milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Rewards

Complaint: My XXXX XXXX credit card with Barclay was closed by bank on XXXX/XXXX/16 without any explanation. However I had XXXX reward points accumulated from my previous purchases. I contacted Barclay to redeem my points, but they refused stating that my account was closed and I ca n't redeem any points. I have not violated any rules and I have earned my points according to all terms and conditions. It looks like bank is using these practice to annul points that customers earned.

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 09-10-2015 about Debt collection (Medical) with HOVG, LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter from Bay Area Credit Service indicating that my deceased mother had an outstanding bill with XXXX XXXX XXXX. 

When I called them at XXXX the man I spoke with said he could not talk to me but only my mother or her husband who was not available. I contacted XXXX XXXX XXXX and and they said that my mother 's accout had a zero balance and they had never sent anything to collections.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (I do not know) with National Principal Group, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a message on my voicemail that this company was " tracking '' me urgently. They stated since they left me that message they were legally allowed to contact any and all parties associated to me. 

That same day my dad and a family friend started receiving multiple calls of this company attempting to urgently track my whereabouts. 

Today I returned the call and they asked me to verify my information but would not disclose the name of their company or what their call was in regards to. They hung up on me when I pressed for information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCB MANAGEMENT SERVICES INC (OK).
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: XXXX and XXXX a is reporting XXXX XXXX and NBC Management as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: In XX/XX/XXXX and XX/XX/XXXX somebody was using my social security number. I use to have XXXX negative accounts, and I disputed all accounts and my fico score use to be XXXX with Experian and now I have XXXX negative accounts with Experian and my fico score is XXXX. And I want your help to bring my fico score higher. Also, I was a victim of identity theft. And this year I bought a house and my fico score with XXXX credit vural, and my fico score is XXXX. XXXX credit vural is XXXX, and with Experian credit vural is still very low at XXXX. XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried each year, for multiple years to obtain a credit report online from Equifax. Each time I try, it says processing, then times out, and says my report ca n't be viewed online. I have had no problem with the other  XXXX  reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2018 about Debt collection (Other debt) with Accelerated Financial Solutions, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received notification that a Collection account from ACCELERATED FINANCIAL had been placed on all 3 major reports named as XXXX   XXXX, the account went delinquent 30 days or more in XX/XX/XXXXand was never brought current, after numerous calls & even uploading a credit report dated XX/XX/XXXX reflecting the account should be removed as of XX/XX/XXXX, due to First Date of Delinquency. advised after numerous calls the debt was no longer collectible & should be immediately removed to which the suggestion was made they say you owe it, I going to offer you the lowest possible offer I can to get this squared away can you pay {$500.00} & this will be taken care of, I advised I would not as this debt is no longer collectible.I find it disheartening that information can be added to reports just by simply sending to credit bureaus after this my scores dropped 40,29 & 31 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: **This is n't a duplicate request please read as I have loaded supporting documentation**I was advised incorrectly from the creditor that my credit report would delete the derogatory marks after six months. However the information was incorrect, it was actually 9 months. The nine months have passed but no updates to all XXXX credit reporting bureaus. To delete the inappropriate marks on my credit report in a timely fashion because the XXXX advised the update was sent on XXXX/XXXX/15.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved out of an apartment complex  (   XXXX   XXXX , originally  XXXX   XXXX . when I moved in ) and was charged for rent and fees that I did not owe. I spoke with the apartment  manager an d gave the appropriate notice via the lease that I would be moving out. I was told everything was in good standing by the apartment  manager. A pparently, this person did not work for the complex when I tried to reach out upon my discovery that charges had been placed on my account. I understand the apartment complex had been bought by  XXXX   XXXX  during my lease and possible confusion occurred, as well did staff changes. I do not owe this money or the added fees. I received no notices forwarded to my new address. I only discovered this debt via my credit report that this had been filed when seeking a rental property  XXXX    XXXX  . I subsequently filed disputes with agencies. This was immediately removed from  XXXX  and is also not on my  XXXX  report. I have filed multiple disputes with  XXXX , only to receive a response that the dispute was settled ( no further explanation ). These charges by  NCC Business Services  has remained on my  XXXX  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 03/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I wanted to check my credit so I logged into Experian. It asked if I wanted to pay XXXX for my FICO score. I check yes. My score was perfect so I logged out. Somewhere along the line they say I signed up for some type of service with them and they billed me XXXX later. 
I did not authorize this nor did I see anything that said I was incurring this charge. I called and was told too late they had already processed the charge and could not reverse it. 
To charge someones credit card they need to make it plain to the consumer that they are being charged and should require a box to be checked authorizing the payment. 
I am a XXXX and resent being what I call tricked into a fee for something I do not want or need.

