milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2016 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Rewards

Complaint: On XXXX/XXXX/XXXX, Barclay closed my Barclay Arrival MasterCard account and sent a letter indicating the following : We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' Upon receipt of this letter, I called Barclay 's on XXXX/XXXX/XXXX and spoke to a customer service representative and a manager. I asked them for the reason why my account was closed without any warning and they basically just repeated what the letter had stated and that they could not provide any more details. I told them that I had XXXX Barclay Arrival points in this account that I can no longer access because the account is now closed. The manager stated that there was nothing he could do to get those points to be credited back to me. These points are worth approximately {$1500.00} if they are redeemed towards travel expenses such as hotels, airfare, etc. I was travelling to XXXX in XX/XX/XXXX and XX/XX/XXXX. Had planned to use my points for travel during that period. But they cancelled my card while I was in XXXX and hence could n't use Barclay card during my international travel at all. I am unhappy with the way that they have closed my account. I have never ever been late on making payments and keeping outstanding balance well within my credit limit. I would have appreciated if Barclay 's had at least notified me about what I had been doing that was unsatisfactory, so that I could have avoided being closed. Instead they closed my account without any warning. I was planning to downgrade my card to basic one anyways but they said there was not a way to do so and they would not even refund or compensate for my points that I accumulated for my international travel, which is what they point out as best benefit associated with the credit card to begin with. Its very unethical and rude on Barclay 's part and caused huge discomfort as I had planned to rely on them for the duration of my stay in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (TX).
Issue: Trouble during payment process

Complaint: This is a notice of intent to sue. 

I am in XXXX, Texas and was affected by XXXX XXXX. I requested a deferment from my mortgage company, XXXX XXXX XXXX ). They granted a XXXX XXXX XXXX XXXX XXXX ( which is not what I requested or wanted and is of NO help ). Nevertheless, I was informed that " ... you do not need to make any mortgage payments. '' On the same date, I was sent a XXXX XXXX required courtesy reminder that my payment has not been sent. With all things the same, I have never been sent such a reminder. I am not sure if legal timelines are being followed. Today, XXXX/XXXX/XXXX, I am aware that CM has reported my account to the credit bureaus as delinquent. This has significantly changed my credit score. I KNOW that they have erred and will sue if not corrected immediately! CM has not been good to its customers during this time. I recognize that they have the right to help or not 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 01/23/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX XXXX XXXX sent us a notification of Mortgage transfer to Nationstar Mortgage LLC. As of XX/XX/XXXX, we have still not received any notices or mail from our new Loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been in written communication for the past six months or more with transunion. transunion has been reporting several inaccuracies on my credit report. the inaccurate information on my report is preventing me from getting an apartment and credit. when i reached out to transunion they sent me a letter stating that the information was verified. I then sent another letter with information that supports the inaccuracies that was sent by certified letter twice and still no response. It was to my understanding under the Fair Credit reporting act. that if any information is reported inaccurately it must be removed. I have XXXX accounts that are not being reported accurately. The accounts in question is XXXX XXXX XXXX and the XXXX XXXX is XXXX accounts in question.. The issue I have withe the reporting and validating the account is that they did n't validate the account. I have asked the company to give me written proof of my signature that i have open the account and they could n't provide this to me so how did transunion validate this account. the date that account first premier claim to be open is showing a different date than what transunion is reporting. also the amount that is claimed that i owed is not being reported correctly the payment history as well not being reported at all or incorrectly. on all these grounds these ground I want transunion to immediately stop reporting this account. Now as for the second account. transunion is not reporting this correctly as well and i want trans union to immediately stop reporting on this account. Transunion claims that this account is valid however they have yet to send me proff of it 's validilty when i reached out to fingerhut they advised that they sold the account. so first off if this account is sold trans union should not be reporting this as a fingerhut account/ I was told that midland credit services has this account and that fingerhut is no longer responsible. XXXX services when i reached out to them advised, that they received the account they reported on the account however after receiving my formal written dispute about this fingerhut account. XXXX decided to immediately cease reporting this account. So why is transunion still reporting a sold account that no longer belongs to the original owner. They are awre that a company can not buy back and an account once it has been sold so why is this account being reported as such. Transunion has failed to " validate '' this account with these error and therefore I am executing my right for the third and fourth time to has transunion stop reporting these accounts immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: I contacted all 3 credit reporting agencies on XX/XX/XXXX and XX/XX/XXXX to inform them that numerous inquiries on my report were due to an error. I called the company which was a car dealership by the name of XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX, NC that was responsible for having my report pulled by numerous finance companies. I spoke with the Finance Manager by the name of XXXX XXXX that searched their systems and confirmed that they did not contain any information on my name or social security number. He confirmed that my information had been pulled in error and that I did not give permission for my credit to be pulled by his company. He stated that he would send in a letter to the 3 credit bureaus but when I tried to check the status of that process being completed a few days later with XXXX XXXX I was informed that he had a family emergency and would be out of work for some time. Each time I spoke with representatives at each credit bureaus they read me the same statement about " inquiries being factual data ''. I understand that but it means nothing if I did not authorize my credit to be pulled by this company which results in many inquiries being reported on my credit reports. I requested by verbally disputing, written disputes sent by certified mail, also online with each credit bureaus dispute option. After the dispute is completed I am getting the status as " verified '' which is impossible if the company has already confirmed that my information was used to pull my credit reports in error. I believe that the credit bureaus are not investigating my concern and I would like these inaccuracies removed immediately from my credit report.

