milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Credit card is  the Gold c ard fr om Barclay.      i am a military member and the know this. when i signed up  XXXX   XXXX  for the card it was a 0 % apr and the annual fee were waived for the duration that you are  XXXX   XXXX . this has since change and was done so in a way that does not seem sufficient or appropriate. prior to deployment (  XXXX   XXXX   )  the company changed the policy for new members but and informed me ( when i called to notify them that i would be deploying and using the card overseas ) that i was grandfathered in and had nothing to worry about.  Barclay knows that i am  on deployment since  XXXX   XXXX  to present and that everything that i do is done online or via email. yet they decide to change there policy again and are no longer grandfathering the annual fee for members and provided a letter sent to my home address stating that  XXXX   XXXX  my card with be charged the annual fee. since i received this information via my spouse, i immediately logged into the website, while on   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and attempted to verify that this letter was official or a prank. i had no messages on the web site and no email had been sent to the email address on the account. still concerned that t his may  become an issue for me, I called barclay as soon as i could which was in  XXXX   XXXX  over a month later. they informed me that they had changed their policy and that was it, there is no way to get back.     I believe that this company has used military member to get there card seen by the public. once they felt that there cards had received sufficient publicity they decided to changer there policy. this along with the fact that the only message received from the company about a major policy change was letter mailed to my address, seems fishy to me. i would assume that any well established company would at least post a message on your account and send you an email alerting you to the fact that " a major policy change had been placed into affect, please log on and check your messages and my effect your account ''. All they send out is a written letter to the address. i am not the only military member affected by this policy change. most were not even given as long as i was before they were to be charged. i have  XXXX  officers i  deployed with  who were only given less then 2 months by the time they received the notice.  XXXX  of them never saw the letter because he is single and does not have anyone read his mail while he is  deployed. h e was forced to call the company and found out a few days before he was to be charged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of XXXX I was making payments under a modification yet I was denied by XXXX XXXX XXXX, citing that I had not mailed back the modification packet. They immediately proceeded with a foreclosure that occurred that same month. After investigating the facts they found that they had not mailed me the documents they were requesting and proceeded to rescind the foreclosure. At the same time the loan had been transferred to a new servicer, Caliber Home Loans. XXXX stayed in closed communication and in early XXXX XXXX I spoke with the trustee who said the rescission had been completed, I further verified it with the new bank as the loan had gone from the XXXX department, who was in the process of an eviction, to the reqular servicing department. 
I was told by XXXX that I 'd have to start the modification process all over, since the previous modification had not been fully executed. 

I contacted Caliber to obtain copies of the XXXX application to apply and was told what was needed and where to submit it. As I am completing the application, I receive a Notice of Trustee 's sale from Caliber with a sale date scheduled for XXXX XXXX, XXXX. 

They have never called me or reached out to me, I began the communications and told them I 'd send in the loan mod application. They have n't given me an opportunity to apply for the loan mod. 

I would like to keep my home and be reviewed for a loan modification and be offered something similar or better than what was received from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I am a victim of predatory practices from LVNV LLC. The company sued me where I did not live and used lawyers to harass me. These lawyers have access to my personal credit report, my number, my residence and my employment. The company sued me and obtained a judgment against me. They obtained a wage garnishment and are garnishing {$1800.00}. They used XXXX lawyers and XXXX to represent them. I never lived in XXXX located in XXXX, CA, when they served for civil court. This was done about 4 years ago. In addition, recently I went to court on XX/XX/2017 to request claim of exemption. In court I informed civil judge XXXX about the wrongful of serving and that a wage garnishment will great a financial hardship. I have concerns about the way my rights were violated from XXXX, attorneys XXXX, XXXX and LVNV Funding LLC.The judge denied my request of exemption. These are the reasons and concerns about this matter ; my credit report currently does not show a collection reporting from that debt, 5 years ago my credit report did not show a collection reporting from that company, currently my fico score shows good standing, LVNC Funding LLC is a collection agency and a third party, different attorneys are representing this company, the attorneys have violated my rights, the judge violated my rights and I am a victim of discrimination. In court I did n't have a lawyer to represent me, and the judge allowed XXXX to humiliate me. XXXX stated, it was my fault and I asked for this, family comes second, my other financial obligations comes second and requested above the 25 % wage garnishment. In my opinion this is unlawful to harass me in such a way. Furthermore, I pleaded less than $ 80 monthly levied garnishment and that I could n't afford a wage garnishment above 25 %. Last, I felt violated at the end of the court hearing. A judge or lawyer should not be above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit card () with NAVY FEDERAL CREDIT UNION (VA).
Issue: Other

