milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2015 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Rewards

Complaint: We applied for a Wyndham Rewards Visa Card serviced by Barclays with a promotional offer that we will receive XXXX bonus points when we make the first purchase with the card ( Wyndham would provide these ) and XXXX extra bonus points when we spend {$1000.00} in the first 90 days ( Barclays would provide these ). We made {$1000.00} in purchases in the first 90 days and it has been several months but we still have n't received the XXXX bonus points. 

After calling both Barclays and Wyndham several times ( they would both tell me the other was responsible for the points and they had nothing to do with it! ), finally Barclays agreed that they were responsible for the points. However now they have a new theory that since my account is not in good standing they wo n't give me my bonus points. I have a credit of {$38.00} on my account for several months now ( yes I overpayed and Barclays owes me money! ). 

On probing further they revealed that there was a late payment on the account. In reality the late payment was due to a Barclays error and not mine. I had setup an auto-payment on the account almost a month before the next payment was due and upon completion of the setup the confirmation screen told me to cancel any scheduled payments to avoid a double payment which I did since I did not want a double payment. Fast forward a month Barclays did not process the auto payment on the due date. I noticed it within a couple of days and called Barclays customer service regarding the same. The representative accepted the error on their side and reversed the late payment fees and processed the payment for the account for that statement. 

Because Barclays made that mistake on their end I had to go through the inconvenience of giving them a phone call in the first place. Later citing their mistake as a reason they do n't give me my bonus points ( without any communication! ) and are just using it as an excuse to avoid giving the XXXX bonus points which they are contractually obligated to. 

Moreover on top of the fact that my account is in good standing and the error they have noted was an error on their side, the contract never mentions anything around the account being in good standing or not. It plainly says that after spending {$1000.00} we will get those points. Barclays is plainly trying to give excuses to avoid giving those bonus points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2016 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (MO).
Issue: Deposits and withdrawals

Complaint: A CD account was opened with XXXX bank in 1996. This bank was subsequently acquired by XXXX XXXX and then Wells Fargo. I am trying to recover these assets but Wells Fargo claims to not have the account or proceeds. I have also checked with the state of Missouri unclaimed accounts division but they have no assets for these account holders.

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 11/28/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i paid {$220.00} in credit cards. and {$50.00} more by check. i sent them a question regard who owed what and how much. i also received a bill from another company for less than what was owed. since i sent the question to them i have not heard from them. 
i think they were caught in the act. they said my account owed {$0.00} and my husband account was " inactive ''. 
is there a way i can have what i have paid back?

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage Servicer is Nationstar mortgage. They have Notified me that they are Raising the rate on my mortgage and Increasing my payment almost {$200.00} per month. When I advised Nationstar that they had no authority to do this they claimed that they were the final decision makers on the terms and conditions of my mortgage. I asked Nationstar to give me the name of the person or company that Holds the Deed and Title to my property and to provide documentation from the Deed - Title Holder that Nationastar has an agreement to collect money and change the terms of the loan. Nationstar Mortgage Refused. I have no idea why Nationstar Mortgage is Refusing to provide information to the Homeowner despite multiple requests

