milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (NM).
Issue: Other

Complaint: I just received and activated a Barclaycard Arrival Plus credit card. I was drawn to the card because of their offer of XXXX Bonus Miles if I spend {$3000.00} within 90 days. You can see this offer on their website : barclaycardus.com. Now I find out that there is no Bonus Mile offer at all. In fact, the card does not offer miles, period. I discussed this with their Relationship Manager, XXXX, on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: And old account that I had with Wells Fargo that is paid in full, They claim that one payment was 30 days late. Which is false, the entire time I had the account there was never any late payments

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX is harassing me for a debt XXXX dont owe. The credit bureau know my address and the address that security credit services and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately. They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit 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 08/22/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: , NAVIENT, refuse to remove damaging CREDIT REPORTING information despite receiving BANKRUPTCY documentation that the debt has been Discharged/Set-off/Charged off. NEGATIVELY impacting credit report and violation of FDCPA, FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I traded in my vehicle on XXXX/XXXX/2015 and just checked my credit report and it stated my payment was 30-60 days late and I do n't even own this vehicle anymore and have n't for over a month yet they reported to the credit bureaus that my account is delinquent. I called XXXX XXXX and they said they are looking into it and would call the dealership where I got my vehicle but that does n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Other

Complaint: I had a Chase XXXX XXXX credit card. I had around XXXX XXXX frequent flier miles when I signed up for the card. XX/XX/XXXX I lost the card and asked for a replacement. They never sent me the replacement. XX/XX/XXXX I was charged an annual fee for a card they had not replaced so I canceled the card. This week I went in to book a flight and they said I have XXXX miles. Late last year I had almost XXXX miles and had been paying my card until XX/XX/XXXX. How can they all of a sudden just decide to cancel all of my miles?

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a debt with a phone service which I paid thru XXXX. So I checked my credit report and it says that I still owe for that phone bill but now it 's says from diversified agency. How can I take off this XXXX debt from diversified?

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Consumer Loan (Installment loan) with Risecredit, LLC (CA).
Issue: Managing the loan or lease

Complaint: I have a loan from RISE credit. I have paid {$4600.00} in 10 months and they have only applied {$580.00} towards the principal balance so far. This feels like XXXX to me. Please help! thanks

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (WI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: recently my check was garnished and I was not informed of debt. I contacted the place garnishing my wages along with the " law firm '' neither will provide me with information or verification of the debt. I am currently food stamp eligible, informed them of this fact and they still will not stop the garnishments. They stated that I was served papers XX/XX/XXXX, but I never received any papers and have not signed for any papers. This is debt that was acquired in 2002.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint: i had a   XXXX   XXXX   card that had a balance of  XXXX  dollars on it and i have been making payments towards it since last  XX/XX/XXXX  but i have rencelly found out that they have the debt collection places min. payment is  XXXX  dollars whereas i was told it was  XXXX  is there anyway of getting this took care of because they are threatening to take me to court in a state i do n't even live in anymore

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On XXXX XXXX, 2015, and by certified mail, as noted above to the XXXX major credit reporting agencies, and as documented via uploaded signed certified receipt green card, with my complaint. As per the Fair Credit Reporting Laws, the XXXX listed credit reporting agencies failed to respond within thirty ( 30 ) days. Credit Agencies have listed the account with account number XXXX. The account number is NOT 100 % correct, by law if the information is not 100 % correct namely the account #. IT MUST BE REMOVED!

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Delinquent account

Complaint: We sold our home and forwarded mail to a professional sorting facility since we had no permanent address. We received all our mail fine with the exception of the Shell Gas card mailings which we had received for years just fine. We had used the card once in XXXX billing cycle and did not use it further. After a few months I received notification that my credit score had gone from well over XXXX to less than XXXX due to past due reports from Shell/CBNA. As soon as I discovered a balance due ( we had not received any bills from them ) I called to take care of it. When I called customer service they confirmed that they would remove any negative reports sent and admitted they had all the mail in question returned to them ( strange since we had no issue with anyone else ). They removed the late fees and I made payment right then for about {$70.00} which was the total balance. After a couple of weeks I received a letter stating the negative credit reporting they sent would not be removed. I was furious! I called again and they would not budge on their decision. I closed my account with them forever! They have a policy that if you have no balance due you will not receive correspondence. I did not receive anything. They send mail first class which means I should have received it no problem. I have worked years!!!! to have a stellar credit rating and perfect payment history only to have it tarnished by these lousy people. I may as well default on everything if something little like this takes your rating down that fast so easy! Whats the point in trying so hard to do good!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2017 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Other

