milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2018 about Debt collection (Other debt) with I.C. System, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Last Reported XX/XX/XXXX Collection Agency I C SYSTEM Original Creditor 01 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$160.00} High Balance {$160.00} Remarks Placed for collection The action I took was to deal with the membership company in regards to letting me postpone for a later date. I was unemployed at the time and only XXXX years old. They told me there was nothing they could do. I didn't want it affecting my credit at an early age which is why I want to fix it now. They were not helpful at all. I never received notifications that I am able to dispute.

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 08/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: APR or interest rate

Complaint: I opened up this credit card in 2008. I have never been late on a payment. The majority of this debt was consolidated date because I had a 7.79 percent rate on this card. I always paid double the amount of the min payment. This last year I have been working hard to get other debt with higher interest rates paid off so I reduced my payment to the minimum on this capital one card. My payment was {$250.00}. I went out of town for a period of time in XX/XX/XXXX and XX/XX/XXXX and my bank makes the payments automatically. Unbeknownst to me the min payment went up {$3.00}. So in XX/XX/XXXX they received {$250.00} instead of {$250.00}. In XX/XX/XXXX ( I was out of town and did not know it was {$3.00} short ) They received {$250.00} instead of {$250.00}. I got back and realized they have raised my APR from 7.79 % to 24.99 % over a shortage of {$3.00}. I called and asked them to reduce it back considering my history of never being late and simply because it was not ethical to raise the APR to 24.99 %. I will never get out of debt paying this rate. I spoke to XXXX different people over a period of 3 hours. The last person XXXX ID # XXXX basically said she knew and understood what had happened and she knows what I want ... to have the rate lowered back to the original..but she WAS NOT DOING IT. It is not a matter of the dollar amount agreeing that {$3.00} was a meager amount to be short but rather that I was short twice and that it was not worth saving a good customer over {$3.00}. She was a horrible customer service rep. I wonder if Capital One really does not value good customers as she portrays. I want the interest rate reduced back to what I deserve having always paid on time. I was not " Late '' on a payment I was short {$3.00}. That does not warrant raping me financially. I owe Capital One {$15000.00}. They stand to make a lot of money over a {$3.00} mistake and this should not happen much less be legal business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2011 I sent a Debt Validation letter certified mail return receipt requested to Portfolio Recovery Associates , LLC. I have never received a response. Portfolio has been reporting this invalidated alleged debt to the XXXX Credit Bureaus since I sent the letter ( over four years ago ) which is considered further attempts to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: I am on Social Security XXXX because of an XXXX and I am supported by the Massachusetts Department of XXXX. ( I can supply more detail about my XXXX as needed ; suffice it to say XXXX. ) My father is helping me with this letter because he is my Representative Payee. This complaint is against the Bank of Santander. On XXXX XXXX, 2016 I deposited a {$2300.00} check made out to me from XXXX ( attached ) in my account at Santander Bank.. During the days that immediately followed I used my debit card from this account and incurred charges of {$2100.00} ( {$1500.00} at XXXX ALONE ) all before the check from XXXX was reported as fictitious on XXXX XXXX. I thought I had money in my account and I thought I had the type of account which could never be overdrawn. On XXXX XXXX, 2016 I went with the financial adviser provided to me through the Massachusetts Department of XXXX XXXX to meet with Bank of Santander officials in XXXX, MA near my house. They referred us to the OVERDRAFT RECOVERY DEPARTMENT where we were told that, regardless of whether the check I deposited was fraudulent, I needed to pay the entire balance of {$1900.00} by the 35th day of the account being in the negative ( We believe that date is XXXX XXXX. ) or they would turn the matter over to XXXX and I would not be able to open any account with any bank in the United States for 5 years! NO GRADUAL REPAYMENT WOULD BE CONSIDERED even though I am an adult who is unemployed and indigent and on XXXX, and my parents are around XXXX years old. On XXXX XXXX, to show good faith, my father deposited {$400.00} in my account at the Bank of Santander. On XXXX XXXX I, again with XXXX XXXX my state-funded financial adviser, returned to the local branch of the Bank of Santander. This time the Personal Banker Representative and the Branch Manager went out of their way to be helpful. Because they were " concerned that my account was compromised '' due to the deposit of the fraudulent check, they closed my account and issued me a new checking and savings account. BUT, incredibly, on XXXX XXXX I got a call to return to the Bank of Santander to get my deposits back as the Bank of Santander reversed itself and now told me they could not open the new accounts as I had one in arrears. I have not been able to sleep since this happened. On XXXX XXXX, my father, acting as my Rep Payee, submitted claim number XXXX to the federal Consumer Financial Protection Bureau but on XXXX XXXX he learned by phone from CFPB staff that the Bank of Santander refused to consider the complaint because I needed to submit the claim myself. So, my father is helping me to submit the claim again ; this time directly from me.

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 05/18/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OK).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This complaint is against the company Midland Credit managment Inc. ( MCM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. ( Reference XXXX XXXX # XXXX and MCM Act # XXXX ). 