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 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: on or about  XXXX   XXXX , I called in  to Citi Bank to  make an arrangement on my account. in  XXXX   XXXX , I contacte d Citibank  about fraud charges that were on my account from  XXXX . I was told they would address it and they did not. I left out of the country and left the card home. When I returned, there were additional charges to my account, more than {$2000.00}. I filed a second fraud claim. At that time I was also informed they never addressed the first set of fraud charges. Nonetheless I put in my claim. I submitted all documents request by the fraud department and left the country for a mission trip. While I was gone several request was  made by citibank  regarding the claim and because I did not receive it in time, they closed the claim and I was stuck with the bill. I lost my job and was unable to pay the bill On or around  XXXX   XXXX , I spoke with  XXXX  @  XXXX  about settling my account. She told me that I qualified for a program that I would need to pay  XXXX  per month for 5 months. This would bring my account current and the account would not close while on the program. A contract was sent to me with these terms on  XXXX / XXXX / XXXX .   On  XXXX / XXXX / XXXX  I spoke with an agent to see how the program would work if I paid the 5 month payment plan in advance. At that time I was advised my account was closed. She apologized but said my account was closed at the time I was placed on the program. When I initially called in the automated system did not advise me that my account was closed. It does now. How could this happen if the account specifically setup to avoid closing the account and getting the card holders account back on track?   This ambiguous agreement has affected my credit tremendously. Not only did they not handle the fraudulent claim but now they are not honoring the program terms that were outlined to me when I signed up.

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 03/31/2015 about Debt collection (Non-federal student loan) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XX/XX/XXXX I made a loan with HFC/Beneficial for the amount of {$13.00}. The rate of repayment was @ {$220.00} per month which latter in the loan around about XX/XX/XXXX the payment were reduced to XXXX per month. My account was sold to another company who has recently adjusted the amount that I owed to them after making a complaint to them that I had been overcharged. Before selling my account, HFC did not notify me nor did they provide me with how much I had already paid to them. I believe that they have also been overpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Credit determination

Complaint: On XXXX/XXXX/XXXX I applied for a credit line increase on my Capital One card. I received a letter from Capital One that states they are unable to increase my credit line right now due to my credit score. On the disclosure it states that my credit score was pulled on XXXX/XXXX/XXXX which is more than 90 days ago. I called in and spoke with a customer service representative who told me that if that was n't my score I needed to dispute it with XXXX. I explained to the customer service rep ( XXXX ) that I am aware through prior conversations that Capital One only does soft inquiries every 45-60 days or so, but it takes some time for it to populate to the credit line increase system. I was looking to find out when the next set of scores were going to populate as my Capital One Credit Tracker service has shown since XXXX my credit score has gone up allot and I believe based on my current credit scores that I would qualify for an increase. He told me that my billing cycle is every month on the XXXX. At this point, he clearly did not understand what I was asking so I asked to speak to a manager ( XXXX ID # XXXX ) who I explained the same thing to. He told me that on the letter there is a number for Equifax that I can call to dispute my credit score at. I again stated " Your letter says CAPITAL ONE obtained my fico score on XXXX/XXXX/XXXX that was more than 90 days before I applied for the increase, I already have a copy of my updated score and it has gone up significantly, I would like to know on what day your system is going to update '' he responded that it depended on my dispute. At this point I was frustrated with his lack of knowledge, being a manager and not knowing basic Capital One policies is unacceptable to me as a client. It really does n't give me comfort knowing that a manager at capital one doesnt understand what I am asking or have any idea what I am talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: These inaccuracies are damaging my credit score which is causing me serious personal and financial hardship. 
I am, therefore, requesting that your agency assist me in this matter. 
For the past several months, I have been disputing several inaccuracies that are XXXX in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. I Also send the my statement and the letter from the court telling that they are not reporting to the credit bureau and you also have both copy Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Closing on a mortgage

