milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2015 about Credit card () with BARCLAYS BANK DELAWARE (IN).
Issue: Rewards

Complaint: On XX/XX/XXXX, Barclay closed my Barclay Arrival MasterCard account and sent a letter indicating the following : " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' Upon receipt of this letter, I called Barclay 's on XX/XX/XXXX and spoke to a manager XXXX XXXX XXXX. I asked him for the reason why my account was closed without any warning and he basically just repeated what the letter had stated and that he could not provide any more details. I stated that I had XXXX Barclay Arrival points in this account that I can no longer access because the account is now closed. The manager stated that there was nothing he could do to get those points to be credited back to me. These points are worth approximately {$3300.00} if they are redeemed towards travel expenses XXXX hotels, airfare, etc. ). I have been a Barclay 's credit card customer since XX/XX/XXXX, and I am unhappy with the way that they have closed my account. I would have appreciated if Barclay 's had at least notified me about what I had been doing that was unsatisfactory, so that I could have avoided being closed. Instead they closed my account without any warning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I rented an apartment at XXXX. I completed two different leases with them. One for 15 months the other for 12 months in XXXX different apartments. I paid to transfer to a bigger apartment. I was forced to sign a new lease without even seeing the new apartment. I had a good history with them so I did n't think much of it. I was n't aware that the apartments were now under new management. The apartment smelled of animal urine and mold/mildew. The air conditioner did n't work. The stove also did n't work. I was forced to live in this apartment for weeks with no A/C in the summer. I asked management to address these issue numerous times and was ignored. My son has XXXX so I could not live there any longer. I moved out because they did not hold up their end of the lease by providing me a livable apartment. I had to look out of my son 's health.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In order to try to save on interest, I have been making mortgage payments well in advance of the monthly due date, sometimes more than XXXX weeks in advance, with the assumption that it would be credited upon receipt to my account/ principle owed. With each payment I have also included an additional amount of $ 20- {$50.00} above the regular monthly payment amount. Upon receipt of each payment, my mortgage company, Nationstar Mortgage, has only credited my account and applied to principle the additional $ 20- {$50.00} on the receipt date. They waited however, until the payment due date to credit the rest of the payment -- which comprises the actual payment due -- for each and every month. Correct me if I am wrong, but I believe this practice is illegal. According to the law, mortgage payments are to be credited to the account UPON RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I submitted my dispute in XXXX via fax, no confirmation from Equifax received, resubmitted my complain on XXXX the same thing. I called them the rep said that the only received my credit freeze request, I advised that two faxes were sent and I have the fax confirmation, I even emailed Equifax customer service, to which they responsed with instructions on who to dispute. This is very frustrating, Equifax is not even allowing me to send information online.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XX/XX/XXXX I applied for a Lowes Credit card at the time of applying my credit score was XXXX no lower then XXXX and Lowes approved me for a credit card in the amount of {$500.00} dollars I have since then paid my bill on time and had a balance of {$120.00} dollars. On XX/XX/XXXX I received a letter from Lowes stating they were closing my account immediately for having a low score. I called and spoke to a representative who stated yes my account was closed and I will be reported to the credit bureau immediately and did not give any further information in regards to my concern. In XX/XX/XXXX I was released from bankruptcy and my credit had no existing marks or denials, at this time I had to improve my credit score. I have two other credit cards that I have been approved for and have not experienced this concern, I feel I am a victim of discrimination! when Lowes who approved me for the credit card in XX/XX/XXXX new what my score was and approved me for credit at the time and for 3 months I was not contacted nor sent any information concerning this issue. This issue has effected my credit score including the derogatory remark that has been added to my report. I am trying to refinance and I am looking forward to buying another home since I have been in my home for over 15 years. I am a XXXX XXXX man who is being held back when I should have the opportunity to move forward seeking a quality of life towards social growth. Please help!

