milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (RI).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I want to use XXXX. It blocks external applicants.

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To W hom It May Concern  : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and  may possibly be relatives address. Please see the attac hed copy of my personal mail and bills for your reference. For the record I have lived in the same residence for over 7 years.     My name is :  XXXX   XXXX   XXXX  Please remove all other name variations IMMEDIATELY. They are not accurate.     MY CURRE NT WORK INFORMATION IS :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   My current  phone number is : (  XXXX  )  XXXX  Also, my current and only address is :  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I HAVE RESIDED HERE FOR 7 YEARS (  XXXX  ) YEARS All other addresses are not accurate. Please remove THESES addresses IMMEDIATELY :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , O H  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 02/28/2018 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (MD).
Issue: Struggling to pay your loan

Complaint: I hit a hard time with finances when my husband got into some trouble and was unable to make payments on my loan. After that I forgot about it until I received a phone call today that I was being served with a civil complaint and that the amount was over {$1000.00}. 

I went back and contacted the original lender today and was told that the debt was sold and was given the new debt buyer 's information, which is XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: I was a victim of bank fraud by Wells Fargo several years ago but was able to sell the house the loan was for. The second time was a mortgage loan originated by a local bank in Idaho called XXXX XXXX who immediately sold to another bank which was XXXX Bank. The loan was a derivative meant to force foreclosure since my debt to income ratio was way too high w't even make sense or respond to the appropriate account details.ay too high and the bank should never have approved the loan. This loan was my mom and dads house which I had XXXX third interest in and also had {$26000.00} for a down payment to get a lower interest rates and affordable monthly payments. All my complaints and questions were never addressed adequately even when I sent tangible documents to prove my case all the way through both banks system but there was no one accountable and my serious complaints were ignored answered by various form letters that didnt refer to my account detail and did n't even make any sense. I lost almost everything I worked my whole life for due to the financial breakdown. The banks were all stealing my money and no one would help me and I could n't afford a high priced attorney and even if I could what lawyer is going to stand up against the tremendous power the mortgage lenders had on everybody. Although I was able to reaffirm the loan I still have on my mom and dads estate, I owe way more than the house and property is worth. I had to move out and get it rented to cover the mortqage and equity loans I had to get to pay all my bills. XXXX mortage and equity loans are through XXXX Bank they had me set up so I was robbing XXXX to pay XXXX ( so to speak ) I had to move back to XXXX State and request XXXX for the first and only time in my life at XXXX XXXX XXXX it was a tremendous strain on my pride and self-respect. Even now I still suffer high insurance premiums and large deposits for rental housing, power and other utilities. Would you kick a suffering dog when he was already down?? That is what it feels like to me. I have no more options or funds to continue this fight just trying to pick myself up from the bottom and start over.

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 08-02-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I was referred by the XXXX District Court of Maryland in XXXX to the Consumer Financial Protection Bureau regarding my complaint with Bank of America. A representative a couple years ago via phone rudely addressed to myself that Bank of America would aggressively close my account. I had attempted to resolve the issue ; however the financial institution did not listen. They had shared that it was because of a report to XXXX. I had investigated the report ; XXXX had removed the debt because it was proven to be inaccurate with the documentation that I have provided. However, Bank of America still refuses to open a bank account, despite the removal. My complaint is how aggressively they had closed the account in general. I was recently shared by a representative in person it was due to " issues with Bank of America. '' In addition, there are other civilians who occasionally complaint about the financial institution. Respectfully, and as a voice for communities, other consumers have shared that representatives are disrespectful towards them, have high expectations and have them wait for extensive periods of time. As a courtesy, these issues are being addressed because there are communities, such as XXXX, MD, and New Jersey that are unhappy with Bank of America. Consequently, and per the referral of the XXXX District Court of Maryland courthouse, I am raises these concerns, and matter to the Consumer Financial Protection Bureau.

