The finance company from which the check was from won a garnishment on my account & withdrawl the money from my account which was my daughter 's money. What r her rights?

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: MY MORTGAGE LENDER IS CLAIMING FEES THAT ARE WRONG AND THEY CAN NOT PROVE ANY REASON FOR THESE FEES OF {$2000.00}!!!!! 
I had major financial hardship about 2 years ago which led to income reduction and lots of financial problems. I fell behind on mortgage payments XX/XX/XXXX. After a few months I applied for mortgage assistance and my loan modification was approved by the lender RESIDENTIAL CREDIT SOLUTIONS ( RCS ) XX/XX/XXXX. This new modification plan brought my mortgage current and all the past dues were added to my principle balance. Loan documents that I signed XX/XX/XXXX clearly stated that As of the date of the modification approval my loan became current, and the new plan started with the monthly payment of {$3200.00} which included property tax too. 
LATER ON, THE LENDER SOLD MY LOAN TO ANOTHER COMPANY ( XXXX ). AFTER FEW MONTHS THE NEW LENDER STARTED CHARGING NEW FEES AND CLAIMED THEY HAD PERFORMED CERTAIN SERVICES FOR THESE FEES, BUT THEY DID NOT KNOW WHAT THESE SERVICES WERE!!!! 

AFTER MY REPEATED CALLS AND OBJECTIONS THEY STARTED GIVING ME CONTRADICTORY INFORMATION ABOUT THESE CHARGES. ONCE THEY SAID THESE FEES WERE BECAUSE THEY INSPECTED MY HOME SINCE MY HOME WAS ABANDONED!!! WHICH WAS A TOTALLY FALSE CLAIM!!!! 
THEY NEVER DID SUCH AN INSPECTION, NOR THERE WAS ANY REASON FOR ANY SUCH INSPECTION. I ASKED FOR A RECEIPT OR A PROOF OF THIS ALLEGED INSPECTION BUT THEY HAD NOTHING!!! 
THEN THEY GAVE A NEW EXPLANATION CLAIMING FEES OF MORE THAN {$2000.00} WERE FOR CERTAIN CITY & COUNTY FEES BUT THEY DID N'T KNOW THE NATURE OF THE SERVICE. I CONTACTED CITY TAX COLLECTORS & HOUSING AUTHORITIES AND THEY SAID NO FEES WERE DUE, NOR ANYTHING EVER RECEIVED FROM THE NEW LENDER!!!! 

I CALLED XXXX AGAIN AND THIS TIME THEY CHANGED THE STORY AGAIN!!!!! CLAIMING THAT THE FEES WERE FOR EXPENSES THAT PREVIOUS LENDER ( RCS ) HAD FAILED TO PAY DURING MODIFICATION REVIEW!!!! 

I REVIEWED THE LOAN MODIFICATION DOCUMENTS AND IT CLEARLY INDICATES NO EXTRA FEES OTHER THAN MY NEW MONTHLY PAYMENT WAS DUE. ALL OTHER FEES HAD BEEN COUNTED FOR!!!!! 

IF THERE WERE OTHER FEES OF {$2000.00} THE RCS SHOULD HAVE DISCLOSED THEM WHICH THEY FAILED TO DO. NOW RCS MUST CLEAR THIS MATTER WITH THE NEW SERVICER AS I CAN NOT BE HELD RESPONSIBLE FOR ANY THING MORE THAN WHAT WAS CLEARLY SATED IN THE EXECUTED LOAN DOCUMENTS. 

THIS SITUATION IS EXTREMELY UNFAIR, IMMORAL AND EVEN ILLEGAL!!!! 

RCS AND ALSO XXXX MUST CLEAR THIS DISCREPANCY AMONG THEMSELVES INSTEAD OF JUST PRESENTING NEW STORIES AND EXCUSES FOR FALSE BILLING SCHEMES!!!!

Company response to consumer: Closed
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Student Loan Care, LLC (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was contacted by a third party consolidation company who I thought was with the government but I was mistaken. I provided personal information in hopes to consolidate all my loans to one payment/interest rate. After I was given a quote he said it would be a couple days to process and after doing some research discovered I could consolidate my loans through the department of education myself for FREE and this company was charging me XXXX dollars. After calling him back to confront him he responded with a yes you can do that in a smart aleck response. I gave him my FSA ID, SS number, bank statements, and contact information and after talking to the Department of education was a huge mistake. Company is called Student Loan Care or XXXX.