Complaint: XX/XX/XXXX has sent out an announcement that they are changing out consumer 's current credit card with a new TRIO Rewards card ( same credit card number ). This credit card will come with a XXXX % to XXXX % interest rate. My current card that I have had since XX/XX/2004 is at XXXX %. Does this sound like something I would be interested in. Absolutely not. This is how I can keep the card that I have at the XXXX % interest rate. Close it! Pay on the past charges at XXXX % and open a new card XXXX same credit card number ) at the XXXX % to XXXX % interest rate. Does this sound acceptable? Not to me. If I can not keep my card with the XXXX % interest rate XX/XX/XXXX will be loosing my business. Evidently it is legal for them to do whatever they want when they want but to, after XXXX years with the same interest rate, adjust my rate because I did not do anything wrong is unacceptable. I am expediting my complaint thru XXXX at XXXX different complaint points and wanted to go thru cfpb to also insure that my voice is being heard. My attorney suggested that I go to this site and file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion is violating the FCRA, ( SECTION 1681 i of 15 U.S.Code ) .Attached exhibit A says Transunion may add 15 days to the 30 day investigation period if the credit agency receives additional information from me during the 30 day period that is relevant to the investigation.Transunion did not receive any RELEVANT INFORMATION FROM ME DURING THE 30 DAY PERIOD.Exhibit B, a transunion response to the CFPB ADMITS that they exceeded 30 days, yet they mistakenly say '' I ADDED INFORMATION ON XXXX/XXXX/2016 '' WITHOUT IDENTIFYING IT.ON PHONE CALLS REGARDING THIS ISSUE TO TRANSUNION FRAUD AND SPECIAL SERVICES DEPARTMENTS, THEY SAY I STARTED ANOTHER INVESTIGATION ON XXXX/XXXX/16 BY PHONE BUT THIS OTHER INVESTIGATION HAS NO RELEVANCE TO THE FIRST PREMIER AND XXXX INVESTIGATIONS BEGUN TOGETHER ON XX/XX/2016.I DID ANOTHER INVESTIGATION BY PHONE ON XXXX/XXXX/2016 ON A TAX LIEN.EXHIBIT C is my phone log of both telephone calls to XXXX AT XXXX XXXX XXXX, TRANSUNIONS TELEPHONE LINE FOR DISPUTES.Exhibit D is the results of investigation and the new credit report created on XX/XX/2016.IT IS NOW UNLAWFUL FOR TRANSUNION TO REPORT THIS ACCOUNT for their own errors in economies of scale, computer errors or for whatever reason.MY RIGHTS ARE PROTECTED BY LAW BY THE FCRA AND THE CFPB WILL ENFORCE THAT LAW.SUFFICIENT EVIDENCE HAS BEEN SUPPLIED HERE TO PROVE THAT TRANSUNION HAS VIOLATED THE FCRA AND LIED TO ME AND THE CFPB IN CFPB XXXX ACCOUNT XXXX # XXXX MUST BE IMMEDIATELY DELETED ON THE NEXT UPDATE UPON RECEIPT OF THIS INFORMATION.

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 06/29/2016 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Today on XX/XX/2016 at XXXX eastern time, a XXXX, from PayPal credit called my parents home. She asked for XXXX XXXX, my mother said he is n't here, meanjng he does n't live here. This person continued and asked is this XXXX XXXX? Which it was, but not XXXX XXXX XXXX, im not married. My parents number has never been in my account since I 've not lived there in 22 years. This XXXX, continued to discuss what my balance was, it was 4 months past due, and could she take care of it today for me? She said last payment was XX/XX/XXXX. Humm that 's 2 months ago? She told her to take {$63.00} to XXXX XXXX XXXX to oay the account and keep it current. Why would someone take it to my bank? They do n't have the account number. 
I called the number on parents phine she i got there to check in them tonight XXXX. A XXXX answered and told me she must have done a generic search for a phone number. They should n't have they called my home two weeks ago and I told them I had n't gotten a bill in 2-3months of which that person said he would mail one. I still have n't gotten it. 
This XXXX took their number off my account of which I never put there as I have my own number and have n't used theirs in 22 years. 
I am beyond upset as it got my mother who is XXXX and I 'll very upset and worried over this they have gone to far and I want restitution for their crime. 
Can u assist?

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently mailed in a copy of my identity theft report to Transunion and XXXX, in order to get information from an identity theft issue blocked. I received a letter issued XXXX/XXXX/2015 from TransUnion telling me that the information would not be blocked without giving me any specific reasons. I have filed a police report as well as an affidavit with the FTC in order to have this information corrected. I have sent affidavits to XXXX in order to have the company investigate the issue at hand as well. 

Transunion has given XXXX general reasons, which are shown in the letter that they lifted straight from the FCRA, even using ( and/or ) for the reasons. This shows that they do not have not made a specific reason to provide me as to why they will not block the information. The majority of the information was inquiries, which can not be corrected simply using a dispute. I have already tried that, and they say they can not remove " factual inquries '' without the identity theft report, which I provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted this company on numerous occassions trying to inform that this account is not mines. I have never had an  XXXX   XXXX  account and to be quite frank I have never even shopped in their stores because they do n't make clothes for my size or style. I contacted them by phone but to no avail the reps were rude as  XXXX . I sent multiple letters asking that they provide me with a contract with my signature and the terms and conditions regarding this account. They pretty much refuse ( see attachment )

