milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a credit card through Barclay 's Bank in XX/XX/XXXX. Due to the XXXX  data breach, I had a fraud alert active on my credit record. Apparently due to the fraud alert, I received a request from Barclay 's bank for multiple documents including utility bills and copies of my Social Security Card and driver license, and perhaps others. 

I reasoned that the fraud alert was the source of their inability to access my credit records. Since I'm on long term reassignment from my permanent residence, it was a burden to gather all the requested documentation. Since the fraud alert was due to expire on XX/XX/XXXX, I reapplied in XXXX, thinking that would resolve the situation. 

On XX/XX/XXXX, I received a letter stating that my application was denied due to " too many inquiries ''. I called Barclay 's Bank and was informed that even if my fraud alert was no longer active, I would still need to supply the documentation. My credit record is exceptional and my FICO score is currently XXXX. This seems excessively burdensome for a consumer with excellent credit and their stated reason is that they had to ensure that security issues needed to be met. 

Is this a policy decision that can not be reconciled due to requirements under the Fair Credit Act or is this an unfair burden on the consumer? 

My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The Barclay 's Bank application number is XXXX with the response on XXXX. I contacted them today, XXXX XX/XX/XXXX. I do have a complaint lodged with Barclay 's Bank and was told to expect a response in 24 to 48 hours. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian has exceeded the time allowed by law to correct or remove a disputed item from the credit report. According to FCRA 611 ( a ) ( 1 ) ( A ).

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 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed an incorrect date on XXXX XXXX with Transunion for the XXXX XXXX account listed on my credit report, and a month later XXXX XXXX sent me an notification that the XXXX XXXX account has been deleted off my credit. This dropped my score 117 points. I contacted Transunion and they said they sent a letter to XXXX XXXX on XX/XX/XXXX and due to no reply back after 30 days the account was deleted. I 've contacted XXXX XXXX numerous of times and even reported this problem to bbb.org. I have been getting the run around since XX/XX/XXXX and no one seems to not know what to do. FInally in early XX/XX/XXXX,  someone responds to the bbb complaint and says they re loaded my account information in e-Oscar and the credit companies should see it. I contacted Transunion only for them to tell me that they ca n't see the account in e-Oscar,  and I need to tell XXXX XXXX to complete an re insertion by contacting Transunion marketing services. I was told this by a male rep. I contacted XXXX XXXX to relay the information and they tell me they contacted marketing services of Transunion and tranunion is telling her that XXXX XXXX was never an account on my credit. This is so frustrating, for 2 months I have been on hold to accomplish some life goals, because my credit is holding me back all because of XXXX XXXX. Please help me. I will attach the reply from an XXXX XXXX manager on bbb and I will attach the payment history in e Oscar, and I will attach a screenshot of the notification of the account being deleted.

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 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (UT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was a victim of identity theft and fraud and reported there were unauthorized transactions on my XXXX XXXX credit card. The experience with XXXX XXXX to resolve the issue has been unnecessarily confusing, the website reporting one card closed and another card open. I am not able to access the website as it failing to open pages including other issues. XXXX XXXX has failed to readjust the balance properly and failed to modify the minimum payments as I have overpaid minimum payments for the last several months. They have my account in past due status and I was told they would readjust the balance and change the minimum due amount since I overpaid due to fraudulent charges on my account. The website login page is preventing me from doing anything on it as well. Customer service seems to not understand any of my request and at this point I am left to filing a complaint with the CFPB. Additionally, I was sent out 2 cards and do not know which is valid or not valid. This process has been sloppy and not being handled in good faith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XXXX XXXX I converted my checking account to a low fee checking account ( the previous account required a certain amount to be in the account for the month - {$2500.00} XXXX. This I believed would lower the charges. In XXXX of XXXX i began to received {$30.00} overdraft fees on my account. I initially paid the first fees - then other fees were charged. I called my bank and was informed that the checking account was changed to an account that would allow the bank at their discretion to pay and overdraft my account. I have argued and now I am being assessed fees for my account continuing to be overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (CA).
Issue: Managing the loan or lease

Complaint: Ford Motor Credit is reporting a repossession on my credit report that is inaccurate. The vehicle was never repossessed during the time i had a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Billing disputes

