milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: BarclayCard and I entered into an oral and written agreement to settle a past due credit card account on XX/XX/XXXX. The account was settled in full on XX/XX/XXXX. The representative for BarclayCard ( XXXX XXXX XXXX ) informed me that if I settled the account before the end of that month ( XX/XX/XXXX), that the bank would not report a charge off status to the credit bureaus and any tax liability for the account would be reported for tax year XXXX. Neither happened. Barclaycard is refusing to honor their oral and written agreement. On XX/XX/XXXX, I was to informed by XXXX XXXX XXXXl, a representative from the Office of the President, that BarclayCard would not be complying with the terms of the agreement. The written agreement provided by the bank specifically states '' We will send you an IRS Form XXXX by XX/XX/XXXXof the year following your final settlement payment. '' XXXX XXXX went back and reviewed the call with the collection representative, confirmed everything that he said, confirmed everything I stated was true and still refused to honor it the agreement in place, citing company policy and refusing to provide a direct explanation as to why they will not correct the issue. So now, I am left to deal with misguided and inaccurate IRS documents that this bank knows are not factual, all because they will not honor their agreement. This is egregious conduct by BarclayCard.

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 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On XX/XX/XXXX I file a complaint wit FCC against att abusive charges of international call of XXXX. XXXX responded saying my bill will be reduced from {$1300.00} to {$42.00}. XXXX send me a bill in XXXX XXXX for XXXX due in XXXX XXXX and another one in XX/XX/XXXX for {$290.00} I contacted XXXX and after resolving with costumer service I paid the XXXX with the promise to receive XXXX credit back as soon as my account get cleared. In XX/XX/XXXX XXXX reported me account to a collection agency and this collection agency reported to my credit report. The collection agency never contacted me prior to report it on my credit report. Also they had NO RIGHTS to report it on my credit report at ALL. I file another Complaint with FCC regarding att practices and FCC is on the case. I would like to FTC to get in the case and assist me in this matter. I would like to have this collection agency show prof that I won that money and also prof they attempted to collect a debt and I refuse in order for them to report my account to the Bureaus. I am also seeking for damages from XXXX and this collection agency for the damages on my credit report I am in the process to acquire a house and this collection damaged my possibilities severely. I want XXXX and Franklin Collections Services to respond for the damages they are causing me. Thank you XXXX XXXX XXXX FRANKLIN COLLECTION SVCS UNPAID ( UNPAID ). 
XXXX XXXX, XXXX Alert Date XXXX/XXXX/XXXX Source XXXX Company FRANKLIN COLLECTION SVCS Payment Status UNPAID ( UNPAID ) Status Date XXXX/XXXX/XXXX Balance {$290.00} Balance Date XXXX Address XXXX XXXX XXXX XXXX, MS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit card () with JPMORGAN CHASE & CO. (MS).
Issue: APR or interest rate

Complaint: I am under the impression that there is a fairly new law, within 10 years, that states when a consumer makes a credit card payment the amount goes to the higher interest rate first. I have a credit card with Chase Bank that I make more than the minimum payment and a portion of it is going to the XXXX % balance with most going to the XXXX % balance. 
I would like to find out if that is okay for a company to do that, or is Chase applying my payment incorrectly? 
Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am the co-signer for my daughter 's loans. She is unable to make payments so I took over the payments. I pay each loan separately, electronically ( by loan number ) through my bank, before the due date. I received a call today, XXXX XXXX 2015, telling me XXXX of the loans were late. When I returned the phone call, I found out Navient had placed the money where they desired, not where indicated on my electronic payment information. This caused the delinquency. I was on the phone for over an hour trying to fix the situation, I was transferred XXXX times, to different departments. If I send the payments separately, by loan number, how can they take the money and put it where they want? The loans were not delinquent. All XXXX payments were sent before the due date of XXXX 2015. I asked the customer service representative and all he did was transfer me to the person who was supposed to fix the problem. I spent XXXX minutes on hold while she worked through the problem. When she was finished, I asked her the same question. Her answer was that she did n't know. Before hanging up, I requested individual monthly statements be mailed to me for each loan I cosigned and a statement stating this problem was fixed. Navient may be a separate company, but they are still XXXX XXXX at the core.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (ND).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: My husband 's business card was stolen and so he had to use our chase XXXX card to make payment on XX/XX/XXXX for {$500.00} and then again on XX/XX/XXXX for {$5100.00}. We had n't used our XXXX card for several years prior to this. My husband received his new business card and frankly forgot about the two charges he made on the XXXX card and never used it again. We received no statements from chase XXXX for the charges he made. On XX/XX/XXXX I received a call that our account was several months past due. I had no clue of the charges and thought perhaps they were fraud because they were on a card we never used but I recognized one of the merchant names and said I would talk to my husband and get back to them. My husband confirmed the charges and I called back and said they were ours and I paid them that day. However I did n't feel that the {$320.00} in fees and finance charges was fair because we had n't ever gotten a statement. The customer service rep told me they were being sent electronically to email address XXXXXXXXXXXX which was an old email address that I had no choice in closing several years prior. Also I never requested them to be sent to me electronically I have statemebte sent to our physical address. I asked why statements were n't sent through postal after a couple of months of non- payment because they had my physical address and I was told they do n't do that. How about a phone call I asked because if you look at the history on my account for the seven years we used it, it was paid in full and by the due date every month. She said they do n't do that either. She was willing to remove three late fees but would n't remove any more fees. I do n't feel that it is fair to have my husband 's and my credit ruined because we did n't receive notice for over four months that our account was outstanding. We had a current physical address and phone number on file and should have been contacted prior to $ 300+ in fees accumulating on our account.