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Billing statement

Complaint: I have a credit card account with Capital One. My payments are due by the XXXX of the month and typically Capital One will report account information to the credit bureaus a few days after the payment is due each month. This is what occurred this month on approximately XXXX/XXXX/2015, when my account was updated to reflect the payments made and my balance reflected {$130.00}. I then made another payment which posted on XXXX/XXXX/2015. Capital One did not update my payment history after that payment. However, there was an issue with my bank and the payment was returned ( and subsequently resubmitted after the error was corrected ). I checked my credit report today and Capital One has now updated my XXXX report to reflect the balance of the returned payment even though they had already updated the reporting of the account at the beginning of the month to reflect my payments at that time which cleared with no problem. Consequently, this update caused a nearly XXXX point drop in my credit score. It is very clear that Capital One is electing to report the account at various times with the intent of penalizing me. They did n't choose to update the reporting when my balance was even lower yet they are choosing to do so when the payment was returned. This clearly shows that they are intentionally trying to damage my credit rating in an effort to have me resolve the returned payment ( which I have already done anyway ). This is not the XXXX time they have reported multiple times in a month. The account should be reported after the payment is due and not report again until the following month 's payment is due, which is accurate information. Had I not resolved the issue with the returned payment by my next billing cycle, then Capital One would have every reason to report it in this manner, however, they are opting to do so now before the billing cycle is complete in an effort to intentionally damage my credit rating and to penalize me. I am applying for a mortgage at this time and now have been denied credit due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Previously submitted a claim XXXX, but it was closed by cfpb without my knowledge or acceptance of the response from Navient. 

On XXXX XXXX, Navient contacted me XXXX times, due to payment was due on Student Loan. On the evening of the XXXX, finally got a call from a live person and was able to discuss the loan. I asked a question about getting a quarterly statement of some type of statement from Navient, for which I had received nothing from anyone until it was time to pay back the loan and my son was not enrolled in school any more. If I had received something, I would have been able to make a decision to start paying down the $ XXXX loan, which has now has almost XXXX. I was told by the representative that I should have called them as I know I had an obligation. My question to you is, does n't the financial institution have an obligation to send me a statement, quarterly, semi annually, or something. In the pdf response to be initial claim, the document tells me that I should have received annual statements, which I did not ever receive. And, from Navient representative she confirmed that between XX/XX/XXXX and XX/XX/XXXX, there was no correspondence. 
On XXXX XXXX, I requested a paper Pay-Off letter from Navient and have never received anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Bank account or service (Other bank product/service) with BMO HARRIS BANK NATIONAL ASSOCIATION (MN).
Issue: Using a debit or ATM card

Complaint: I have a duplicate charge from a XXXX for {$25.00} on XXXX/XXXX/16 and have tried to get it resolved with BMO Harris and the XXXX. Neither one is helping me and I do n't know how to get my money back!

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 01/19/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MO).
Issue: Managing the loan or lease

Complaint: I purchased a car from Santander, I had to move because of job related issues I could no longer afford the payments so I did a voluntary repossession. The company sold the car and then still tried to collect the full amount of the car from me. After I was told that all I would owe was any balance if any that was left after the car was sold. They are still trying to collect over XXXX from me and the car was n't even that much to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland FundOriginal balance [? ] $ XXXXCurrent balance [? ] $ XXXXDate assigned [? ] XX/XX/2011Original lender [? ] XXXX Bank Nevada XXXX XXXXAccount number [? ] XXXXAccount holder [? ] Co-makerAccount descriptions [? ] Placed for collectionhas been putting this account on my credit report for over the past 10 years now i would disputer it and two years later if would be back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: my problems with phh mortgage corporation started over a year ago with them not being able to process late payments in a timely manner, giving me incorrect information on what was do and when, accepting phone payments that should have been credited to my account to then turn around and say sorry we sent a check back to you the XXXX check took 2 months to be returned to me the XXXX time it happened it took 4 months after them telling me on a monthly basis it was resubmitted and I should receive it soon. during this terrible time of dealing with their customer service and all the inaccurate information received from them I found my home in a active foreclosure status. in XXXX with the help of the great people at the Minnesota XXXX I was able to make a large payment to phh mortgage corporation that according to their customer service rep put my account completely up to date and that my next payment was due in febuary.even though my payment was much larger then what was due even after late fees were removed ect. I have requested a actual breakdown of what they credited the money towards but have not yet received a response. if it was not for the Minnesota XXXX contacting phh mortgage on my behalf none of this mess would have had a positive outcome. but my struggle with them is not over when I received my bill for febuary it was double what my normal monthly payment should be.i then discovered back in XXXX when I informed phh mortgage corporation that I was paying my property taxes myself the customer service rep told me not to do so I am sure what happened is they were planning to foreclose on the house so they paid everything because it served their needs best.i was given a phone number to liason to the president of XXXX mortgage who uses phh mortgage as their servicing agent to call her if I have any more problems, i have left her XXXX messages in the past 3 weeks and received no response. I do not trust them when customer service tells you different that what comes in the mail, when they tell you your account is current and up to date but its not, they tell you a check is in the mail and it takes 4 months to arrive and your given a number to contact to help make things right and she answers and never responds to a message

Company response to consumer: Closed with explanation