Complaint: On XXXX XXXX, XXXX, XXXX billed me {$48.00} and {$42.00} on my XXXX Capital One credit card for merchandise I never received. Capital One showed a merchant credit on XXXX XXXX, XXXX. 
Capital One shows a credit to me on XXXX XXXX, XXXX Capital One has rebilled me TWICE on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
This means that Capital One has billed me for money the merchant owed me. 
I spent 2 hours on the phone on Sunday XXXX XXXX, explaining that Capital One credited me once and debited me twice, so that Capital One collects {$48.00} and {$42.00} from me, wiping out the XXXX credit. 
I still pay for {$48.00} and {$42.00} for merchandise I never received. 
Capital One refuses to acknowledge that the merchant owed me the credit and they should not have debited me twice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The recent breach of Equifax has allowed someone access to my personal information, and XXXX of my credit cards was used for unauthorized purchases. I never consented for this or any reporting agency to have my information in the first place. Now it has been stolen because of their poor security.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Mortgage debt) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I have previously filed a complaint against the lender ( XXXX ). The lender took 2 months time to respond. My wife 's chapter XXXX bankruptcy petition has been approved as of XXXX of this month. Nevertheless, Carrington Mortgage ForeClosure Prevention Office in XXXX, TX is sending mails to us and threatening of foreclosure. The property currently have an automatic stay order and an exempt property under Federal Bankruptcy Law ( Chapter XXXX Bankruptcy Case # XXXX ) The lender has not moved the foreclosure auction sale notice from the XXXX District Clerk 's office either, which is causing harassment by number of buyers around the home everyday. Please help us against this illegal foreclosure procedure. The local division of the lender 's office information is below : ForeClosure Prevention Office :XXXX Ref # XXXX Loan # XXXX Sincerely, XXXX XXXX P : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Six months ago I submitted an application for a loan modification after I had XXXX problems and XXXX renters who gravely violated the lease with not paying their rent, leaving debris and garbage all over the yard, inviting other folks to live with them, bringing in a trailer for even more people to live in, growing drugs and destroyed the electric meter by trying to slow it down. Spending over three months and expensive attorney bills to get them out, another month to clean and repair, replace appliances and find new tenants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Application, originator, mortgage broker

Complaint: I was marketed by Caliber Home Loans via a letter. I applied for the refinance of my home with Caliber Home Loans, only after they assured me that a prior Chapter & BK and included foreclosure would not be an issue. I was charged for an appraisal an we supplied all of the requested documentation to process the loan. 
We are then told that they could not approve the loan based on the BK and Foreclosure. When I mentioned the statement from the loan officer XXXX that she had received written permission regarding this, then the issue of disputes on our credit report were brought up. I requested that information so we could correct those inaccuracies on our credit report. I was told that it would be sent and it was not. 
Now I am told the the Fanny Mae DU system did not accept our loan file. I believe this to not be true and also feel this process of obtaining a XXXX DU finding would have be done in advance of ordering an appraisal. 
I feel that our loan file was not processed in a manner to protect us from un-necessary charges of the appraisal fee and I do request an immediate refund of this expense. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (NJ).
Issue: Managing, opening, or closing account

Complaint: Pay pal cut off my debit card without a text or a phone call or permission. 

Leaving me without access to my money, having ordered food. Transferred me several times, dumping me XXXX back out to a call in system, gave me XXXX telephone numbers, stating, " XXXX of these '' should work, and neither of them did. 
Kept me on hold for an hour, As it so happened, I had n't yet updated my address, so Paypal sent a card to my old address. 

Yes I had a dispute with a retailer but noNow, I notified them about a dispute with an XXXX purchase, who resolved the dispute with me. I specifically checked the box which said the card was still in my possession, and at no time was I notified that by filling out that form that my card was going to be cut off. 
I did find that they had sent an " a new card is on the way '' but nothing stating my card was cut off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Credit card) with DISCOVER BANK (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: i told discover card years ago that i couldnt pay their high payments anymore on social security. they pursued took me to court XXXX/XXXX/XXXXi called XXXX when i got court papers and they said just go alone as on ss with credit card dont have pay. so i replied to court with the fact i couldnt pay debt but court went against me and slapped public judgement on my credit report that just came up. i dont have funds pay {$4600.00}. been waiting out 3yr term from former foreclosure to buy house XX/XX/XXXX but this puts Big dent hindering that. how can you HELP?

