milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (DC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writing to request the correction of Barclays ' credit reporting on my credit card account. 

The barclaycardus.com website has not allowed some users, including me, to log in since XX/XX/XXXX. My son had the same problem logging in to his barclaycardus.com account, and technical support created a ticket when he called regarding this issue -- ticket number XXXX. However, the problem has not been fixed as of XX/XX/XXXX. Since I was not able to log in to the website for an extended period, a small balance around {$30.00} became past due on the account which Barclays made impossible for me to know since their website was still not fixed. I did not receive any mail regarding this either. Consequently, I did not know any money was due. When I learned of this in XX/XX/XXXX I fully paid and closed the account. Yet Barclays refuses to correct its reporting to credit agencies. As a result my credit score declined by almost 100 points. Barclays made it  impossible to pay the bill by failing to keep its website operational for at least five months. I think Barclays should not be permitted to report their website problems as late payments on my credit history. 

I called Barclays and asked them to correct their credit reporting and was told that I would have to send a letter. So I sent Barclays a letter ( to Credit Bureau Disputes ) to which they responded by saying that they will not make any corrections. 

Customers are accustomed to the ability to check all transactions online or to receive paper statements that they can audit. But Barclays has provided neither. I do n't understand how because of Barclays ' failure to provide me with a monthly statement my credit score has to fall by almost 100 points.

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 10/28/2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On Friday XXXX/XXXX/XXXX I was in receipt of a phone message alllegedly from XXXX stating that needed to call a phone number XXXX to discuss a debt that I do not have nor was any other information given about any so called debt I might have. 

I believe this was an attempt to coerce me into giving private information to sources that use such information illegally. 

My concern is that such organizations give false information out and this gets picked up by credit agencies and create false reports hat cause me to be denied emplyment or creatre false reports tha tlower ratings in other areas. 

AT NO TIME WAS ANY DOCUMENTS EVER PROVIDED SUCH AS A BILL OR OTHER REPORT INDICATING THAT I OWED ANYONE ANYTHING IN THIS MATTER

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 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: At the end of XX/XX/XXXX, I received a CitiBank issued credit card co-branded with XXXX XXXX offering XXXX miles after spending {$7500.00} over 3 months and the privileges of access the Admiral lounges. The annual fee is {$450.00}. In XXXX and XX/XX/XXXX, Citibank launched a credit card promotion with XXXX XXXX which is widely promoted in the XXXX airline cabins. The benefits offered are XXXX miles with {$3000.00} spent in 3 months with the first year fee of {$95.00} waived. 
I called today offering to give back XXXX miles to XXXX and Citibank and to have the {$450.00} fee reimbursed and the card cancelled. Citibank refused to refund even if I cancel the credit card. Citibank claimed that they have a policy of no refund after 37 days while a consumer can dispute a charge billed within 90 days. Citibank is setting a more restrictive refund " policy '' to their own advantage. 
One card was offered with {$95.00} annual fee waived while another premium card fee has to be paid upfront with limited recourse for refund if the card holder is not satisfied with the services and benefits received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I moved from the XXXX on XXXX XXXX on XXXX XXXX, XXXX. 
The XXXX management is attempting to extort me after keeping my {$150.00} deposit. Now XXXX is wanting an additional {$120.00}. 
They are claiming that I left drywall damage, which is not true, the building I lived in ( XXXX ) foundation was repaired XX/XX/XXXX, this is what cracked the sheet rock. 
They also claim door and counter top repairs. The apartment was broken into before I moved in, the repair that maintenance made to the door was sub par and done incorrectly. I noted this on the move in check sheet XX/XX/XXXX along with the counter problems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: i started making payment to XXXX and all of a sudden they switched me to navient in which it seems my loans has increased

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am writing to inform you that, this dept is old, and was placed on my credit report two years after I was told that I was charged because, I was still in their data base. I left this company before my premium was due. I was insured by another company before my premium with them expired, and before my policy expired. This dept was a car insurance company that I switch from back in XX/XX/XXXX XXXX XXXX  company is a XXXX affliate same people. This company has reported this debt again with a different amount to transunion. This debt has been removed and placed back on the report using XXXX and a larger balance owed. I did n't here anything from these people until I applied for dental insurance called XXXX back in XX/XX/XXXX representative requested my information and submitted it. The rep. told me that XXXX is with XXXX XXXX about 2 weeks later a collection was on my report. If a person truly owe you would, you wait two or more years to place the item in collections and give it a new date.

