milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Customer service / Customer relations

Complaint: On XX/XX/2017, I went online to obtain my credit score. My credit card company, BarclayCard, provides my credit score for free as part of my cardholder benefits. The online information showed my credit score as XXXX. They also provided a link to a 12-month history of my score, so I clicked on the link. The history showed my score over the last 12 months. What caught my eye was that my score had risen to a high of XXXX, and very soon after had fallen to XXXX. Then it went to XXXX and to the present score of XXXX. 
I wanted an explanation for the drop from XXXX to XXXX. The site said that if I had any questions about my FICO score, I should call XXXX, and it listed a phone number. On the XXXX, I also obtained my free annual credit report from XXXX. There was nothing negative in it, all my accounts showed as continually paid on time. Eight days later on XX/XX/XXXX I called XXXX at XXXX XXXX to see if someone could explain the sharp XXXX point drop in my score. Not only would n't they explain it, they claimed their records showed a current score different from XXXX ( but they would n't tell me what it was ), and they speculated that BarclayCard was using a different scoring model than XXXX does ( they mentioned XXXX ). They were denying that they even supplied the score that BarclayCard was displaying. So I asked to talk to someone who was aware of the apparent business relationship that existed between XXXX and BarclayCard, and they refused. They told me to go back to BarclayCard for any explanation of the score. So I called BarclayCard at XXXX XXXX to ask for an explanation of the XXXX point drop, and to verify who actually calculated the score I was seeing on the BarclayCard site , BarclayCard or XXXX. The BarclayCard Customer Service Rep. claimed they simply posted the information provided to them by XXXX, that BarclayCard DID NOT calculate the score themselves. And making sure to mention that they provided the score for FREE, there was nothing else they could tell me, and I would have to contact XXXX for any explanation of the score. In other words, BOTH organizations were claiming that the score was not calculated by them, it was the other guy, and go talk to the other company if I wanted any further explanation. I would like to know who calculates the score, and I would like an explanation that justifies a XXXX point drop in just one or two months without any negative data to support it.

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 07-05-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MI).
Issue: Money was not available when promised

Complaint: In XXXX 2015, I received XXXX separate deposits of {$100.00} each on the same day to my paypal account. I immediately requested the total amount of {$200.00} to be transferred from my paypal account to my checking account. It is months later and I still do not have the {$200.00}. I reached out to paypal numerous times by phone and email to try to resolve this issue and still have no resolution. I just want my money. I have even had successful transactions since so there is n't an issue with my accounts nor my account numbers. They are in violation of the California state 's Money Transmission Act section 1841 which reads : '' Every licensee or its agent shall forward all money received for transmission or give instructions committing equivalent money to the person designated by the customer within 10 days after receiving that money, unless otherwise ordered by his or her customer. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX XXXX, I moved out of the apartment I was sharing with XXXX others and, among other things, ended my XXXX service at that address. XXXX picked up the equipment and the final bill that I knew of was paid. I have had XXXX services at multiple addresses in multiple cities since then. When I moved to XXXX XXXX, I was told I could not get an account because I had never returned my equipment from that first account. When I disputed that with the representative, he said he would look into it, and shortly thereafter I was offered a contract to get service, and I opened a new XXXX account in XXXX of XXXX. I have had XXXX service continually since then, have paid my bills on time, and have never had any issues mentioned to me by the company. On XXXX XXXX, XXXX, I received an alert that there was a new open collections account on my credit report. I went to check and found, after much investigation on my own part, that Southwest Credit Systems had placed a derogatory mark on my credit score for a {$65.00} debt to XXXX which XXXX was alleging I owed from XXXX. I have had the same name, phone number, and social security number affiliated with all of my accounts with XXXX, so they have no excuse for this absurd behavior. They have never once contacted me, sent me a letter, billed me, or otherwise attempted to hold me responsible for this amount. Southwest Credit Systems never sent me a letter regarding my debt before placing this on my credit report, and has made no contact with me whatsoever at this point, rapidly approaching their 30 day deadline. I am sending them a demand letter for verification and other information pursuant to the relevant federal laws. I do not believe I owe XXXX this money, and dispute the validity of any debts to XXXX and any collection agency regarding this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO).
Issue: Fraud or scam