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Debt collection (Credit card) with Kohn Law Firm S.C. (WI).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I am writing describing Kohn Law Firm, SC in XXXX, WI. 
I am a single parent ( with a degree mind you ) ... on state assistance for my son and myself. Due to the economy and low wages, I have to work XXXX part-time jobs and gone from my family 14 hours per day, I am still in the poverty line and receive state insurance and up until a month or two ago, food stamps. 
After repeated harassing calls ( leaving me crying with their rude put-downs ), I asked if they would settle with me and if I could make affordable payments. They firmly let me know that it is too late for that. I also asked if they would please give detailed charges of the actual bill as that I am not sure that I owe that amount. They said that it is too late for that! They were rude and had me crying on the phone several times until I mentioned the Fair Debt Collection Act. 
I filed and faxed Kohn Law Firm 's exemption form garnishment form. ( I talked on the phone to them about receiving this form as they kept it from my knowledge though another debt collector offered it, and exempted me from garnishment ). 
After explaining this, Kohn Law Firm finally agreed and mailed me the garnishment exemption form.I filled it out, faxed in my state assistance proof to Kohn Law Firm and gave a copy to my employer as well. This legally should have released or exempted me from garnishment. However, Kohn Law Firm proceeded to garnish my wages anyway. This is illegal as I am on state assistance. 
Working XXXX part-time jobs as a single parent, I am unable to now provide enough income to support my family. I looked into the history of Kohn Law firm and their illegal practices. They have repeatedly violated the Fair Debt Collection Act. Please help meas I have to borrow money from XXXX just to feed my children.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit report is displaying a late payment record for a credit card account. XXXX  claims that no late report was issued to the credit agencies. ( See chat transcript ) I want the negative information removed, as the payment was not late per XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SQUARETWO FINANCIAL CORPORATION (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX closed the account many years ago and submitted it to CACH LLC for collection. This debt was disputed and the amount owed. CACH continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from XXXX. XXXX is reporting it as well as CACH. So I have XXXX companies reporting the same debt each with different amounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Arnold Scott Harris, P.C. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Arnold Scott Harris, attorney at law, issued a letter via USPS mail that I owe XXXX. The amount due for payment does not match the total amount balance in the description in the bottom of the page. They also claim to be an attorney or is communicated by an attorney ; threaten that my property and XXXX from bank account would be seized. It does not even say I can dispute this bill and that paying this debt could stop collection activity. This bill is fraud and should be vacated. I would like other payments made to Arnold Scott Harris to be investigated for the legitimacy of the bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I was reviewing my report and noticed there is an address for XXXX XXXX. I have never lived in XXXX il or even near it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: PennyMac took my XXXX mortgage payment from my bank account on XXXX/XXXX/16. On XXXX/XXXX/16 they sent me a letter telling me that I had n't made my loan payment. Today, XXXX/XXXX/16 I logged into the bank account to verify the payment was taken and it was. Then I logged into my account on PennyMac and it still shows that I have n't made my payment. This happens with PennyMac every year and this is not my first complaint about their payment processing methods. They are threatening my credit and forcing me to spend time on this when I 've already made my payment. This is wrong and illegal to bill me for something I 've already paid. I 'm tired of all the stress involved in having to keep my good credit in order when PennyMac can not stay on top of the payments they take from their customer 's bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient customer service agents misapplied a payment that I made on XXXX XXXX, 2015 and has since then, have been diligently attempting to collect a ghost balance that I do n't owe. They have reversed and reapplied the payment so many times that I can no longer see my previous payment history, only their mistakes. A recent collections manager told me that I underpaid my loan nearly a year ago in XXXX 2015 which is why this is happening. I have never received this information prior to today, and this error was apparently " discovered '' while they misapplied payments to my account, over and over again during the month of XXXX. I am very nervous about making any further payments until this issue is resolved, for fear of further erroneous postings and payment application leading to additional collections of false debts. The same Navient manager told me that his time trying to explain my " missed payment '' was a " courtesy '' to me and that he did n't have to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Revenue Recovery is negatively reporting on my credit report for a medical collection that does not belong to me. The debt belongs to a XXXX XXXX. I filed a police report with XXXX XXXX Police Report for Identity Theft Report # XXXX and Report # XXXX with Investigator XXXX. I have been a resident of XXXX TN Resident since 2008. I was a victim of identity theft and filed a police report due to fraud occurring in XXXX since 2008. I do n't owe this debt I would like it removed from my credit report 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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX made XXXX unauthorized hard inquiries on my credit. 1 ) XX/XX/XXXX/ no amount listed only has XXXX XXXX XXXX XXXX. beside their name. ( XX/XX/XXXX same situation. They list no contact info and my attempts to contact someone willing to claim responsibility have failed. 

XXXX made XXXX hard inquiry on XX/XX/XXXX/ no amount listed only Mail order firms listed. They also list no contact info and my attempts have failed to find party responsible. 

XXXX XXXX made a hard inquiry on XX/XX/XXXX/ No amount listed only XXXX XXXX XXXX. listed. They also list no contact info/ my attempts have failed here as well. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Hard inquiry/ No amount listed/ no contact info. My attempts have failed. 

Below is an actual copy and paste from my XXXX XXXX account : Inquiry details XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX XXXX. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX Inquiry from XX/XX/XXXX - Mail Order Firms This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos. This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX Inquiry from XX/XX/XXXX - Personal Loans Cos. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX - National Credit Card Cos. 
This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: ON XXXX PHEAA/AES determined they made a mistake and the loans they have are in fact not mine. SEE attached transcript of live chat conversation with AES XXXX, and screenshot of them confirming they were not my original lenders. 
I have told them I paid my loans off years ago. AES/PHEAA confirmed they were not my original loan lenders, and never had my loans. But they refuse to : 1 ) return my payments/money they collected XX/XX/XXXX-XX/XX/XXXX 2 ). NOTIFY Direct Loans/USDEPT OF ED default resolution/immed cr. recovery collection agency that these are not my loans so they can return my {$8000.00} they seized from me. 
3. ) REFUSE TO NOTIFY/UPDATE NEGAATIVE credit reporting on me. 
4 ) REFUSE TO remove my name off these loans. 
5 ) UPDATE NSLD WEBSITE I am a female XXXX XXXX vet, and they have my money, and continue to cause me extreme unnecessary financial hardship by refusing to do their jobs, and get my name off these loans they know are not mine, notify the lender they sold the loans to, return my money, or update my credit report. knowing all this. 