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 02/26/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Carrington Mortgage Services has been a nightmare to deal with. They lied about postponing the foreclosure sale date and working with my on a modification. I spoke to them on Tuesday and was assured that they were reviewing my application and everything was fine. I received a call today, did not bother to even leave a message and I called back to inquire about the call. I was told my modification was denied and the sale date was set for XXXX which is 4 days away. The lady on the phone was rude and kept screaming at me telling me that I did n't have enough income and other issues so no to bother trying to reapply. I am about to be homeless because a greedy bank does shady and unethical things to kick people out of their homes. I was told not to even bother trying to do a short sale because I would n't have time. There is no customer service and no one to talk to that will listen or at least try to help. They lied to be stop me from looking at other alternatives such as short sale or deed in lieu. Predatory practices and simply immoral.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Payday loan () with Big Picture Loans, LLC (TX).
Issue: Received a loan I didn't apply for

Complaint: I have never applied for a loan, done business with, or even heard of Big Picture Loans. 

I received a {$200.00} credit to my bank account from Big Picture Loans on XXXX/XXXX/2016. 
{$200.00} was later debited from my bank account from Big Picture Loans with a note : " Name Mismatch '' on XXXX/XXXX/2016. 
Big Picture Loans then tried to debit an unknown amount from my account on XXXX/XXXX/2016 which resulted in a declined item and a non-sufficient funds fee from my bank of {$34.00}. 

I believe fraud is involved on how Big Picture Loans was even able to acquire my bank account number, and am unsure if someone took out a loan with my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 have disputed inaccurate updates that XXXX/XXXX keeps reporting information as accurate as well as readding amounts already paid. As of today XXXX XXXX 2017 it was updated once again showing that it 's accurate that I owe {$700.00} balance. This account was paid off on XX/XX/2017, even prior to that the balance was less than {$700.00}.

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 07/13/2017 about Payday loan, title loan, or personal loan (Title loan) with CHECK INTO CASH INC. (OH).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: ON XX/XX/2017 XXXX XXXX MY XXXX XXXX XXXX WAS REPOSSESSED. I WAS IN CONTACT W/ LENDER ABOUT MY DEFAULT ACCT AND MADE SURE I MADE VERBAL CONTACT SO THAT MY PROPERTY WAS NOT SEIZED. COMPANY DID ANYWAYS. I HAD TALKED TO CSR 3X WEEK AND A DAY PRIOR TO REPO AND WAS NOT GIVEN ANY NOTICES AND I ASKED IF MY VEHICLE WAS OUT FOR REPO. CSR STATED NONE OF THAT INFO. WHEN REPOSSESSION OCCURRED COMPANY TOLD ME THAT A REPO EMAIL CAME IN EARLIER THAT WEEK THE NIGHT BEFORE I CALLED COMPANY CSR FAILED TO CHECK HER EMAIL AND THATS WHY SHE DIDNT KNOW MY CAR WAS OUT FOR REPO WHEN I ASKED. MY VEHICLE WAS IN A CAR WRECK PREVIOUSLY AND I COMMUNICATED THAT W/ COMPANY AND THEY STATED THAT IT WOULD BE OK. MY ALMOST LOST MY HUSBAND IN CAR ACCIDENT AND I HAVE BEEN THE ONLY WORKING SPOUSE IN MY HOUSEHOLD AS WELL AS CARING FOR MY HUSBAND. I EXPLAINED ALL THIS TO COMPANY AND THEY MADE IT SEEM AS LONG AS I WAS IN COMMUNICATION MY VEHICLE WAS OK. THIS WAS TOTALLY DECEPTION BY FAR. WHEN TALKING TO DISTRICT MANAGER I WAS LAUGHED AT AND ALSO COULD N'T GET A DIRECT ANSWER WHEN I ASKED '' SO I WAS UNAWARE OF MY CAR WAS OUT FOR REPO DUE TO NO ONE CHECKING EMAIL. WHEN REPO OCCURED BREACH OF PEACE WAS INVOLVED ALSO. REPOSSESSION AUTHORITY KNOCKED ON MY DOOR ABRUPTLY AND I WAS SCARED TO OPEN DOOR I WENT OUT THE BACK OF MY PATIO AND MET HIM IN FRONT. AS I WALKED UP TO HIM I ASK WHY HE HOOKED MY CAR AND I JUST SPOKE TO COMPANY 24 HRS PRIOR AUTHORITY  TOLD ME TO CALL STORE ASK I WALKED LITERALLY 5 FEET TO MY DOOR TO GRAB MY PHONE TOW TRUCK TOOK OFF AND SPED THRU A SEWAGE HOLE RAN APT COMMUNITY STOP SIGN AND 1ST STOPLIGHT ON CORNER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: Bank of America was holding a few transactions which were small enough to keep my account from going into overdraft. They were processing these transactions for days until a larger paper check came through which resulted in a transaction reordering. This has happened before and should be illegal and really investigated like it was in 2012. Legislation under the Obama administartion was overlooked and the Federal reserve has done nothing to help the 8 % of the bank account owners from going into deeper debt. 

Transaction reordering should definitely be a crime and investigated to the extent! I just paid {$60.00} x2 for my XXXX credit card payments and over XXXX for a XXXX cable bill. 
' We need to put an end to this and rewrite these Algorithms which are making the banks richer and the poor poorer. They also started charging me a XXXX per month fee to keep the account after 12 years. 
Please help put an end to this and throw these crooks to the curb!