I sent a letter to MCM concerning the above reference account which stated " This letter is to inform you that the above referenced account is being inaccurately reported to XXXX and XXXX. And, to request that you correct the errors by reporting the following accurate information : Date of Last Payment : XXXX/XXXX/2008 ( payment confirmation number XXXX ) Copy Enclosed and Date of XXXX Delinquency : XX/XX/2008. 

To which I received the standard MCM response of " you did not provide sufficient information '' and " we deny that our records are inaccurate ''. ( The same response I received on my Tribute account ( see CFPB Case number : XXXX ) I believe that Midland Credit Managment Re-Ages the debts they purchase so that they stay on the consumers credit reports longer than allowed by FCRA. Attempts to confirm information with MCM is to no avail as this is the only response I can get from them and they will NOT provide documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2015 about Prepaid card (Mobile wallet) with Empowerment Ventures, LLC (CT).
Issue: Fraud or scam

Complaint: I have an account with Rushcard and I 'm sure you know why I 'm sending this complaint. I have not received mymy direct deposit from my employer due to the " technical glitch '' they suffered. It 's quite obvious I 'm struggling to get by I jus want wages and dealing with these representatives for 10 days has made things more stressful. Yesterday I called and they said my funds are showing but there 's a problem from it to deposit on to my card. The lady said that she put in an escalation ticket to a higher up to deposit my funds. I wake up today to find no funds in my account still. I called to find out what happened and they told me my deposit is not showing. From there I asked to talk to a supervisor and they came to the resolution of sending an email to her supervisor or board to handle the situation. I 've been demanding a certified check and they told me that the higher ups will make that decision. Everything is recorded I just hope I get my money soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2016 about Credit card () with BARCLAYS BANK DELAWARE (DE).
Issue: Rewards

Complaint: I opened a credit card with XXXX issued by Barclay 's cards XXXX after seeing a promotion from XXXX that if I will spend {$500.00} or more within 90 days I will receive XXXX miles as reward in my credit card. I applied for my credit card in XXXX XXXX and spent more than {$500.00} in XXXX XXXX ( statement is attached for you reference ). Till today ( XXXX/XXXX/XXXX ) I have not received any miles in my card. 
I made numbers of calls to XXXX customer care as well as Barclay 's card. I called Barclays in XXXX XXXX to inquire about the earned miles ; they said it will credit in month of XXXX, XXXX after a billing cycle. Again I called to Barclays for this issue in first week of XXXX, XXXX. They said that XXXX has given wrong member id because of which miles not has been showing my fly XXXX Member # : XXXX which case number from Barclays were XXXX and mentioned that it will transfer in 10 business days. After this all communications my miles has been not transfer to correct XXXX Member # : XXXX numbers. 
I again called to both companies in the month of XXXX XXXX. They said that they are investigating the issue and it will take another one month for transferring these miles. After 4 months, after all this call on XXXX/XXXX/XXXX XXXX just provided complaint number XXXX. They said it will be resolved within 10 business days. Today ( XXXX/XXXX/XXXX ) again I called them and still they are saying it will take time as they are investigating the issue. I am highly frustrated with this disservice by XXXX and Barclay and feel I have been cheated. I want escalate this issue and want solution for this problem. 
My fly XXXX Member # : XXXX. Please help me. 
Barclays card number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent a request via certified mail : I am requesting the removal of a bankruptcy ( below ) on my credit report due to Civil Case No. XXXX XXXX, XXXX XXXX, XXXX XXXX, v. XXXX XXXX XXXX XXXX XXXX , I did not know the source of their information on those judgments and bankruptcies and due to this, XXXX, TransUnion and XXXX has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Bankruptcy Ref. # XXXX Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. My request have been ignored and unfulfilled and not validated : XXXX has the phone # XXXX listed ( which is a recording stating " You have reached a none working number. '' as a source of validation on the XXXX report. I have tried to speak to Dispute dept Reps from XXXX  only to be told that they use a 3rd party to validate the Bankruptcy, but did not know the name of the 3rd party company that XXXX uses so they could not help me or remove it from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I filed Chapter XXXX in XXXX 2013. We did NOT include our mortgage, however, Bank of America has reported on our credit report that our mortgage was surrendered in a bankruptcy. This is a bold face lie. We continue to pay our mortgage regularly and on time to Bank of America, yet they will not remove this lie from our credit report. Also, they have not been reporting our ON TIME payments to the credit reporting agencies. This has been ongoing for almost TWO years. What can we do to force Bank of America to correct this injustice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (TX).
Issue: Taking out the loan or lease

Complaint: PayPal signed me up for a loan when I thought I was paying for some goods with my checking account. I did not want to open a credit account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MI).
Issue: Account opening, closing, or management

Complaint: I had an account with Suntrust Bank in 2012. The account sat still for several years after I called to close the account and was confirmed by a telephone representative and accumulated fees that I was never informed of. I received a XXXX overview and Suntrust Bank has had all of my recent addresses on file to which they could have notified me. Instead I now " owe '' over {$400.00} because of this scamming. I am having difficulty opening new bank accounts due to this issue. It would be lovely if Suntrust would work with me and if this was all just a lack of communication on both parties.