Complaint: On XXXX/XXXX/2015 I went to MoneyGram at XXXX XXXX XXXX in XXXX XXXX, XXXX for transfer {$890.00} plus fees for my friend in XXXX, over the weekend he contact me for telling me that he ha been transfer to a XXXX on XXXX he never got the money that I send it to him, when I contact XXXX few days ago a female told me that the money was paid to my friend 1 hr. later on XXXX, she told me that she will sent a compliance for an investigation to my email, of course I never received, Today I call again and the person over the phone told me that they do n't ever request id for pick up the money, he does n't offer a solution, his a supervisor his name is XXXX and he refused to give me his last name but he offer me his phone # XXXX XXXX, he finish telling me that I was a victim of fraud. what make me upset is the way they manage the money transfer, is unsafe, I will never going to use this service again, I do n't have my money back and neither my friend, we do n't know who has it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was sued for a debt by A collector claiming to be the current creditor, we went to court, and the court concluded that I do not owe the debt. The court gave me paperwork to send to the XXXX credit reporting companies, XXXX deleted the account, XXXX and XXXX noted that I made A dispute, but LVNV funding claim that I still owe the amount, even with the court order. I have been denied loans and my credit score is affected by this, and this company LVNV funding will not give up. Please look in to this matter and see what can be done, Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-03-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: COMMONWEALTH FINANCE   XXXX   XXXX   XXXX     XXXX , PA  XXXX  (   XXXX   )  XXXX  Common Wealth Finance is trying to collect a medical bill that does not belong to me. Amount of debt is  XXXX . This is no the same complaint for  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Prepaid card (Payroll card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Unauthorized transactions/trans. issues

Complaint: On XX/XX/XXXX XXXX night at XXXX and XXXX I went to the XXXX on XXXX to use the Mac machine I went to withdrawal XXXX from my account the Mac machine got to when it started counting the money but the door of the Mac machine never opens up it started acting like it was counting the money again and again the door never opens up instead a receipt comes out stating incomplete transaction. I went to the other machine and this time a receipt comes out stating to contact my financial institutions so I called them to let them know that the Mac machine took my money and that the door of the machine never open they stated that or their end that it showed that the Mac machine gave me my money and that they could n't credit my money back and that I had to send them the receipts. So I sent them my receipts and drivers license and they stated that I had to fill out a dispute form. I filled that out and contact them to see if they received it they stated that they had then they proceeded to tell me that they was n't going to contact XXXX that 's where the Mac machine comes from until XX/XX/XXXX then after contacting them then they were n't going to contact me until XX/XX/XXXX. But instead they contact me XX/XX/XXXX @ XXXX stating that they was n't going to credit my money back into my account and that if I wanted a copy of the form that they sent to XXXX bank that I could n't get it until 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: WELL I WAS NOTIFIED BY XXXX XXXX THAT MY CREDIT SCORE HAD WENT DOWN BECAUSE OF AN HARD INQUIRY WITH A CONSUMER WHO SUPPOSEDLY RAN MY CREDIT XX/XX/2018 AND THAT IN FACT WASN'T ME AND I HAVE NO KNOWLEDGE OF WHO DISCOVER BANK IS AND ALSO ON XX/XX/2018 XXXX RAN A SECOND CREDIT CHECK WHICH SHOULDN'T HAVE HAPPEN SINCE I ALREADY HAD BEEN APPROVED FOR A VEHICLE THROUGH THEM AND GOT A CAR. SO I NEED THOSE TO BE LOOKED INTO AS FRAUD AND REMOVED FROM MY CREDIT HISTORY AND PROBABLY A FREEZE ON MY ACCOUNT BECAUSE IT'S STARTING TO FEEL LIKE SOMEONE ELSE HAS MY INFORMATION WITHOUT MY KNOWLEDGE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2016 about Credit card () with DISCOVER BANK (NV).
Issue: Other

Complaint: Under 623-15 U.S.C. 1681s, Section 623 ( a ) ( 8 ) ( E ) ( iii ) that references FCRA 611 ( a ) ( 1 ), that allows only for a 30 day period to answer the dispute/complaint. 