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 10-05-2015 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (OH).
Issue: Problems when you are unable to pay

Complaint: I contacted Mariner Bank requesting debt validation and they have yet to send it to me. I have however rec 'd XXXX threatening letters telling me to get online and pay now or I will be hearing from their attorney. I asked them three times not to call me at work and three times they violated my request. I am not allowed to receive calls at work. Secondly I instructed them to stop calling anyone but myself to discuss this and on XXXX XXXX, 2015 XXXX called a friend of mine in XXXX XXXX Texas after I specifically said not to. I have given them my contact information and told them to write to me and they still refuse to do so and seem to be using the bullying attempt. They are calling his house and they know I do n't live there. I am in financial bind currently due to having to leave a violent home situation and he will not give me my belongings..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been contacting Transunion via mail and phone and online for the last 3 months about unauthorized inquiries. At one point they were removed and put back on and I was not notified within 5 days of that happening. The last time I called the guy said nothing could be done for inquiries over 6 months old, I told him these inquiries are shy of it by days. He would not put in dispute again.     I notified him that these items reappeared after the company BREACH and he said that they were not looking at items dated over 6 months.

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 06-01-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a charge on my credit fro m Southw  est Credit i n the amount of  XXXX . They said that it is from an alarm company which we had but when I asked what the charges are for they ca n't explain that to me. I asked them to remove the charges if they ca n't explain what the charges are for and they said they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: they removed this info. from my credit report without my permission which is in good standards.

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 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Army and Air Force Exchange Service (AP).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I believe that the company misunderstood what my complaint was the first time. I only used my card when waiting for my debit card to arrive. When I did use I paid it off as soon as my debit card came in. ( No more than 1 week ). This occurred initially in XX/XX/2016. In this case I went in to pay my bill as soon as I received my debit card IN-PERSON by going into the local aafes base exchange. I paid the amount in full because I know I used my card recently and then I shredded it because I knew I wouldn't be using it after my debit card came in. Next month I received a bill saying I had money due. It didn't make sense, so I immediately went into the base exchange. I went in the next day and they told me that I already paid my balance and I had a balance of XXXX dollars. I told them I received a bill that said I had a balance. I figured that it was an old bill balance just talked to them and they realized they made a mistake to begin with. I did not receive statements for several months after that, for good reason, I assumed since I hadn't used my card. After 8 months I received a call from my flight commander and said I had a bill due with accumulated interest. I went back to aafes and told them exactly this. They were helpful and apologetic. They called star card department for me. I talked to a guy that was not willing to help at all. He was very hard to deal with, but I was finally able to pay my bill with acquired 8 months of interest. Whether the mistake came from aafes employees, the military star card company, or the XXXX XXXX, I am became a victim without any opportunity to help myself. This severely hurt my credit since I have never owned a credit card before this and it is preventing me from owning a basic level credit card at all.

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 08/18/2015 about Consumer Loan (Installment loan) with PNC Bank N.A. (OH).
Issue: Managing the loan or lease

Complaint: I used a down payment assistance program through the city of XXXX XXXX that is underwritten by PNC bank. The loan is incredibly difficult to service. I had been using online bill pay to pay it, but they stopped sending me a monthly statement because they said I was paying to early. I then switched the payment date to a later date and started getting late payment charges. Every time I call to get service or complain they ca n't find the loan in the system and it usually takes 30+ minutes. Recently, I 've been forced to make payments on the phone because they do n't allow online payment of this loan. They then try to charge me a fee for paying over the phone to which I reply that they do n't give me any other option. Also, the only way I know what my remaining balance is is to call, which again takes 30+ minutes usually to find the loan. My statements do not include any information on how much of my payment is principal or interest. This has caused me extreme frustration and unnecessary fees because they have made it so difficult to service the loan or get any information about it. I 've tried going to different branches and none have ever been able to locate the loan and pay it. I 'm further concerned when the loan is paid off, they will forget to release any liens because they have n't demonstrated an ability to adequately service the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (I do not know) with Ray Klein, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX collection agency on XX/XX/XXXX, they garnished my accounts and then they tried again and again but the Bank, charging me those ilegall attemp to my accounts and they knew I did not have money on those accounts.So that 's Debt is not mine is from XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are XXXX accounts listed which do not belong to me which are XXXX XXXX XXXX # XXXX and XXXX XXXX Bank XXXX I 'm requesting these be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX - XXXX : I have never paid late

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 02-11-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: As I check my equifax credit report I noticed something on my credit that I absolutely knew nothing about, a business called XXXX XXXX XXXX. I have no idea who this company is, I never spoke with anyone from this company and never had I heard of this company before, so for this to show up on my credit it 's fraud, someone had to use my information and I need something to be done cause I disagree with this. It says something about a personal loan which I will never try to get unless my credit is in good standards I want to build my credit not give a care in the world. Please help me clear this fraudulent information.

Company response to consumer: Closed with non-monetary relief