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 01-08-2017 about Debt collection (Medical) with AVANTE (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: AVANTE USA has issue a hard credit on my XXXX Report that is not my Accounts, Supposedly from XXXX XXXX XXXX, I Filed Bankruptcy in XXXX, and they recently did this i have not been in that place in 10yrs, and what was on my report, i payed everything off, They have me mixed up with someone else! That said in was in XXXX XXXX! NO WAY!

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for XXXX loan and have several inquiries where they tried to get others to approve me-with out my knowledge or concent. I 'm having trouble getting them removed. Personal Loans Cos. XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX Inquiry : XX/XX/XXXX + Miscellaneous Reptg. AgencieXXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies Mail Order Firms XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Mail Order Firms XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks Collections

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 08/15/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My friend has continued to pay large amount of overdraft fees ; it works like this, he has a checking account that a large commercial bank, Wells Fargo ; he has a savings account which affords the checking account overdraft protection. He has no money in the savings account ; yet he is permitted to withdraw funds from his checking account via a debit card for an overdraft fee of a substantial amount. He has owed close to {$1000.00} in overdraft fees on more than one occasion in the past, he tends to be financial irresponsible ; and the bank allows him to continue this practice for fees. We have been a couple for many years and he has paid large sums of overdraft fees in the past thirteen ( 13 ) years.
I 'd like to know why banks permit this practice when the only benefit is to the bank.

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 06-01-2016 about Credit card () with SYNCHRONY FINANCIAL (CO).
Issue: Rewards

Complaint: I am an Amazon Store Card holder. This card is available for exclusive use on Amazon purchases only. Synchrony Bank is the financial institution that manages that credit line. The Amazon Store Card offers 5 % credit back to your monthly statements for qualifying purchases on Amazon. I was recently reviewing my statements and noted that I had not received a single 5 % credit on any statement in 2016. However, I did make qualifying purchases using the card. I called Synchrony Bank, and " they are looking into it, and will provide updates in XXXX billing cycles ''. I believe that they will make the appropriate corrections, but am concerned that many other consumers may, unknowingly, not be receiving their 5 % credit to their statements. It remains to be seen if they will correct my statements in a reasonable amount of time.

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 07/26/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit determination

Complaint: I was discriminated against when applying for a Costco/ Citi Visa card because our flooded home was in a National Disaster area, and thus my normal credit card expenses were raised due to living in a hotel for 11 weeks ; buying new appliances ; buying new carpets and kitchen flooring ; purchasing new furniture - and yet every monthly credit card billing was paid in full before the due date. Never a late payment. 
Costco decided to change from XXXX XXXX to Visa for their credit card. Not having a Visa, and being a long term Costco member I applied for a Citi Visa card. 
I was denied the Costco/ Citi Visa credit card even though I have no loans of any type, no mortgage, and no debts of any type. 
My complete financial history has never had a late payment on a credit card or loan. 
My FICO score is near or above XXXX with all XXXX agencies. 
Yet I was denied the Costco/ Citi Visa credit card. Supposedly because I used my ( unlimited amount ) XXXX card to pay for the 11 weeks of hotel plus other needed expenses, and yet paid every bill on time.