This dispute/complaint was sent to you via the CFPB on XXXX XXXX, 2016 to which the CFPB assigned a case # XXXX. 

I expect an answer no later than XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A representative from the Asset Recovery Associates called me and claimed to be representing a bank XXXX XXXX Bank XXXX to collect a debt that they said I still owed. They threatened me with a lien and to ruin my credit by having it cutoff. This debt was discharged in my bankruptcy in XXXX of 1992. I have been careful to keep all my accounts paid and in good standing since then. I do not owe this debt but ARA scared me so that I agreed to pay. I have since learned that it is illegal to go after a debt that has been discharged. I stopped the payment from my credit card but ARA continues to try to call me to collect. This debt must have been purchased from the bank because ARA had my complete list of prior addresses, social security number, and present list of credit card accounts and numbers. This company is engaging in illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Huntington had a fraudulent account for me a few years ago, which was cleared up. I received the green light to open an account from the executive team, to find out the account was closed and the branch manager will not call be back though she said she would take care of the issue

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Wells Fargo Dealer Svc Account # : XXXX I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement

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 05-05-2016 about Debt collection (Medical) with GOLD KEY CREDIT, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is a formal complaint against Gold Key Credit. INC. 
XXXX, XXXX Contact Information : XXXX I obtained my credit from XXXX XXXX on XXXX. I notice a small charge that 's being reported only to XXXX. I called the toll free number & the lady was very rude. The balance being reported is exactly {$14.00} XXXX. I asked why was this small amount being reported she stated it used to be a much bigger bill but my insurance must have paid the amount all but {$14.00}. I asked how to resolve the small balance and she would not answer how to pay the told me I had many more debts on their account which is not true. I 'm looking at my credit report right now and {$14.00} is what is being claimed. I do not owe this debt and want it removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: someone hacked into my Capital One 360 account and took {$30000.00} over a 6 week period ; no one from Capital One notified me and it took me many hours on hold and many phone calls for them to deal with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Barclays Bank of Delaware can not provide or produce account level validation for the account and did not provide per a certified mail receipt sent XXXX XXXX, 2016 signed by them. They continue to report on credit reports in violation and misrepresentation of my FCRA rights. They have provided a false application without a signature that was not opened by anyone, it is merely a computer generated " report '' of my account. There is no signature and is reported to be a Barclays Card. I NEVER opened a Barclays Card ever. They are misreporting on my credit reports and they are sending false information to show an account was opened which is illegal and is fraud. They continue to report a false account.

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 10/15/2015 about Payday loan () with GVA Holdings, LLC (IN).
Issue: Charged fees or interest I didn't expect

Complaint: Took out this loan in the amount of {$600.00}. Was told that the loan was {$130.00} per week but was not told that the loan the following 2 weeks and going forward would be {$200.00}. I found that out when they debited my account and I called them. They then sent me a copy of my application. I also found out today from the Indiana DFI hat this company is unlicensed to lend in Indiana and that the percentage rate is well over what is allowed ( 720 % ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Consumer Loan (Installment loan) with Sunset Management, Inc (GA).
Issue: Problems when you are unable to pay

Complaint: I had a XXXX my car and regretfully, I took out only a small {$400.00} loan with Sunset Finance to help with living expenses. Big mistake. Now, it 's not so much the money but now the principal of the matter in how this company manages their loans and customer service. Sunset Finance reps have been nothing but a nuisance by contacting me, my friends, colleagues and family excessively, sometimes twice a day triple-dialing my both home and office phones where they had exploited my reference/emergency contact list with unethical collection practices. This happened so much that I was forced to seek legal counsel and they advised me to create a " cease and desist '' letter. 

