milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Other fee

Complaint: I had an XXXX card from XXXX. XXXX converted all their customers from XXXX to Barclays. Two weeks ago, I received an email from Barclays that my payment was approaching and asked me to schedule automatic payments, which I did. I scheduled auto pay to be paid the day before my billing period. When I went to check my account yesterday, it said my payment was part due and I was charged a fee. I called to find out what happened and they told me for autopay, the first payment does n't take place until after 30 days. they never informed me of this. In fact, in the auto pay confirmation email, there was no fine print and no information that stated that the payment would not go through until after 30 days. I have also had a similar problem with XXXX who canceled my autopay after 12 months without informing me then charged me a late fee, reduced my credit line and dinged my credit score. These credit card companies are finding loopholes to scam honest customers out of money by not informing them on their specifics behind auto pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no notification that I could potentially be impacted, no email, letter, or phone call. Instead had to discover it via social media and through news agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mother passed away XX/XX/XXXX and she had a reverse mortgage on her home. I am the sole heir to my Mother 's estate and live in this property. It is my desire to purchase this home under the provisions of the FHA reverse mortgage. When I notified the mortgage servicer Reverse Mortgage Solutions ( RMS ) ( XX/XX/XXXX ) and told them what I wanted to do, they had me fill out paperwork for them. I was never told that the home needed to go through probate by them. It was n't until late in the process that they informed me about the home having to go through probate. I have been approved for the loan to buy the home, but they have filed a notice of trustee 's sale and the house will be sold on XX/XX/XXXX. I have asked for a postponement but they have not granted my request. I have lived in this home since birth ( XXXX years ) and I do not want to loose this home as it was my Mother 's desire for me to have this property. 
Every time I call RMS I seem to get a different person which has also been very frustrating since they never seem to have documents I have sent to them previously.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: This company, USAA, claims to have the right to hold payments to my credit card balance for 7 days. Whenever I make a payment, they deduct it from my checking account and credit it to the balance on the credit card but the funds are not available for use for 7 days. It is the only credit card that I have that has this policy. Is this legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Bank account or service (Other bank product/service) with BANK OF THE WEST (CA).
Issue: Account opening, closing, or management

Complaint: Applied for business loan. As of today it 's a month since it was started. Bank staff works not full day in branch and it delays the process. Finally when all verification cleared ( after Month ) and only loan should be signed bank agent will go on 2 weeks vacation and nobody can finalize the process. My husband is out of business for that reason for more then a month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MI).
Issue: Fraud or scam

Complaint: I purchased an item on XXXX ( item # XXXX XXXX board for XXXX   XXXX laptop ) from ( XXXX seller XXXX ) on XX/XX/XXXX. It wasn't shipped until XX/XX/XXXX. The item arrived into my mailbox on XX/XX/XXXX. USPS tracking # XXXX. Due to a XXXX in the family I had to fly out of town and didn't get a physical posession of it upon my return on XX/XX/XXXX. on XX/XX/XXXX, 3 days before sellers 60 days warranty expires, XXXX board mysteriously dies. The computer is completely useless. I have tried contacting the seller, but all I got is the run around. I filed a dispute with paypal ( Claim - # XXXX ) An hour later it was closed with explanation. 
Status After careful consideration, we're unable to decide this claim in your favor at this time. 
The listing accurately described the item you received.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: XXXX. In XX/XX/ I notice that someone had done several withdrawals from my checking account funds were missing I call to make a compliant spoke to XXXX from chase bank in XXXX then received a letter that no errors had occurred I request that my funds be restored ... thank you. Date XXXX ... XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Debt collection (Payday loan) with SECURITY FINANCE CORP (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls constantly. Shows up at my house unannounced & beats on my door

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Premier Recovery Group (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have received several phone calls from a representative for XXXX XXXX XXXX or XXXX stating that I am going to be sued for an online payday loan that I received on XXXX/XXXX/2010 and stopped paying on in XXXX of 2010. I did not take out this loan nor did I receive the alleged funds. I am very concerned as the company had the last XXXX of my social as well as my bank account information. The company is threatening to send processors and take me to court. Please advise me of my next steps.

Company response to consumer: Closed
Consumer complaint received 09/25/2015 about Debt collection (I do not know) with Herbert P. Sears Co., Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debitor continues to reage this illegitimate debt on my credit report resulting in my scores to plummet. The debt reaging is done without my consent! 