Complaint: I have a checking, savings and credit card account with Navy Federal Credit Union. I failed to make a payment on my credit card and the credit union has locked me out of my account. I am not able to access my checking and savings account. From my understanding, Navy Federal is not permitted to participate in these practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX we got a mobile notification that the balance on our checking account is low, but we were not using this account. Later we learned that someone in Massachusetts, came to a Bank of America branch ( we live in Florida ) and was able to withdraw money from our account, using a teller, not the ATM. Then the same day 2 fraudulent check were cashed in our name as well, the next day one more cashed check appeared on the account and the next day there was another check cashed from our Savings account at the same branch. We never received any security phone call or verification call from the bank making sure that transactions are done by us, they basically granted a thief full access to our accounts and let them walk out with the money. All the checks were in the same amount, made out to my husband 's name, from 2 different people. all of them had the same handwriting on them. We reported this immediately to the Bank of America fraud department, they opened a case. XX/XX/XXXX I also called that branch in Massachusetts and spoke with the manager requesting a video surveillance from the day of the incident, that might have shown us them some leads, they refused to provide it to me, saying this belongs to the bank of america and their fraud department will address it. since then we followed up with them 3 or 4 times, requesting a call back or email with updates on the case, but never received any updates. Every time we call, their customer service people are rude and not helpful and unable to provide us with any useful information. The money has not been returned to us as of XX/XX/XXXX, in fact, the latest conversation I had with Bank of America fraud department representative, they said they were unable to provide us with " temporary credit '' for the amount stolen, after I asked why was this called " temporary '' they suggested that if the case is not resolved in our favor we will have to pay them back the money. How can the case be Not resolved in our favor? Our understanding is clear and logical : we had our money in the bank, bank is responsible to keeping our money safe and secure, if someone steals the money from the bank, and we are affected, they should take complete responsibility, and do everything to accommodate us in this situation, show the best customer service and return us the money they failed to keep safe for us. Non of this has been done by Bank of America corporation, there has been zero attempts to reach out to us and fix the situation by the bank, even after I placed a verbal request to expedite the process of investigation. I hope doing it through CFPB will bring more results and help resolve this disappointing experience with the Bank of America.

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 05/28/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (UT).
Issue: Fees

Complaint: There were no fees associated with this account for over a year and I had stopped using it often. On XXXX XXXX I then noticed that I was being charged a monthly fee that began in XXXX 2016. I was not notified of this change and I did not agree to be charged a fee. If I would have known about the fee I would have closed my account in XXXX. I requested a credit to my account from AmEx Customer Service and was denied by a XXXX level manager.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DE).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX, I received a letter from Citibank telling me that if I opened a new Citibank Checking Gold account I would receive XXXX XXXX XXXX AAdvantage bonus miles. I needed to open the account with {$50000.00} and use promo code XXXX. I was also required to make {$1000.00} in debit card purchases, and setup a bill payment for two consecutive months. 
I have met these requirements : the debit card purchase was completed on XXXX XXXX, 2016 for {$1000.00}. I made bill payments on XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 to XXXX. I had other bill payments as well, but this shows three consecutive bill pays ( exceeded the required two ). 
Upon opening my account, online, I chatted with a Citibank representative and asked why it did not ask me for my XXXX XXXX, the representative said it was not needed and that will be credited automatically when I met the requirements ( see enclosed ). 
On XXXX XXXX, 2016, I chatted with a representative at Citibank asking where my miles where because nothing had been credited to my account ( see enclosed ). The representative said they would do an investigation and it would take XXXX business days. After 4 days, on XXXX XXXX, 2016 I spoke to, XXXX, who said he did not know why I did not hear from them but he would escalate it and I would hear the next day. On XXXX XXXX, 2016 I called again, spoke to XXXX, and then I was told it would take some time longer because they were backed up. Called again XXXX XXXX, 2016, spoke to a gentleman and he said it would take 19 days to get an answer, and that no one told me it was XXXX days, even though as you can see I had this in writing. 
I called Citibank Executive offices and was transferred to XXXX at XXXX she said she had 14 days to research the problem and would get back to me. On XXXX XXXX, 2016, she called me and said that I would not be getting the miles because I was not eligible? I told her I had confirmed it on XXXX XXXX, 2016 and she said well that representative did not actually say you were getting the XXXX so you will not be getting any miles. However, as you can see from the attached transcript XXXX did say I would be credited automatically when I met the requirements. And my inquiry clearly stated it was about XXXX XXXX XXXX miles, yet XXXX says, no one ever said that. 
To date I have still not received my miles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit report, through Transunion, suddenly shows an amount of {$51.00} that was originally owed to XXXX. ( This is false and verified as false with XXXX ) It shows a balance date of XXXX 2016. It states that the status of this " account '' is in collections and further shows the past due amount as {$0.00}. This false report is negatively impacting my credit report.
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The company attached to this false report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY-XXXX ( 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 06/27/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (FL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Stop payment was issued to a merchant/charge and the representatives stated that the payment had to pend before it would be removed. Upon posting PNC stated that they could n't reverse the payment. I was misinformed in regard to proper procedures