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 08-12-2017 about Debt collection (I do not know) with Franklin Collection Service, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have never heard of XXXX XXXX XXXX or have had any communication from them. They appear as a negative collection mark on my credit report. When I disputed the collection, the results came back as it was my debt but I have not received any information on what the debt was for. I have never heard of XXXX XXXX XXXX nor have I ever received any communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit card () with SYNCHRONY FINANCIAL (NE).
Issue: Transaction issue

Complaint: I called CareCredit billing inquiry specialist -XXXX # XXXX at XXXX this morning of XX/XX/2016 about the closure letter they sent in regards to my complaint on a transaction charge. I tried explaining my issue in regards to product and services received was questionable raked with QC issues. She iterated that there was nothing she could do and that they are a bank only. I tried explaining that the product was defective in which I was charged {$650.00} for a XXXX that was less than 3 months old that never fit the first time XXXX. I explained that it broke upon removal XXXX twice. The final time it broke the XXXX refused to fix it or replace it and was told it would not be fixed. This is a lemon the 1st time I received and paid for the said product and it never worked accordingly with Quality issues. I explained that I should have to pay for this costs since it was a lemon to begin with.The person I spoke to was ignoring my plea and insisted that this was a bank only and refused to help. I even mentione dthat no one ever called me in regards to the investigation to hear both sides of the story or whether I have the option of formally writing in to dispute the claims made by the other party.In addition, when I requested to speak with her supervisor, I was told immediately that she was not available. When I asked to speak with the Dept Head, I was told the same thing - not available. When I insisted, she said that someone will call me back within a couple of days. This is a total brushoff. I am paying {$650.00} for a product that is defective from the start. I am not getting any fair credit card protection in this case nor any fair compromise or recourse.

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 12/16/2016 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: COLLECTOR SERVED FRIEND NOT ME IN VIOLATION OF FDCPA, WENT ONTO MY CREDIT AS AN INVALIDATED DEBT LISTING IN VIOLATION OF FCRA, MADE XXXX CALLS TO FAMILY MEMBERS IN VIOLATION OF TCPA! ( HAVE VOICE AND RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Other debt) with Neiman, Stone & McCormick , P.C. (IA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX was contracted by me for yardwork and lawn upkeep. I made an arrangement to pay of every other week. I paid by US Postal Money Order several times and once by personal check. I NEVER RECEIVED ANY KIND OF BILLING STATEMENT ; NOR WAS I GIVEN A PROPER DEBT VALIDATION IN WRITING PER THE FAIR DEBT COLLECTION ACT. 

In the meantime, the property my sister inherited ( the family home ) was foreclosed and we had to vacate the premises. We never received any kind of written communication whatsoever from XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, Iowa filed a garnishment against my XXXX XXXX XXXX checking account through the lawyer for my mother 's estate despite the fact, that that attorney, XXXX XXXX XXXX, practicing law in XXXX, Iowa is in Conflict of Interest because he represented the Estate and the Guardianship at the very same time he represented the Credit Union that held my late mother 's Home Equity Loan note. XXXX had no problem communicating with XXXX XXXX XXXX which said company can not find its way to XXXX   County District Courthouse ( XXXX  Iowa ) but could find the way to a courthouse in XXXX XXXX ( mid-state Iowa ). 

I want the alleged debt validated -- to show what I have paid and exactly what is owing and the garnishment lifted from my checking account because I am taking care of an invalid and need the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (WA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I referred my friend for the XXXX XXXX XXXX XXXX XXXX XXXX Credit Card on XX/XX/2017. American Express had a program that promised me XXXX XXXX XXXX points if that referral was approved. The referral was approved on XX/XX/2017. I've reached out to American Express many times and they keep saying to check back in a few weeks. It has now been 16 weeks and there has been no resolution. I have given them the opportunity to fix this, but they keep stalling and telling me to check back later.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Advertising and marketing

Complaint: on XX/XX/2016 I went into Walmart to purchase XX/XX/XXXX decorations. During checkout the clerk informed me that I could get XXXX % off my purchase if I applied for a Walmart credit card. I agreed. I put my personal information in the terminal and he took my drivers license and input my information into the check out. I was approved and was then told I would receive a XXXX % discount on my purchase, instead of {$50.00} off. Once the purchase was completed {$150.00}, I did not see the XXXX % discount and was told it would show up on my statement. I received my credit card and my name was posted wrong. It listed my last name first, my middle initial was for my first name and my middle name was posted as my last name. I received my statement and received a credit for {$22.00}. I called the customer service center to complain and I was told there was nothing they could do. I informed them that my name was spelled wring and requested assistance to correct it. I was informed to fax a copy of my license to a number and it would be corrected. During the interim, I used the card. On XX/XX/2016 I tried to use my card at XXXX and Walmart and it would not let me complete the transaction. I called Walmart customer service and was told that I was told that the first time I called the representative should have allowed me to select a PIN and that I can not use the card, because the deadline have passed and they would now have to mail me a PIN to use the card. The problem that I have experienced is that I was not disclosed, or disclosed wrong information - otherwise, I would not have applied for the card. I was also put in embarrassing situations without being told that I needed a PIN to use the card. 
Thank you for any help that you can offer.