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 07-09-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has an on-line dispute program, but the system does not allow a dispute to be entered. After numerous attempts over a period of days I have not been able to access my record to dispute inaccuracies that exist and that have a derogatory effect on my credit score. The preliminary section asks for name, ssn, address & e-mail, and after entering this standard information, I am redirected to a page that informs me that Equifaxs ' records do n't match the information I entered. Seriously, my name, address, SSn and e-mail? Please. Equifax has never adequately removed information and I have filed other disputes regarding their failure to respond to my credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, I received my credit report and to my surprise, I had AD ASTRA RECOVERY SERVICES listed attempting to collect a debt. On XX/XX/XXXX, I sent a certified letter to AD ASTRA RECOVERY SERVICES requesting the company prove I am the party who is by contract obligated to pay off this debt, which I have the right per 15 USC 1692g Sec. 809 ( b ) of the FDCPA. AD ASTRA RECOVERY SERVICES did not validate the debt but indeed only sent a bill. If this account continues to report inaccurate and invalidates information to the three credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute fraud under both federal and state laws. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Chase sent a partial response to my complaint XXXX and I could not respond, therefore, for the record:XXXXXXXXThe response from Chase Bank is very typical of this company and the company tactics they promote to home owners in default wanting to refinance under the HARP plan. 
Chase knows who I am ... .... if the professional employees who work within the EXECUTIVE offices do not know how to do a customer SEARCH within Chase database ... .I guess that highlights exactly what is so WRONG with this company. 
Chase stalls, misleads, makes statements to loan owners that is NOT correct and Chase will not admit that Chase representatives make horrible errors working with home owners in default. Therefore, the mortgage errors become the home owners fault NOT Chase. Home owners then face auction sales, because Chase refuses to process HARP paperwork. 
IF Chase really does refinance under HARP then:1. Process paperwork on a timely manner to meet federal guidelines. 
2. STOP threatening home owners with wrong statements. 
3. STOP sending properties to auction - even when they are processing HARP paperwork. 
4. SEND loan modification plans to home owners NOT bogus plans that mislead home owners. 
5. Communicate accurate property values to home owners NOT bogus appraisals. 

If Chase was more accurate and honest with their COMMUNICATION I would pick up the phone and call them. However, as proven ( by written documents from Chase ) Chase verbally misleads and makes horrible statements to home owners. When a home owner challenges the wrong statements Chase only says " SORRY FOR THE CONFUSION, YOU MUST HAVE MISUNDERSTOOD WHAT THE CUSTOMER REPRESENTATIVE SAID '' Yeah right!

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Contacted TransUnion and advised that hard inquiries were deleted and reinserted in my file.  Told Tr ansUnion their glitch caused this problem. Told my representative it 's not his problem.

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 09-07-2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Customer service / Customer relations

Complaint: I paid my minimum payment of {$51.00} on time to Chase bank on XXXX XXXX, 2016. I almost immediately received an email confirming my payment. On XXXX XXXX I received an alert from Chase that my payment had not been received and I was assessed a {$25.00} late fee. I immediately called and spoke to a rep who told me there was an issue with the system and to give it some time and the payment should process and the late fee should be reversed. Eventually within a day or so the payment was acknowledged and the fee was reversed. However, at or around the XXXX or XXXX an additional payment of {$51.00} was deducted from my checking account. There was not enough money to cover this second deduction and my bank charged me a {$35.00} overdraft fee. I am 100 % certain that I did not log in and make that additional payment, but they are insisting that I did and are refusing to cover the overdraft fee. Like I stated earlier, the first thing I did after receiving the initial warning that my payment had not been received was call them and I was told that they were experiencing issues and I was assured the payment would eventually clear. I would never risk making an additional payment of {$51.00} before contacting the bank because the money was simply not in there and I know these glitches can happen. Furthermore I explained to them that even if I did personally make that second payment I would have been justified considering I received a warning stating my payment had n't been received along with the late fee. Either explanation is n't getting me anywhere and I 've spent close to an hour on the phone with reps. I 've been told twice that the issue would require the assistance of a supervisor of sorts and that it could take up to 3-7 days to be contacted by one. At one point my checking account was negative {$75.00} with other bills upcoming. Luckily I had a family member who was willing to help me out being that I am currently unemployed. I feel it is extremely coincidental that the one time that Chase happens to be having payment issues I somehow mistakenly make a double payment. It is much more likely that the error ties into whatever issues they were having and the payment was registered twice. I am extremely insulted because I am being called a liar and being told I did something I know I did not do which was log in and make a second payment. Finally, I have lost confidence and trust with Chase because I feel that they are unwilling to acknowledge an error was made on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/2017 and are proceeding to sale set for X/XX/17 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. The lender is also not allowing time for the appeal period to be address and responded to prior to proceeding to sale. The denial letter has also not been 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