I was making payments of $ XXXX/month to Sunset Finance and 5 of those payments totaling {$470.00} have been paid back despite nearly paying back MORE than double what I borrowed which I came to find out had a ridiculously high interest rate like 86 % or more. I have tried to contact Sunset and emailed them requesting to negotiate a better rate or a reasonable payment but no response or they will not accept a payment other than their choosing versus what I can afford. I even enrolled in Consumer Credit Counseling Service and included Sunset Finance to help pay them back but they DO NOT accept payments from Consumer Credit Counseling which I do not understand. 

Now they have filed a false statement to the court and filed a lawsuit against me stating " defendant received loan on XX/XX/2015 and refuses to pay. '' and that is not true. I have paid back Sunset over {$400.00} back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We obtained a home loan in the amount of {$990000.00} XX/XX/XXXX. 
Our home loan had been sold by the Originator, XXXX XX/XX/XXXX XXXX XXXX which then immediately sold our loan to a XXXX XX/XX/XXXX-XXXX Trust Fund ;. 

Due to a severe reduction in income resulting from the XXXX financial crisis we fell behind on our payments. XX/XX/XXXX XXXX recorded a forged Assignment of Deed of Trust assigning XXXX ' 'fictitious interest ' in our loan to XXXX Bank XXXX XXXX. as Trustee for the XX/XX/XXXX Trust Fund. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX acquired the servicing rights to the loan XXXX. XXXX commenced foreclosing XX/XX/XXXX. We challenged XXXX standing to foreclose in XXXX Court and XXXX cancelled the Trustee 's Sale. 

Suddenly, Nationstar Mortgage LLC began sending us letters claiming to be the new loan servicer, demanding monthly loan payments. We challenged Nationstar to prove that it had the right to collect our payments. It did not respond to our Qualified Written Request so, we refused to make any payments. 
Starting XX/XX/XXXX Nationstar recorded defective -pre-foreclosure notices. It falsely appointed XXXX to be the foreclosure trustee. We sued to Quiet Title XX/XX/XXXX. The Judge refused to hear the case. 
XXXX held an illegal Trustee 's sale of our home XX/XX/XXXX. We expect XXXX Bank to commence eviction proceedings shortly. We can not let Nationstar and its cohorts to get away with its felony actions. 

We can not get relief in court. Therefore, we are seeking CFPB 's assistance in bringing Nationstar to account for its actions and to extract compensatory damages form it in the event that we are evicted prior to CFPB 's intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XXXX of XXXX per AMCOL SYSTEMS INC they received several bills in reference to XXXX XXXX XXXX XXXX in XXXX, Texas. Per the company they contacted me in XXXX of XXXX and the line was disconnected. I was not in the country between XXXX XXXX, XXXX to XXXX XXXX, XXXX. Upon speaking with the company in XXXX, I requested validation of debt ( balance ) which was not provided and I disputed the information as I have dual coverage. Per XXXX XXXX the debt validation was issued to me on XXXX XXXX, XXXX roughly more than 120 days after receipt of I contacted my insurance company to determine the status of said charges and the medical Facility did not process through my insurance company. XXXX at XXXX XXXX XXXX room whom I spoke with on XXXX/XXXX/XXXX stated the insurance company was not billed entirely for the medical charges Rep ID XXXX. {$270.00} was the balance owed to the Physician and my insurance company paid {$500.00} on XXXX XXXX which was four days after date of service. They attempted to re-bill my insurance. XXXX XXXX XXXX/XXXX/XXXX billed and then XXXX XXXX billed {$640.00} bill wrote off {$120.00} and applied {$520.00} to deductible and they were billed again. My insurance company was not billed adequately resulting in inconsistent balances.

Company response to consumer: Closed with explanation