milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NJ).
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint: XXXX mailed me a form that said I was pre-selected for their Arrival+ card. I would earn XXXX bonus miles after spending {$3000.00} in the first 90 days. Apparently, their pre-selection process is not very good because they eventually sent me a letter requesting additional information. I had to call them to find out what. Annoying. So the person on the phone informs me that they need photocopies of my driver 's license and Social Security card and a bank statement with my address. //////////////////////// The person also informs me that the XXXX mile deal has expired AND that they 've already done the hard pull. So XXXX has now harmed my credit and taken away the bonus that was the reason that I applied in the first place. All due to their fake pre-selection process ( which is really just spam ), their business practices of doing a hard pull before getting the information that they need, and their own sluggishness. //////////////////////// I sent in the info anyway because, oh well, they already did the hard pull. This was on XXXX XXXX. //////////////////////// Then on XXXX XXXX, I received a letter asking me to send in that same additional information. I went to their website and they have a feature to check my application status. I put in my information and the message is, " Currently we are unable to offer you a credit card issued by Barclays Bank Delaware. '' This has nothing to do with my creditworthiness. I have a job that pays well, no debt, no mortgage, a nearly perfect credit history, a FICO score in the high XXXX, and I have never been rejected for a credit card. This is n't even a very good one.  This is due to their complete mismanagement and spammy credit offers.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had 3 auto loans with the same company. All loans were paid and closed in XX/XX/XXXX. The date of last action on my credit report should be between XX/XX/XXXX and XX/XX/XXXX however i just got notice from XXXX that there was a new late pay from this company. This is impossible since the only loans i had from this company have been paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt was on behalf of an apartment rental company. Upon dispute, I agreed to pay a option of the amount owed, which is equivalent to what is now in collections. After filing my dispute, I was not contacted again.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Other debt) with St.John Cobb Inc (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Re : St John Cobb Inc. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX Phone # XXXX I received a letter from them claiming that I owed them {$36.00} for False Alarm fees that I had not paid. They said my case had been referred to them for collection, and I had 5 days to pay them. I went to the City of XXXX utility billing office and they said they never heard of this company. I also went to XXXX Police dept and they had never heard of this company. I called XXXX XXXX XXXX, and they said they were not showing any false alarms or late payments on my account. I therefore believe this is a scam, and I am not paying it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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 submitted two requests to Trans Union to verify and validate the information on my credit report regarding two charged off accounts. On all three occasions they failed to provide me with all relevant documents, the name of the person who verified the information, and the method that was used to verify the accounts. My first submission was XXXX XXXX, XXXX. The accounts disputed as charged off were XXXX XXXX and XXXX XXXX. My second dispute was XXXX XXXX, XXXX. The disputed accounts were the same. In both responses, Trans Union stated that the information was simply verified and updated without any proof of such verification. Under the FCRA the credit reporting agencies are required to have a copy of the original signed contract, copies of account statements, and are to provide the names of the individual from the company which provided the information. Trans Union has failed to complete a thorough re-investigation as required by the FCRA. It is my understanding that all disputes are out sourced to foreign contractors and they are given an average of 18 to 90 seconds to investigate a dispute. This is a direct violation of the FCRA in that the re-investigation is not conducted properly and by an actual employee of the credit reporting agency. I request that the practices employed by Trans Union and the other major credit reporting agencies ( XXXX and XXXX ) be investigated as they continue to violate the rights of consumers with no fear of prosecution.

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 01/17/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX private student loans through wells fargo. I pay and have paid each month since the inception of my loans. I often " pre-pay '' or pay early depending on my pay days. I was not aware until today ( some XXXX years later ) that if I pay prior to the issuance of a billing statement that, rather than apply that money towards the monthly amount due and owing, wells fargo instead makes a double payment for the prior month and then shows me delinquent the following month. This has created a snowball effect where I am paying early but because they applied a previous months payment to the prior month thereby doubling the payment, I am then delinquent and when I think I am paying early, due to their applications of payments, I am actually paying a false delinquency. I have called previously and was never told I can not pay early. So now, I have faithfully paid my student loans for XXXX years and they have falsely reported that I am delinquent to my account which is now on my credit report. I find it inconceivable that because I paid an amount early, before a statement is issued, that I would be penalized the following month with bad credit reports and late fees. I have never missed a monthly payment yet because according to them " I can not pay a bill before it is issued/exists '' that I was correctly reported delinquent despite pre-paying the loan. I spoke with the Wells Fargo, also disputed my credit report and have not had the problem fixed. They simply repeat that I because I paid " considerably early '' I was delinquent the next month and the credit reporting was correct. I have never had this be an issue with any other institution regarding an auto loan, a personal loan, and/or other student loans. I can say with total honesty, what they are doing is deceptive and probably has affected other similarly situated borrowers. I am lodging a complaint here as well as considering initiating a class action against Wells Fargo. Penalizing a borrower for paying early so that they can collect late fees and/or report false delinquencies is the definition of bad faith. I am extremely disturbed that such a practice would continue despite their other rulings for bad credit practices etc. Be warned, if you pay a student loan payment before the " Statement is issued, '' it will go to an extra payment for the previous month, you will be deemed delinquent for that month, and you will have a negative report issued to the credit bureaus. Wells Fargo did nothing to work with me to understand the issue but simply repeated the false refrain of " Our credit reporting was correct. '' This is the worst banking institution I have ever dealt with. Avoid Wells Fargo like the plague.