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax did not delete both the disputed account and it 's duplicate collections account which is beyond the 7 year statute of limitation for being on a credit report. Equifax instead only deleted the collections item and left the original creditor. The creditor 's item is well beyond the 7 year period of first default, for being on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: State of florida child support delinquency collection charge offor set up payment plan XX/XX/XXXX. never got current on delinquency butcharge off account transfered to state of alabama XX/XX/XXXX. They are refusing to correct the origional delinquency date to XXXX insisting that they consider the origional date as when they took the account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (I do not know) with FIDELIS RECOVERY MANAGEMENT, LLC (PA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Individual called me and would not tell me what the matter was about. I repeatedly asked for information and all I 've got in return I want your birth date and address. Very rude and the representative hung up on me while I was talking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with AMERICAN EXPRESS COMPANY (ID).
Issue: Advertising and marketing

Complaint: i tried to open a dispute with american express on XXXX fraudulent charges.they would not open it at all.i feel that they should have at least investigated into it.the company was consumer advocate services. they stole XXXX dollars from me.they totally disappeared on me and american express would not look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for the Florida Hardest Hits Program after loosing my job two years ago. It has been a complete nightmare. The latest occurrence was when Wells Fargo stated that I should send them {$5200.00}. After I informed them that I could not send by the XXXX of XXXX, because after having to borrow the funds that check had not cleared my bank. The representative stated that should be Okay due to the fact that the quote was good through XXXX. They received my funds on XXXX XXXX. Then turned me down for the program stating that I did not qualify. However, Just after that I received a certified letter stating that they were going to take possession of my property with 60 to 90 days. They stated that they because they had n't received those funds by the XXXX that they have to start over. I received a phone call from my representative from the hardest hit program stating that once again I was turned down for the program. She stated that I do qualify for the program and to fight for it. So I have gone through numerous representative with Wells Fargo. The last one keeps vying more time for Wells Fargo and I am not sure why. It has been two months since they have received my portion of the funds and they have not even issued another quote or requested the funds from the hardest hit program. What I feel is that is when my application for the hardest hit program may expire. I have been approved for the XXXX and with my personal amount my mortgage would be current by now. 
Wells Fargo continues to blame the hardest hit program and the Hardest Hit program tells me to continue to fight for it. 
Its not the first time I have had issues with them. I have supplied information continuously for years. I had a local branch manager to send documents for me and still they cried that never received it. Even he said this is XXXX. I am just trying to save my home. I am a single parent of XXXX dependent children.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my XXXX XXXX and Experian reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX Inquiry Added XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXX-Date Inquiry Date -XX/XX/XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX -Inquiry Date-XX/XX/XXXX XXXX  XXXX, CA XXXX ( XXXX XXXX XXXX Name of Company - XXXX XXXX I -Date Added-XX/XX/XXXX XXXX  XXXX I XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Date Added- XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry Date-XX/XX/XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX Name of Company XXXX XXXX XXXX XXXX- Inquiry Added XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX/XX/XX/XXXX XXXX -Inquiry Added Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/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 06/30/2016 about Debt collection (I do not know) with Citi Management Group, LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Company named City Management Group contacted my step-mother and then myself to try to collect a debt I do not owe. When I contact them with the reference number they provide they never disclosed it was a attempt to collect a debt, or had me verify my identify. Was told I owed money on a payday loan from XXXX 2013 however the address that they stated the loan was taken out under was not me residence at time and I had left that residence 2 year prior to " said loan ''. When I asked who the loan was through she said it was a payday loan but could not provide me with the company whom the loan was through. When I asked for copy of the loan document she told me she did n't not have access to them. 

This companies phone number is XXXX and I spoke with a XXXX XXXX. I did set up payment plans but when I realized this was scam I contacted my bank to cancel my card. 

Just wanted to make you all aware.

Company response to consumer: Untimely response