HP SEARSXXXX XXXX XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency HP SEARSOriginal Creditor XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Problems caused by my funds being low

Complaint: To who concern : I called West Fargo customer service at XXXX to complaint because I got XXXX overdraft fee that I consider unfair. But, they didnt take my complaint by telephone. For this reason, I am writingto you because they are charging me those hidden and unfair fees several times. In XX/XX/2016 I deposited online to my account XXXX the sum of {$280.00}, also I had anavailable balance of {$12.00} to make payments in the next day. Then, on XX/XX/2016 I made two payments to XXXX Online. However, Wells Fargo Bank paid those transactions earlier, and they process my deposit two days late. Their purpose was charge me irregular overdraft fees ( total amount of {$70.00} ) like they usuallydo base on their " banking politics ''. 
I want to tell you that these charges are irregular and unfair to the bank customers. They must stop this illegal practice, and I request the refund of those fees which were improperly charged to my account. 
Thanks. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2016 about Mortgage (Other mortgage) with Real Time Resolutions, Inc. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: 2006 my home was foreclosed on the original mortgage holders were XXXX and XXXX who both have since removed the old accounts from my credit report. I just recently noticed that Real time solutions has recently started affecting my credit score because they purchased the debt from XXXX that was not paid by the foreclosure they show the account on my report as being active and past due and recently changed something on the status to affect my credit. This company refuses to remove the account even though the original creditors for this debt have done so and it is outside of the 10yr time frame that allows them to report this debt, realtime shows this account as active and when they purchased it it was shown as closed or forclosed. Please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Other

Complaint: Capitol One reporting outdated information to my credit report. For easy reference, I 've enclosed a copy of the credit report that XXXX Provided to me. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. XXXX ] " XXXX Delinquent date is as XXXX XXXX XXXX, reporting periods only run 7 years. In my case, the information in question expired as of XXXX/XXXX/XXXX. 
As of XXXX/XXXX/XXXX capitol one frequently and illegally reporting and violating FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Federal student loan) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In addition to the disputes currently on record and filed with the FTC pertaining to the identity theft and the opening of accounts using my personal information. It was recently brought to my attention that there is a further account opened without my knowledge or authorization and i ask for information regarding the opening of this account and what details where used to verify the applicant. 
Please see the attached affidavit pertaining to the ongoing report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (KY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I applied for the Barclaycard XXXX XXXX card and Barclaycard Frontier Mastercard and was approved for both on XXXX XXXX, XXXX. I completed minimum spending requirements and annual fee requirement for the bonus offers on each card in XXXX. On XX/XX/XXXX at XXXX, I called Barclaycard as 1 ) I had not received my expected XXXX XX/XX/XXXX + XXXX XX/XX/XXXX miles for meeting the XXXX XXXX requirements. 2 ) I had not received my expected XXXX Frontier Bonus miles for meeting the Frontier card requirements. I was subsequently told that my cards were closed without my knowledge. I asked for my call to be escalated to a manager as I had not closed my cards The call was escalated to XXXX who is manager at Barclaycard. He apologized that he could not see why the cards were closed. I explained that I was very upset since my card were closed without my knowledge, I pay my bills on time with never a late payment and that I have not received my bonuses as indicated above. Furthermore, I explained that it seems that Barclaycard closed my accounts to claim that they were not legally required to pay the bonuses. This false advertising as I met the requirements 2 months ago for the bonuses. I appreciate the help. 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 11/28/2015 about Credit card () with DISCOVER BANK (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Please refer to my prior complaint filed in XXXX 2015 to CFPB. Discover falsely and unjustly dropped my ID protection coverage on the pretense that it had XXXX failures at Address Verifications to my home address. This has been disproven by an investigation by the USPS, XXXX XXXX ( XXXX Manager ) XXXX XXXX XXXX XXXX, XXXX XXXX. I have the letter and would like to attach as it has been scanned. But the CFPB should know based on my last complaint that I had been receiving regular hard copy billings for ID Theft protection and paid them on time prior to registering the CFPB complaint.. UPDATE : Today the United States Office XXXX XXXX XXXX XXXX XXXX informed me that my ID and other confidential information were breached XX/XX/XXXX 2015 ( while, incidentally I was still under Discover coverage ) and that it would offer me and others so breached, three years of FREE US Government monitoring for which I registered today.. The point is that though I received an email from a Discover principle that my ID coverage would be reinstated based on the CFPB probe, that Discover NEVER reinstated it, so I am herewith registering my decline of any future ID theft coverage by Discover as the US Government is taking over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2017 about Credit card () with AMERICAN EXPRESS COMPANY (WA).
Issue: Rewards