please help me. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I 've been having problems with BBVA compass bank. I 've been having some rough finacial problems and I let the company 's know this. I 've asked if they could close my account and they said no because it was in the negative zone. I then asked if they could some how put my account on hold or freeze it and again they said no. Some months back i called BBVA compass bank if they could help me out. they said yes and that i would have some peace of mind. They told me they would help me out that for 6 months the credit card companys would not touch my account. they said i would have to go to the bank that day and they were going to fax me some documents saying they were going to stop any other and or farther transaction and that I would have to sign them and I would send them back. After I signed those papers I was told to call back to notify them that I signed and faxed them back. When i told them about it they were going to send me another set of papers and as soon as i would recieve them to sign them and then send them back as soon as possible which i did. Thinking they were going to help me I called on XXXX XXXX, 2015 to check if I owed the amount I was told 3 months back, I heard the recording and was shocked. It has accumlated over time after i was told would no longer be touched. I went today to discuss about this and the banker that was helping me didnt really help me he made a call and i had to discuss the matter with the women on the phone. I was told that they never recived the papers that i had to SIGN AND FAXED TO THEM WHICH I DID! She also said my account would continue to accumulate and could n't do anything about it. She then said i was responsible for the papers which again i did send and was putting the fault on me. I told her if she was blaming me for there mistake and she said no. In the end I was left with no one to help me. And then found this by a friend. I 'm hoping you can help me because there is no one else to turn to. I 'm willing to pay what I owe there as long as they can stop it and take no more.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX Fraud & ScamSince, XXXX 2013 I have XXXX XXXX Services. I just Recently, Signed another 2 Years Contract with XXXX. I order XXXX Phone with Color of my Family. XXXX Phone Came in with right Colors and XXXX Phone wrong Color I called XXXX and ask them to Change the Color and Tell told me to Return the Phone to any XXXX XXXX we 'll send you the Right Color? Since then I Never received any Phone and My Service from XXXX Disconnected and They send me the {$660.00} Bill me to Pay. I called them Many time and Whenever, I come to the Point to ask Money Phone Automatically Disconnect. Scam already set to Collect Money with in1-2 Mins and When Customer Service? Or any other Services will take 1-2 Hours waiting time. 
Scam Set for Asking Your Phone ... Zipcode .... PIN # etc etc. When Representatives Pick up the Phone Ask you Exact same Question You Feed on the Call on Automatic Call. It 's take another 5-10 Mins. Then They Start Conversation? CAN YOU PLEASE GIVE US 5-10 MINS TO REVIEW YOUR ACCOUNT? 
AFTER SCAMMING ALL THESE NONSENSE QUESTIONS? LET ME CONNECT YOU TO OUR SUPERVISOR? Them it will take from XXXX waiting time. 
When you ask from Supervisor all these question? Why My account due for {$660.00} Dollars? And Why My Services Disconnected? OH SIR OUR SYSTEM IS DOWN? WE WILL CALL YOU AS SOON AS WE GET OUR SYSTEM BACK. When You call them Back and ask Them Why I did Not Received the Call from your Supervisor? They Hang-up the Phone. 
They Take Your Number and Never Call you Back. I have tried XXXX times and Finally Gave up! 
I Need to File the Compliant Against XXXX XXXX and Get my Full Refund from XXXX and Disconnect the Services and Keep my Phone Numbers and Join other Mobile Services.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Using a debit or ATM card

Complaint: My bank card was kept at the XXXX, NC ( XXXX ) branch of 5/3 Bank after I forgot my password. I told the rep at that location I live XXXX miles away round-trip and asked if my card could be mailed to my home or a new card issued and mailed to my home. The rep at this location offered NO help in retrieving card other than driving the XXXX miles round-trip. I contacted the 5/3 Bank help department THREE times via their online contact option, but I have never been contacted or received my card in the mail. I do not know why this is such a big deal. I can answer any question over the phone that I can answer in person. I just want my bank card, so I can access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Debt collection (Medical) with Capio Partners, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I called Capio Partners to pay off XXXX of my debts and also to advise them that the items was no longer a disputed item. They said it was not in dispute yet it keeps reading that on my credit report and after XXXX plus minutes on the phone I was transferred to several people and forced to pay XXXX bills ( XXXX which I never knew ) was in collections. After explaining that I was reading this information from my credit report because I 'm trying to move they threaten me with the XXXX new items that was never advised to me I had. He said I had to pay them all and that the new XXXX items was going to hit my credit report within 10 days. It hit my credit report on XXXX XXXX 2015, but on the credit report it says XXXX report XXXX 2015 and then report again in XXXX. This is n't true because I 've had my credit report pulled every month for 7 month since trying to get a house and they knew this once I called them to pay and they threw these items on my credit report and dropped my score and still report them as being disputed. Now I 'm being held up with my closing date. They would n't even take my money for a XXXX of them. They said I had to pay all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, Item reported below is not mine. I was never a patient of XXXX and never paid a XXXX. Reached out to Collection Agency listed and they have no record. Not my account. 

1. XXXX, - XXXX Also, I have never provided the name " XXXX ''. That is not my name. Also, I have never provided the address of XXXX Arizona to any creditor as I have never lived at that address. Please update and remove.

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