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

Complaint: My personal information was part of the Equifax data breach.
The breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX / XXXX XXXX XXXX , TX XXXX claims that I still owe them {$2100.00} on a loan that has been closed and placed on my XXXX  Credit Report as a Collection-Charge Off. This information is not correct due to the following terms : 1. Had XXXX XXXX / XXXX XXXX in XXXX TX properly maintained the vehicle before selling it to me than this loan would not even have an amount. Had XXXX XXXX and XXXX XXXX provided me with Buyers Guide in which they didnt this would have been better understood. 

2. XXXX XXXX and XXXX XXXX XXXX TX failed to and refused to repair the car without me paying a high price. XXXX XXXX did not at time of purchase accurately disclose the mechanicial condition of the car that led to numerous mechancal failures, XXXX XXXX did not accurately disclose the prior history of the car. 


XXXX XXXX and XXXX XXXX sold me a defective and poor quality vehicle that had numerous mechanical failure issues. XXXX XXXX after receiving the car back the final time ever did the provide me with a solution just a debt that I feel is not valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (MI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They had called frequent and no stop repeated calls, they have called out side of XXXX, sent me threatening mail to take legal actions and they have done this to a friend of mines, as well. They are harassing me with the non stop calling and mailing of letters. They are mis leading, over charging, dis honest, un willing to work with customers and the calling is non stop and voice mails. They have violated all my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I demanded validation and proof of the alleged account labeled XXXX no reasonable documentation was given to me and this account has still not been validated. i demanded physical contractual proof between me and this company and none was ever presented experian refused to reinvestigate without having validated this to begin with. i do not have a contract with this company and never will and want this removed from my credit report it has been removed from transunion due to lack of validation already

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 04/25/2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (TN).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I went on to Kay Jewelers website on  XX/XX/2017    and applied for credit was approved for {$1500.00} with a 20 % down payment. As, I was looking for an item I called the customer service number ad spoke with a representative who told me that the only store that carried the item was there sister compan y Jared Galleria ( whi ch I did not know at this point they were affiliated ). I asked the rep if I could u se my Kay 's store credit at Jared 's she told me no that I have to open a separate account and I had to go onto Jared 's website and apply. I w ent  to Jared 's web site applied for credit with a limit of {$1500.00} and 20 % down payment, which I was fine with. I made a purchase and within a few weeks the credit bureau reported that I had a  XXXX  credit line and {$0.00} balance with Kay 's and a {$1100.00} credit line and {$580.00} balance with Jared 's. Which is not correct according to the terms and conditions that were sent to me with the  XXXX  separate cards and  XXXX  separate account numbers. This error causes my credit ratio to show higher due to them lowering my original credit limit between to the  XXXX  accounts. I was not told that the  XXXX  accounts were linked or were going to be linked. I contacted the Credit Bureau and disputed this information with them and it is still under investigation, I then calle d Kay ' s on  XX/XX/2017    and was told that the accounts were linked and they are sorry that they did not disclose that information to me or any of there customers. I asked if this could be resolved to reflect the correct credit limits on my credit report and she told me no there was nothing she could do.I did not see how this can be right to the consumer.Although they state the credit amount may be reduced they then turn around and tell you you ca n't use the credit with their sister companies. I feel as they they are misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to get a short sale done. The lender is not responding to our request. 
I am a sale date of XXXX XXXX 2016 and BSI Financial will not give me any status on the process. I have a willing buyer that submitted a offer over a month ago and we have not gotten any response. Who can help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NH).
Issue: Managing the loan or lease