Complaint: I am a   XXXX   XXXX   for the buyer in a short sale transaction. This matter closed in  XXXX , 2016 and the mortgage which was the subject of the short sale has not been discharged of record. I am unable to issue the title policy to the new owner, our insured, until this mortgage is discharged.
I have attached the short sale approval letter along with proof that the wire was received to pay the loan in full as outlined in the short sale terms. Several attempts have been made to contact NationStar Mortgage, with no satisfaction.
The subject mortgage is recorded in the Office of the Clerk of  XXXX  County New Jersey in Mortgage Book  XXXX  to  XXXX  and   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Credit card debt) with Pressler & Pressler, LLP (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I tried to tell Pressler & Pressler that XXXX credit card was opened fraudulently. They did n't bother to help me in any way. They obviously do n't take identity theft very seriously. They 're garnishing my pay check for {$2100.00}. It 's unfair that I have to suffer because this identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The following names, addresses and SSN 's are incorrect and should not be associated with my credit report.
Incorrect/Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect/Inaccurate Addresses : XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CO XXXX XXXX XXXX XXXX XXXX CO XXXX  XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  Social Security Numbers that are not mine : XXX-XX-XXXX XXX-XX-XXXX XXX-XX-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 01/25/2018 about Debt collection (Payday loan debt) with ACE CASH EXPRESS, INC. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: People keep calling saying they are from a law firm and they say they are going to prosecute me for theft by misrepresentation if I dont pay them but they will not provide documents or proof of the claim. They keep threatening to come to my job and serve my boss. They say its for ace cash. I did use ace cash about 4-5 years ago but I payed it in full. I feel this is either a scam or not lawful. Thanks Here is the number that they called from today. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NH).
Issue: Delinquent account

Complaint: XXXX XXXX, XXXXDear Sir/Ms ; I have requested American Express to remove a negative item on my credit report, but they have declined. The event occurred in XXXX through XX/XX/XXXX. I closed my account with American Express and entered an agreement with American Express to pay the balance in monthly installments. I was reluctant to do this because it would be reported as a late payment on my credit report. I was told by the American Express representative that it would not have a negative effect on my credit because it would show that I was making monthly payments on the account. This was true for the first two months, however after the third month, my credit score dropped XXXX points. I immediately paid off the balance and thought my score would recover. However, two years later it has not and my understanding is that this will be on my record for another five years. 

I was a long time card holder with American Express and always paid my bills. If you look at my credit history, you will see that I have never been late for a payment on any account. I do not think that it is fair for this negative information be on my credit report for another five years. Also, the intent of the negative report is to reflect that I was unable to pay the account. This is false, which is confirmed by the fact that I paid it off immediately when the huge negative affect on my credit was made known to me. It is also misleading to show that I was late in paying my account when I was actually paying it off with monthly payments. 

I feel that I was given misleading information regarding the impact of the payment plan on my credit report. If I was told the truth about the impact on my credit, I would not have participated in the payment plan. I have XXXX requested the transcript of the phone call that I made to American Express where I was given the misleading information, and I have not yet received a response This is having a negative impact on the loan rates that I are available to me. I am also in the job market and I am concerned about this having a negative effect on prospective employer background checks ( which access my credit history ). 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (I do not know) with MNE Services, Inc (MO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: My complaint is that the representative for XXXX XXXX XXXX continues to repeatedly call my employer numerous times. Calling right back after they hang up. I have told them that I work for a school district and my employer does not approve of such calls. The representatives name is XXXX. His number is XXXX. He has started getting rude with the secretaries at the school. I tried talking with them but they could n't give me a date of when this supposed loan went through not the name of the company. They will only tell me that it is XXXX XXXX is a subsidiary of the company they are calling for. They could NOT produce any documentation that I had agreed to. They just said I owed {$720.00}. They will only provide the attachment I have sent. Anyone could have made this up.

Company response to consumer: Closed with explanation