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 06-02-2015 about Credit card () with DISCOVER BANK (PA).
Issue: Closing/Cancelling account

Complaint: I have a Discover it card since 2012, and I always follow their rules and regulations. My credit score is excellent, I have XXXX late payment, and I even have a Discover saving account with a good amount of money. 
However, they closed my credit account without any notice. Then, their customs service did not want to give me any reasons for that.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: In XXXX 2017, I settled credit card debts with XXXX on behalf of XXXX XXXX eliminating my liability on two credit cards I had with them. After more than 3 months, XXXX has failed to accurately update my credit report. They updated the report showing the Settlement payments that I made but still reflect a past due balance and status as charge off/collection. I have spoken both with XXXX and the credit bureaus multiple times without success.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: I deposited a XXXX loan check via the app and Wells Fargo elected to close my account and put all my funds on hold for XXXX weeks. The agent tried to claim it was because the check was written out to XXXX XXXX and my name on the account is XXXX. Either way, I was treated completely dismissively and was told I could not have the funds from the check. I then tried to use the check wit ha reputable institution who stated the check was no longer good. When I contacted the XXXX company, they state Wells Fargo had kept the more than {$1100.00} they tried to tell me was not drawn. The bank currently has more than {$1100.00} of my money and will not allow me to dispute XXXX debit cards transactions stating the account is closed and the transactions no longer open for dispute.

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 10-10-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have disputed a debt with XXXX XXXX XXXX, and they have not provided me any validation that the debt belongs to me. I have asked them for a signed contract between myself and XXXX XXXX XXXX, and have also asked the original creditor ( XXXX XXXX XXXX ) for a signed contract. The original creditor said that they do not keep information on file after the debt was sold. They did state that the amount of the debt was {$3900.00}. The debt was sold to XXXX XXXX XXXX on XXXX XXXX, 2013, and since then XXXX XXXX XXXX has reported that amount owed is {$4000.00}. This is a clear violation of the FDCPA by XXXX XXXX XXXX. I am not assuming responsibility for this debt, nor am I claiming ownership. XXXX XXXX XXXX has failed  to provide clear validation of this debt by not providing me a signed contract with my signature on it. So they are in violation of the FDCPA and FCRA. I am demanding that this debt be removed from my credit report by all 3 credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: XXXX , received a offer in the mail from citibank for a citi simplicity card  XXXX  applied on line as instructed  XXXX  received immediate approval and was offered to transfer balances I put in my balance transfer information and hit submit, the response received was " unable to process your request ''  XXXX  I called citibank, was transferred twice ending with  XXXX  in South Dakota, new applications department  ( n ame of department might be wrong ).  XXXX  informed that with this card citi simplicity, no immediate balance transfers were available. I informed  XXXX  that the application process took me there and said I could do it.  XXXX  acknowledged that this is a known problem.  XXXX  could n't take my balance transformation information over the phone because of " regulations ''.     I find this practice to be misleading. The fact that it is a known problem and continues to exist is even more problematic. It appears that Citibank is misleading customers knowingly. This seems to be a simpl e IT f ix, there is no reason why this should happen.

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 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   is reporting misleading credit information information about me to Experian. My  Lease  was closed in  XXXX , and as of today 's date  XXXX  is still reporting negative information on my credit report dating to  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 07/18/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MA).
Issue: Trouble during payment process

Complaint: To Whom It May Concern, I would like to place a written complaint with Loan Care (   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  ,  XXXX , PA  XXXX  ). After numerous phone calls requesting an explanation of my Escrow account including the removal of my PMI dating back to XX/XX/XXXX , I have yet to receive a single return phone call or Email. Any and all efforts made have been on my behalf. Any speaking to several different customer service employees including "  XXXX ,  XXXX  XX/XX/XXXX  and   XXXX     XX/XX/XXXX  '' and being promised that a manager would call me back regarding my concerns, I have yet to receive any phone calls. After being previously told that my PMI would be removed once my original loan amount was paid to 80 % or below, the PMI would be removed automatically. On   XXXX   XXXX   I was told that I must place a written request to have the PMI removed, which I did and immediately received a replay email on that day. The replay email stated that I please wait 5 days for a response. As of  XX/XX/XXXX  I have not received an Email, Hard copy or a return phone call. This company has the worst customer support group that I have ever worked with, regarding any phase of business. I do have copies of the corresponding emails.

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 08-03-2017 about Debt collection (I do not know) with Prince Parker & Associates (RI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This complaint is being filed pursuant to my original complaint ( XXXX ). Received multiple calls and now a second voicemail. In both voicemails left, the person calling failed to meaningfully disclose the caller 's identity and to disclose that all communications were from a debt collector trying to collect a debt.
I found out that the caller was a debt collector by XXXX their contact information, and found the following page, which prompted me to file this report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: their customer service would not help and take care of the negative inquiries reporting to your credit report. 