Complaint: I called in to set up payment arrangments on my loan. The guy was giving me a hard time. Then the rep thought he put me on hold and he did n't and I heard him say XXXX. That is un called for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2015 about Credit reporting () with Experian Information Solutions Inc. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i got the information from my XXXX that showed experian will not provide the info on my credit score report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple credit inquiries that I did not authorize. I have contacted  XXXX ,  XXXX , and Equifax to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: We refianced our home mortgage in 2015, and the loan was sold Caliber Home Loans in XXXX, TX ( XXXX # XXXX ) for servicing. in XXXX, Caliber informed us there was insufficient money in our Escrow account to keep the monthly payment the same, and listed the new payment amount. They also included a smaller monthly payment amount if we sent them approx. {$300.00}. 
We wanted to keep the payments for our loan from increasing, so we sent the {$300.00} amount, PLUS the difference of the monthly increase XXXX. 
They returned the difference. I sent another check for them to keep our monthly loan payments the same, and they AGAIN returned the money, saying, by law, they had to return anything more than {$50.00} that was required by Escrow calculations. I explained that I did n't want them to add it to Escrow, but to keep the payments as they had been in 2015. 
They said they are unable to keep the payments fixed, even though I twice sent them monies which would do that very thing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax after reporting illegally and wrongly is engaged with lenders, creditors, and subscribers for the specific purpose of enriching their own bottom line, regardless of the accuracy of the reports. 
I requested a investigation letter dated to me XXXX XXXX, XXXX, disputing items on my current credit report. 
1. XXXX XXXX, informed Equifax that the creditor had issued a debt forgiveness form, ignored, stated that they verified the account, the real problem with the statement that they verified the account is the lender who address they list is n't there anymore, and upon my own call, does n't maintain a debt for me any longer. 
2. XXXX XXXX XXXX XXXX, Equifax stated in this letter that they verified this account, this account was sold to XXXX XXXX in XXXX XXXX, and paid directly to them, this account is n't even in Santanders inventory any longer, they lied. 
3, XXXX XXXX XXXX, this account is 12 years old, no activity for 12 years, conversation, payment or other communication, it is as statue past the reporting period but illegally being reaged by the lender, and conspiracy by equifax. In their defense they say it could be seven year from last activity or 10 years from date reported, its been 12 years. 

I am a combat veteran of the United States XXXX, and these illegal reporting is preventing from purchasing my first house, I am also a XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/24/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax dispute process does not even confirm or not confirm the investigation items requested. On several attempts now I have disputed a foreclosure and collection accounts to no avail still result with the same thing that they have verified the account belongs to me. Documentation has been provided showing evidence the account should be deleted along with the creditor themselves submit request to have it removed. The accounts in question on my report with Equifax are XXXX, XXXX Michigan, and XXXX. All other credit bureaus are reporting accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 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: On XX/XX/XXXX my insurance - XXXX XXXX XXXX - paid XXXX XXXX XXXX {$100.00} for services. <P/>On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent to Equifax a collection item of {$100.00} On XX/XX/XXXX, my Equifax FICA score had dropped 60 points because of this collection item. <P/>I received no notification from the Debt Collector or XXXX XXXX that they were trying to collect this item from me. <P/>After a series of phone calls, XXXX XXXX confirmed the item was paid and provided the check number, we relayed this information to all parties involved, including Equifax We believe all parties involved XX/XX/XXXX up, violated the law by not notifying me of the collection - while I suffered the humiliation

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Student loan (Federal student loan servicing) with ACS Education Services (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Currently my loans are being held by ACS Education Services. I have been in their IBR program since XXXX XXXX. I was divorced 2 years ago, married and filing separately with XXXX individuals living in the household ). Over the last 2 years, with some modest raises, my payments to ACS have DOUBLED and the payments are now becoming unsustainable. Before the ACS IBR payment increase this year I submitted paperwork to get my student loans removed from ACS to turned over to Federal Student Aid under the REPAYE program. ACS has assured me multiple times that all of my paperwork has been completed correctly, however it 's been over 4-1/2 months and they continue to tell me that they are " processing '' my request, while I am making an unsustainable monthly payments. I call them every two weeks to check on progress. I have been told that they have " expedited '' my request ( nothing happened ), and then called again in tears one month ago and asked if I needed to contact an attorney to get help with this matter. They immediately transferred me to a " supervisor '' who " opened an issue '' with my account and said she would personally and physically monitor my account each day. I called yesterday, after 3 weeks of not hearing anything, and was told curtly that my request is " still processing. '' I fear that nothing will happen and I am struggling to pay loans, take care of my child, pay my mortgage and condo fees. My credit score is dropping because I 've been using my credit card to make up some of the difference. I 'm scared and ACS ( owned by XXXX XXXX ) appears not to care how desperately I am trying to remain in good standing and repay my debt, but under a different program, the REPAYE plan that President XXXX established in XXXX. ACS says they do not " honor '' the PAYE and REPAYE programs which calculate payments that are 10 % of XXXX 's discretionary income vs. 15 % for the IBR plan. 

I have a great job by almost anyone 's standards, I managed to purchase a small condo this past year ( and pay less in a mortgage than I did in rent ), and I am taking care of a young child. But I am on the edge of failure because I am stuck in a precarious financial position. 

FYI, My loans are connected with education at XXXX and XXXX. My only complaint with the institutions are that they let an art student who had no parental support, access such large amounts of loans. I do n't think it 's their fault I borrowed an incredibly unrealistic amount of money for my education, but I 'm not sure they cared in the XXXX and XXXX how someone was going to pay back the loans. Thank you for your consideration.

Company response to consumer: Closed with explanation