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 09-06-2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Complaint filed on XX/XX/XXXX with company - they continue to send me collection letters. The original debt was {$280.00}. You do not pay more for debt when you purchase it. Being in the default industry you buy debt for pennies on the dollar. This company is stating I owe them 5x times the amount of the original amount. 

The original creditor was XXXX XXXX XXXX. The collection agency assigned to this debt was XXXX XXXX XXXX ( XXXX ) account # XXXX. XXXX sold this collection account on XX/XX/XXXX ( approximately ) to XXXX XXXX XXXX XXXX, XXXX ( account number XXXX XXXX ) and the amount of {$1500.00}. I am confused. 

Former complaint number : XXXX Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

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 05/30/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: TRANSWORLD SYSTEMS INC. HAS  FAILED TO TIMELY VALIDATE THE ALLGED DEBT AS REQUESTED BY MY DEBT VALIDATION LETTER SENT TO THEM OVER 2 MONTHS AGO. BASED ON INFORMATION AND BELIEF, THE ALLGED DEBT IS NOT MIND. THESE PEOPLE CONTINUE TO CONTACT ME AT HOME OVER AND OVER WITHOUT VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: Us Bank charged me XXXX overdraft fees when my account was not overdrawn they were XXXX .for each one. I want my money back my account was not overdrawn. This happened on XXXX/XXXX/16 and XXXX/XXXX/16. Thank you.

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 08/30/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Rewards

Complaint: I opened an American Express XXXX card in XXXX 2016 with a XXXX point membership rewards bonus after spending {$3000.00} within 90 days. I spent over {$3000.00} on the card and the points posted to my account on XXXX. They were listed as " available '' in my rewards account and I used some of them to book flights. On XXXX, XXXX points were deducted from my account, leaving me with a negative balance. When I contacted Amex about this, they informed me that I had returned purchases and no longer qualified for the bonus. I 've not returned any purchases, ever, on this card. When I inquired further, they agreed with me ( on a recorded phone call ) that I met the bonus requirements and a computer glitch had caused the points to be deducted. They informed me that the points would be added back to my account soon. That was several weeks ago, and as of today, the points have not been added back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I submitted a request for a Security Freeze because I am a victim of identity theft. I have sent the request twice and they have continued to reject my request and not protect my credit althought I sent police report, drivers license, ss card and proof of address. I sent certified on XXXX XXXX XXXX and XXXX XXXX XXXX. I sent for my wife XXXX also. XXXX have not been responded to. They signed for XXXX letters

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Debt collection (Medical) with AMERICAN ADJUSTMENT BUREAU,INC. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A couple years ago XXXX XXXX bills showed up on my credit report. These are Not my bills. I spoke with American Adjustment Bureau and explained these bills were not mine. They were removed from my credit report. it has been a few years and now they have reappeared. I 've contacted American Adjustment Bureau and they tell me they do not have these bills on file. How can they put it on my credit reports if they do not have bills on file. I have not used XXXX XXXX for severces in many years. I would like to file a complaint against American Adjustment Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with PNC Bank N.A. (NJ).
Issue: Other fee

Complaint: please make sure you escalate to someone other than XXXX XXXX. he has not responded to my calls and sent merely a script not addressing the issues. Please send to ceo. if i get an answer from logan i will be incensed and demand someone else. i again got interest. pnc limites the times you can pay from an external account so i made a payment on XXXX when it was clear i intended to pay the whole balance. like my record indicates and it zapped me with a minimum interest charge. i want it back. in addiiton when i called to pay the hold time was over XXXX hour. what else could i have done? due date was XXXX on card XXXXcan not use my cards now. 
i want this sent to someone else and handled. this is pure greed and trickery. please refund my interest. without a script or explanation of how its charged as i am not asking that and that is not the issue. 
either make it easier for someone to pay externally or do away with interest but no traps.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I went to XXXX in XXXX XXXX. XXXX location to be exact. After the for profit school manipulated me on getting a XXXX XXXX degree and promised employment soon after graduation. I shortly realized it was a lie. Now I 'm stuck with this huge federal loan, while all of the XXXX closed down due to a lawsuit. Now I 'm trying to plea with navient that my college closed down, and that the degree is useless / not creditable. They did not care at all and forced me to pay Make payment on my loan that has high interest. I need help to resolve this XXXX. I emailed my complaint to XXXXXXXXXXXX for help. Hopefully they can discharge my loan because my degree is worthless and because my for profit college lost a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (VA).
Issue: Credit card protection / Debt protection