Company response to consumer: Closed
Consumer complaint received 07/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Loan modification,collection,foreclosure

Complaint: From XXXX I have mortgages loans with Bank Of America. My original problem was an Auto Draft account used only for the mortgages payments. Seeing misapplied payments and wasting hours on the phone I decided in keeping it simple. So I closed the auto draft accounts and paid each mortgage in person by cashiers check only. Bank American would then apply payments to the closed auto draft accounts paying fees and such which they had already corrected but still shows back up. It took me XXXX times to force close those auto draft accounts. XXXX a manager with XXXX XXXX had directed me to make payments only by cashier checks payments in person for record which I did. All cashier checks are from XXXX XXXX. Then Bank America said I was missing several months of payments. As of XX/XX/XXXX XXXX personally helped by calling Bank Americas talking to several managers to resolve this. We would get a manager that would ask for several months copies of cashier checks starting in XX/XX/XXXX so we fax them copies.. She would always ask for a direct contact number which they said they did not have one and call customer services. XXXX also asked for a conformation letter for problem resolve which they would never send. A few weeks later the problem would started again with a different manager and same ending story nothing solved. Now all XXXX properties are all in a foreclosure. XXXX reviewed the statement they sent out which shows that I did not miss a payment and that Bank America had misapplied payments. Bank America now shows that my XXXX accounts are from {$1300.00} TO {$2000.00} behind and when asked which months they need a copies of the cashier checks to resolve this matter never gets resolved and is always a run around. Several times I personally went into a branch to resolve this and they told me I need to call customer service. Now working with a XXXX XXXX in the debt collector department goes on week after week. I also called her manager XXXX XXXX for three weeks now and he will not return my call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: I along with XXXX others lost our American Express cards when XXXX severed its relationship with AMEX. I tried to look up past AMEX statements online but that information has been destroyed. What am I to do? Here I try to do the right thing by " going paperless '' and now have no access to my statements!

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 08/25/2015 about Consumer Loan (Installment loan) with loanDepot.com, LLC (TN).
Issue: Taking out the loan or lease

Complaint: Loan depot called me, at work, and said they were calling me regarding my inquiry online for a loan for property located at XXXX XXXX XXXX, XXXX, Tn. I explained to them that I have n't applied, inquired or anything else for a loan. He said the request came from email : XXXXXXXXXXXX. They called me last week also but did n't give me any information until today. What do I do next?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I received a call from my mortgage company stating I missed a payment for XX/XX/XXXX. I told them that I made the payment and had the ACH information to prove it. 

They took my information and told me that the payment was made, but that it was short of the amount owed. I told them I had automatic payments set up and that it was the same amount every month. 

They informed me my rate had increased. So, my payment was short {$60.00} I was transferred several times before speaking to a gentleman that told me I was in an ARM and this was the first time my rates were eligible to raise and they indeed had risen by 1 %. I told him I was never notified of the rate change and if I had I would have adjusted my automatic payment. 

He then stated that mistakes sometimes happen. But, indeed my rate had increased and that unfortunately the company did not send me any notification. But, I need to pay more. 

He then told me the rate will increase again next year and I should work with him to lock in a rate right now. I was under the impression the ARM was based in interest rates at the current time. But, it seems the company will increase my rates regardless. 

Also, I believe they had a legal responsibility to notify me that my rate increased. Saying mistakes happen is not a legit excuse. I should have had an opportunity to shop around once I was notified, but they prevented me from doing that by blindsiding me with an increase. 

Then I was told if I want to save my home I should work with the agent now or my rates will increase. As an XXXX XXXX military member i find this practice to be unethical and borderline illegal. I have the resources to pay my mortgage ( increase and all ) but this man telling me I need to save my home and I was in danger of losing it if I didn't refinance with him is a dangerous practice. Something should be done. 

Protect our veterans and XXXX XXXX by not allowing these deceptive business practices to be perpetrated.

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX has failed to comply by not completing investigation within a 30 day period of time as per the law for multiple requests

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 06/16/2015 about Credit card () with TD BANK US HOLDING COMPANY (OH).
Issue: Other

Complaint: I have a Credit card still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2002, I am requesting this be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XX/XX/XXXX Called XXXX about return, was told we would receive a return label.

XX/XX/XXXX Called XXXX about return, was told we should have received return label.

XX/XX/XXXX Followed up on return label, since we have n't heard anything back. Was told that it was passed the deadline to return. Informed representative that we had contacted XXXX in XX/XX/XXXX, and never received return labels. Was informed the case would be forwarded to supervisor. 

XX/XX/XXXX Received a callback from supervisor and informed that they would be sending return labels. Finally received return labels from XXXX  and sent the items back for a refund.

XX/XX/XXXX Called XXXX about return and said supervisor will give call back Never received a call back XX/XX/XXXX Called XXXX, again was informed a supervisor would call back. XX/XX/XXXX  Opened dispute with Chase because the items were never refunded. 

XX/XX/XXXX Sent in documentation as requested by Chase.

XX/XX/XXXX Sent in documentation as requested by Chase.

XX/XX/XXXX Send in documentation as requested by chase.

XX/XX/XXXX Called Chase and was informed that we would receive a callback from dispute department upon review of materials.

However, we received a letter stating the case was closed without any further review.

Company response to consumer: Closed with explanation