+ All Banks XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Credit Unions XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX/XXXX Inquiry from XXXX XXXX, XXXX + National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXXl XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Sales Financing XXXX XXXX from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry from XXXX XXXX, XXXX + Telephone Companies XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Credit Unions XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XXXX XXXX, XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX XXXX, XXXX Inquiry from XXXX XXXX, XXXX + Auto Financing XXXX Inquiry from XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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 sent 4 letters to XXXX and TransUnion in regards to verifying my negative accounts shown on my credit reports and have also sent letter to the creditors proving that the accounts indeed are valid. Nothing with my signature was provided. XXXX after 2 letters deleted all the accounts in question, but he other 2 ( XXXX and TransUnion have not ) I have all the letters sent to the 2 agencies and have certified proof of their receipt. My name has a middle initial with a XXXX and they are sending me stuff with my name with no XXXX These negative accounts are ruining my credit and preventing me from several things im entitled to as a U.S. citizen. Please help. Thanks

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 05/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing LLCXXXX XXXX XXXX SD XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct. No. XXXXMy loan was transferred ( sold? ) to Green Tree on XXXX XXXX, and since that time I have had nothing but problems with Green Tree ... the main problem is that XXXX did not apply, or did not notify Gree Tree, of my XXXX XXXX payment ... XXXX XXXX XXXX has been involved and helping me with trying to work this out, but Green Tree seems to be totally unwilling ... 

I have sent XXXX my payment records to XXXX for the past year, which shows I DID NOT MISS ONE MONTH OF PAYMENTS and also SENT ADDITIONAL FUNDS SEVERAL TIMES DURING THE YEAR ... .I am attaching this once again. 

I am upset that my loan was sold and I now have to work with this company who is totally unwilling to do anything but demand XXXX PAYMENTS. I have told all of your reps my husband passed away 3 years ago, my income was cut in half, and I have only missed XXXX payment in those three years, and that was the month after he died, when his employer wiped out my checking account. 

I am willing to hire an attorney to help protect my home ... but do not see the need to. This is truly so frustrating. Please please have someone contact me. 

Sincerely, XXXX XXXX XXXX XXXXthis is a summary of my complaint with XXXX Tree..this is the most unbelievably frustrating situation, and they are not willing to help me, only threatening my credit and home..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Settlement process and costs

Complaint: I contacted 2 mortgage companies for a refinance. Bank of America was one. I chose to go with Bank of America because I have all of my finances through them, including retirement, and they were able to match the quote from the other bank I contacted. They took their time processing the documentation that was submitted, then all contact from them stopped and I was assigned a new loan officer without any notice. My closing documents were updated with a significant increase in closing costs, including points ( the original closing docs did not include points ). I reached out to the new officer via phone, and my previous loan officer asking about the change and asking for it to be reverted. They ignored me for some time and we missed the original closing date. Finally, after contacting them again several times, I finally heard back from my original loan officer and he assured me the the closing costs were accurate based on what I was paying for taxes, and that the points had been removed. I confirmed that the closing document had been updated again with the removal of the points, and proceeded with the closing. The closing documents were NOT updated again on the mortgage portal, yet the ones I signed included points. After closing I realized that the contract I had signed included points, and I contacted my loan officer. He explained that the closing documents had again changed after my conversation with him confirming that no points would be added. He explained that because the loan took so long to close they had to add points in order to keep my original locked in rate. I was constantly asking them what the problem was and there were not held up through anything from my side - the delay was entirely Bank of America 's fault, and I told the officer that I should not have been charged points when they did not notify me of the change prior to the closing date. They clearly pulled a bait and switch, hoping that I would not notice the original terms had changed. I submitted a review on their internal loan satisfaction survey and selected the option that requested Bank of America contact me to resolve the issue. That was several weeks ago and I still have not heard back from 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 02/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XX/XX/2017, Chase closed all my credit cards with no reason given. I appealed the decision and my cards were not reopened. On several of the cards I had paid annual fees for the next year 's service of the credit card. These fees were not refunded to me, even though I not onger had the benefit of using the account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax refuses to verify credit inquiries on my file Equifax states it 's a matter of factual data. How can Equifax make that claim if they are not investigating the issue, stating that if I feel the info is false contact the creditors directly The creditor reported the false info in error and Equifax, the bureau of public record keeping should feel obligated to make sure the info they are keeping is accurate

Company response to consumer: Closed with explanation