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 08-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for   XXXX   XXXX   XXXX   XXXX   XXXX   in    XXXX . The ref number is  XXXX . I applied for the credit card while I was in  XXXX .
I received a letter stating the IP address in which I applied from is under U.S Economic Sanctions.   XXXX   is not under any sanctions by the U.S government, thus this is an invalid argument from Chase Bank. Chase denied my application so I called in to ask for a review on my application but Chase still denied by stating they do n't do business in  XXXX . However, Chase does do business in   XXXX    based on the information on   XXXX   and Chase 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a private loan through Navient. I have paid every month without fail up until I had XXXX extreme changes in my life.!. I went back to school to better my life. 
2. My husband a military vet. passed away while under the care of the Va hospital. I have maintained constant contact with them. I have provided them with the proper documents stating I was a XXXX XXXX XXXX and was unable to make payments. However, when I came to visit my mom in Maine she brought to my attention threatening letters from navient saying that if she did not call pay them she would be " ruined '' financially. I then called and was transfer between XXXX people. One said I had no record of an account with Navient, One said I was 90 days past due and one of the final woman named XXXX found all the paperwork I had sent it was mysteriously disconnected at the moment she noticed. When I returned the call she was " gone '' for the day. ( all of this is recorded on my phone ). I have been lied too and made to think I was receiving a deferment while in school then slapped with 8 months of interest. Totaling XXXX. On the occasions I spoke with them four and two months ago, there was no mention of this. When I asked I was told they were not required to tell me by law it is a courtesy to make someone aware of their current standing with them. Again all recorded, If there is anyone who can help me please contact me as I am at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX this year, I received from USAA savings bank, a form XXXX, saying that they had cancelled my debt of {$3500.00}, and requiring me to report it as income to the IRS on my tax return. I reported it as income, as required, but USAA is still reporting the debt of {$3500.00}. This is unacceptable and annoying. How can they be reporting a {$3500.00} balance when they cancelled the full amount of the debt? On XXXX XXXX, XXXX, USAA received my dispute that I sent them through the mail, and today, XXXX XXXX, XXXX, I received from USAA the results of their investigation, which is that they claim they are reporting accurate information to the credit bureaus. When I sent XXXX a copy of the XXXX, they updated my report to having a XXXX balance and paid/closed, which is the correct information. XXXX and XXXX wo n't do the same thing. I am considering filing a suit against USAA for inaccurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX XXXX,2017 when I called synchrony bank to make my payment I was advised that my deferred interest was now all going to be applied to my account at once {$1900.00} for my 18 month promotion was expired, coustmer service rep said I can extend the {$1900.00} for 30 days and that was all she could do at the time, so I explained that at the time of financing this product I had no idea that the interest was deferred and added in full for 18 months from my understanding I was told by sales people that after 18 months you start paying interest not all interest was added after 18 months, the contract was electronic on the computer and I believe it was just very misleading by the sales person and the way the contract is worded I explained to the coustmer service rep if I would have know that the interest was going to be added after the 18 I would have laid it in full, cause how wants to pay more interest then what they owe after 18 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company CENTRAL FINL CONTROL out of California keeps attacking my credit for a debt which they have failed to prove that I owe. It for an alleged hospital visit that I was turned away for because the hospital did not accept the insurance which I had at the time ... ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX in XXXX, Georgia. Need to provide itemized list of charges instead constantly call during work hours demanding money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with M.A.R.S., Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (AZ).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX reported ( XXXX XXXX XXXX XXXX ) to CHEXSYSTEMS. The checking account was charged off for XXXX}. I have contacted XXXX XXXX collection department and fraud department. All associates I have spoken with have stated they have nothing on record of me owing any debts. I disputed this with CHEXSYSTEMS. I received correspondence from CHEXSYSTEMS stating after investigation, my dispute has been verified as accurate and therefore will be retained with CHEXSYSTEMS. I have tried to contact CHEXSYSTEMS with no luck. I either get no answer or re-directed. I am trying to understand how they came to that decision. Who did they contact at XXXX XXXX? If I had this information I may be able to rectify. I am currently red flagged with banking institutions and this has held up my financial progress. My dispute and complaint is, How can I be red flagged when XXXX XXXX can not verify I am in debt with them and CHEXSYSTEMS can not provide me with information on regards to who they spoke with to make this decision!

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