Complaint: There was a non authorized transaction on my credit card ( that had a XXXX balance ). The company, First National Bank of Omaha, allowed for the transaction to take place. While I disputed the charge, the company proceeded to charge me " late fees '' in excess of {$100.00}. I now have a negative outstanding item on my credit report with XXXX. I ask that this be corrected immediately. My consumer rights were violated by multiple institutions and I ask for CFPB 's assistance in making me whole. I ask that the item at XXXX be removed from my credit report immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ability Recovery Services, LLC (WA).
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: For about 6 months, I have been disputing an collection account placed with the credit bureaus by ABILITY RECOVERY SERVICES , LLC. 

This is not my debt. I have previously called the public phone number for Ability Recovery Services and explained that I am not going to pay a collection that is n't mine and to remove the fictitious report from my credit report. The debt collector hung up on me. 

I have disputed with XXXX and XXXX and they have still not removed the account from my credit report. 

I have filed a CFPB complaint ( # XXXX ) against Ability Recovery Services and their response was they will be requesting validation and send it to me. 

In the meantime, they are tarnishing my credit. 

CFPB please help me. This company must be investigated for these illegal acts. They are ruining my credit report. Ability Recovery Services is responsible for me being denied for a credit card solely based on a collection account they reported.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Follow up to complaint # XXXX - Dated XXXX/XXXX/XXXX and complaint # XXXX - Dated XXXX/XXXX/XXXX This is an on going case since XXXX I paid off my entire mortgage loan balance with chase as of date today - Chase still did not issue the lien release of my mortgage. As of result of this, I have not been able to sell my house. 
I have legal Representation who is acting on my behalf. 
His Contact information is as follows : Law Office of XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Prepaid card (Government benefit payment card) with NETSPEND CORPORATION (VA).
Issue: Unauthorized transactions/trans. issues

Complaint: My tax refund was direct deposited to a netspend prepaid card. I filed my taxes with turbo tax. Once my tax refund was deposited to my netspend card within a week and a half there was fraudulent activity on my account so I filed disputes and closed my netspend prepaid card account. 

Once the disputes were investigated it was proven that fraudulent activity had occurred and I was to be credited back {$340.00} back. Since my account was closed I was told that I would be sent my return of funds by check mailed to my address of record. When I never received my check I called netspend several times and literally spent over 3 hours on the phone in XXXX different calls trying to find out when I would receive my refund from netspend. I was hung up on several occasions. I was treated very rudely then I was told that my check was sent to the IRS because that is who originally deposited funds in my netspend account. 

I spent countless hours on the phone and in person with the IRS only to be told that they have nothing to do with a refund due me from netspend because of fraudulent activity on my netspend account. The IRS stated they never received anything back from netspend. The IRS said once my original tax refund was deposited into my account they have nothing more to do with my netspend account. That makes sense to me. 

After speaking with the IRS I made several more attempts to get my {$340.00} from netspend. Once again they told me that they sent it to the IRS. The IRS states they never got it and would never accept it even if they did. 

This has been going on since XX/XX/XXXX. It is now XX/XX/XXXX and I have yet received my {$340.00}. I keep getting the run around from netspend. I am XXXX and have been treated like trash by netspend and still nothing has been resolved. I am at my ropes end. This has caused so much emotional distress having to go through this. 

I want my {$340.00} from netspend they have been holding it for nearly 3 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX says I owe them {$140.00} as of the status date of XX/XX/XXXX I have NO idea about this debt whatsoever, and moreover, I dispute it. When I tried to contact the company, I was told they could n't find my information. 

Also, Portfolio Recovery Assoc says I owe them {$490.00}, as of the status date ofXX/XX/XXXX. I have once again, received NO information regarding this debt, and have not been able to have anyone contact me on the phone when I tried to call this company twice. They told me someone would return my call. No one has.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax has my name spelled wrong on their credit reports, everything else is correct but my name is XXXX.

Company response to consumer: Closed with explanation