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: American Adjustment Bureau is collecting a debt for XXXX creditor, XXXX XXXX XXXX. What they 've done is created XXXX individual collection accounts for XXXX creditor to create the appearance of many negative debt data points. All accounts started by AAB on XXXX/XXXX/2010, with XXXX additional XXXX on XXXX/XXXX/2010. Original debt was re-aged by AAB from original debt. Contacted XXXX, requesting verification and consolidating the accounts under XXXX record, but was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Cavlry SPV I. LlC ; address ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX is attempting to collect a debt that I am not responsible/or owe for purchases with a XXXX Credit card as part of a charge-off via XXXX XXXX XXXX and new company owner name XXXX XXXX. I have never owned a XXXX credit card or used a XXXX credit card to acquire product goods and services two years past in 2013. Therefore I believe this is an identity Theft case in which I am the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Everytime I make extra payments ( in addition to my auto-scheduled payments ) I can not make them simply to the principle. That is not an option. The only option available is to " make a payment '' and it is always applied to interest as well as principle. The further I make a payment from XX/XX/XXXX ( my auto scheduled payment ), the more interest I have to pay. I believe that if I am making additional payments that those should go strictly to principle, just like a mortgage or car payment is allowed to go to principle. 

Additionally, ever since Navient took over the student loan, I no longer see the " pay in full '' option that I used to see. I used to be able to see my total repayment option if I 'Paid today '' and, if I selected that, that price would be honored for up to 10 days while payment was processing. With Navient, that is not the case, so should and when Ihave the money to pay something in full, is that going to be an option? or will I be penalized by having to pay principle as well ( which is n't defined ).

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have an unverified account from XXXX XXXX account # XXXX that was placed on my credit report and I have been trying for over 4 months to get this entry removed. I have spoke with numerous representatives, supervisors and even managers in regards to the erroneous account and i have yet to get it resolved. This is my 3rd dispute in which I am currently waiting for results. I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is a letter with a statement saying " the account is verified ''. I demand that this unverified account : XXXX is PERMANENTLY DELETED FROM MY CREDIT FILES due to lack of verification and INACCURATE REPORTING.

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 05/19/2017 about Debt collection (Credit card debt) with ERC (NY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I am reporting a debt collector that I have reported several times in the past. The name of the company is Enhanced Recovery and the last time they called it today,  XXXX   XXXX , at  XXXX . The telephone number is  XXXX . They have been calling for years and they never leave a voicemail message. I have talked wi th one of thei r representatives and told them to stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: On or about XXXX XXXX, 2017 Equifax released my credit report information to unnamed third parties without consent. My private information, such as my SSN, date of birth, driver license number, and address, collected by Equifax and held in trust, are now, basically, public information. As a result, I have been forced to monitor my finances with extreme diligence to watch for fraud that may negatively affect me financially and affect my ability to obtain future credit. Equifax has put an undue burden on me to prevent fraud to my credit. I have filed a fraud alert with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received a delinquency notice FOR THE THIRD TIME IN THE MATTER OF ONE MONTH on a student loan account THAT DOES NOT EXIST WITH XXXX XXXX. This is HARASSMENT. They are providing inaccurate information. i have called them to STOP HARASSING ME AND THEY HAVE NOT HONORED MY COMPLAINT. I AM ON AUTO-PAY FOR EVERY SINGLE ONE OF MY STUDENT LOANS AND AM NOT DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Foreclosure occurred while a modification process was in effect. I will incorporate documents showing lender engaging in a loan modification process and failed to comply with civil codes XXXX by auctioning my house while a was negotiating a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: Equifax announced that they had suffered an account breach that compromised the information of over 143 million Americans. After checking whether or not my information had been compromised using the site they provided, I was told I was affected. This data breach may have compromised my credit and divulged information such as my social security number, accounts, and addresses. I checked my credit report using XXXX from all three agencies ( including Equifax ) and everything seemed normal. I also added a 90 day fraud alert to my account but had to use XXXX 's site for that as the Equifax site was broken.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I need your assistance please in having a fraudulent account removed from my credit before I take legal action. I have contacted Portfolio Recovery Associates for about 6 months now about an account I discovered on my credit. I have contacted them via certified mail 5 times because I wanted to have proof of receipt. They have received my dispute but have failed to get back to me in 30 days which is what is required by the FTC as it relates to the FCRA. I have actually waited 5 months and the account remain and they are responding to the credit bureaus but ignoring me. I was never contacted before the account was placed on my credit. 

Account Number XXXX

Company response to consumer: Closed with explanation