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 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have several inquiries on my credit report that are not, and were not made by me, I have been a victim of identity fraud and I have an alert on my report to notify me if someone tries to open an account, and I talked with someone at the department store and company to have removed.but they said because of alert account wasnt open so no problem. But its a problem for me. The inquiries are listed below. 
XXXX XXXX/XXXX/XXXX, XXXX & XXXX. 
XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, ( twice ) same day.
And theses inquiries are hurting me.

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 11/27/2017 about Debt collection (Mortgage debt) with Rent Recover, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Me and my boyfriend moved into XXXX XXXX XXXX on good standings.We paid our rent every month and never gave our neighbors any problems. My boyfriend is in a XXXX and we explained that to them. Everything was ok in the beginning until things started going bad with my neighbors upstairs apartment. The people upstairs had a bad leak that took them days until they decided to come fix it, they did n't treat the problem properly just covered it with paint and the problem kept coming back. We asked time and time again we put in work order after work order for them to fix the problem but they just brushed it off. Well due to their brushing the problem off, the walls accumulated mold which caused my boyfriend to catch a XXXX XXXX that put him in the hospital for many months at XXXX XXXX. We were not the only people that had mold and the apartments knew that. We stayed in our lease and told the leasing office about our situation and they still did not want to fix the problem or work with us. We did n't leave because we just wanted to, we left because it was a XXXX emergency We had proper documents from the Hospital and Doctor appointments. Not only that allot of crime was going on inside of the apartment complex and the leasing office felt like it was ok not to inform the residents on what was going on, my neighbors right next door and upstairs apartment got broken into and a lady three doors down got XXXX  and when I asked the leasing office what they were doing about it as far as safety, they told me it was none of my business and they did n't feel like it was a concern. Not knowing that I knew already that the man who did it stayed there and still had a gate card and a key due to another neighbor telling me what was going on. They had people running through the bushes running from the cops and one of the guys ran into my apartment as I was going in with my niece, when I told the leasing office about it all the lady said was " Awww I 'm sorry to hear that '' .The gate was never working and security was just letting  anybody in. I 'm a female and my husband is in a XXXX it just was n't safe for us. Even though we was right down the street from the jail the police still take their time to get there.

Company response to consumer: Untimely response
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I checked my credit report and found the company diversified consultants on their as a debt I owed. I called the company and was told I had to pay the amount requested {$1300.00} or I will get sued. I explained to the guy XXXX that this debt did not belong to me. So on XX/XX/XXXX I mailed a certified letter to the company asking them to validate the debt and send me the signed contract and copy of my photo ID. They in return sent me a bill from XXXX. Which shows a address which never belonged to me. I have never lived in Utah. 
I called XXXX on XX/XX/XXXX trying to get information about this bill. They kept transferring me all over the place and then finally told me they could not give me any information without the account number and address on file which I did not have because it was not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All of this happened on XX/XX/XXXX - XX/XX/XXXX ... I heard about the major equifax hack so went to www.equifaxsecurity2017.com to see if my information was hacked. I was told my information was jeopardized and they recommended i sign up for their credit monitoring " XXXX ''. I found out afterwards that after a year you have to pay for the credit monitoring and that by signing up you agree to an arbitration clause possibly losing your right to sue Equifax. Both of which were no clear and hidden away in the fine print. Lastly there are also reports that when u sign up to see if you are effected the response you get is automated and may not be accurate. In short Equifax gets hacked, they possibly lie to you whether or not you were effected and then tell you to sign up for a paid service and then also make you wave your right to sue them. Ridicules..

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AMCOL Systems, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: my personal identity has been stolen and used to open this account i have filed police report and and affidavit to that effect but this company has this fraudulent account on file as me as well as continue to try to collect and report this fraudulent account to the credit bureaus ...

Company response to consumer: Closed with explanation