Complaint: Dear Sir/Madam, I am writing to complain about the AMEX XXXX Preferred Guest Credit Card. Seeing the pre-qualified offer that spending { {$3000.00} } within the first 3 months I can get XXXX Starpoints, I applied for this card XX/XX/2016 through the link online. I spent { {$3800.00} } in the first 3 months, which is much more than what the offer requires but I never get the XXXX Starpoints till now. ( Detailed statements for the first 3 months are attached. ) I reported my situation to AMEX several months ago and tried to call the customer service tens of times but each time I got the same response that I need to wait for 6-8 weeks for reviewing without knowing the reason. I think I am definitely qualified for this offer and at least XXXX AMEX customer service representatives already confirmed that I am eligible to receive the points but they just do n't give me the points and let me wait. Therefore, I am hoping that AMEX can give my Starpoints that I deserved ASAP. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2017 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: I had 3 unauthorized transfers from my American Express Serve Card to 3 different people, that are unknown to me & the transfers were NOT authorized. # 1  on  XXXX  for {$260.00}  # 2   XXXX  for {$780.00} & # 3 on  XXXX  for {$1000.00}. Each time these transfers occurred, I notified  American Express Serve, where they changed my password, PIN & secret question. Money was still transferred from my account following the security changes. I kept being told that I was 100 % Fraud Protected with my Card but the bank had up 10 days to resolve the dispute. I called frequently requesting updates gradually becoming more frustrated now being told they have 45 days to resolve the dispute as I was " A victim of Identity Theft '' .The card credited me back the {$780.00} only & REFUSES to speak to me about the other 2 un authorized transactions after daily calls requesting updates.   I called on  XXXX  & asked to speak with an individual in the Fraud  Dept  & was informed they DO NOT ACCEPT CALLS. I became upset and requested they send me an e-mail update. Within an hour,   American Express Serve sent me an e-mail stating they closed out the account stating " I violated the contract '' & that " I authorized the transfers ''. American Express Serve also REFUSED to permit to speak with a representative regarding this matter. I have had health issues over this, my utilities shut off, incurred late fees & now have to move next week without the deposit money.
I filed Police reports for all 3 transactions & was not encouraged by them regarding retrieving MY money. I am now out $ {$1200.00} and very frustrated!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I leased a vehicle for 3 years. I paid every month by the due date. My report shows that I was 30 days late on XXXX 2012. I paid {$370.00} every month for 36 months. I did not miss a payment. I would like to dispute that I was 30 days late on XXXX 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit card () with DISCOVER BANK (FL).
Issue: Bankruptcy

Complaint: My Discover Credit Card ending in XXXX was cancelled by Discover Bank because I file a bankruptcy the XXXX later was Dismissed by a federal judge my account since 2011 was never late Discover have violation under FCDPA, FCRA AND TCPA BY RECORDING WITH NO MY PERMISSION I NEED CFPB TO REFER TO THE APPROPRIATE STATE AND FEDERAL AGENCY 'S

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX is stating that I owe {$2000.00} for services with Synchrony Bank from 2013. Thy are not able to provide any documentation bearing my signature, where the balance is coming from and what exactly it is for. I have sent several certified letters demanding that they provide me with all of the documentation to support this, which they have failed to do so. The only letter I have received was a letter stating the balance was " verified ''. This is a COMPLETE violation of Defamation, Negligent Enablement of Identity Fraud, Violation of the Fait Credit Collection Act and Violation of the Fair Credit Reporting Act. This is severally hurting my credit score and I have spent hours of my time and money trying to get this resolved. I demand that this be completely deleted from my credit report with ALL 3 bureaus. My next step will be small claims court, which I have already filled out paperwork & obtained an attorney. I expect this to be taken care of within the next 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has been reporting my account as late for over 90 days, back in XXXX I contacted them about my name change. They lost my files and never changed my name, from my marital last name to my maiden name. In XXXX my family went through a hard time and I contacted a debt management XXXX to help make sure that everyone still received payments including XXXX. XXXX denied my request yet accepted the payment from the debt management claiming that the last names did not match, however reported me to the credit bureau as late 30 day. I called to find out why were they able to accept a payment under a different last name same social security number but deny a proposal based on last name which i submitted back in XXXX. They reported through social which is on a totally different last name. Every month they received a payment from the XXXX XXXX company yet report me as being late for XXXX days, ruining my credit significantly. I contacted them only to be rudely answered by customer service. I am in the process of buying a house and they are the only company who have significantly ruined my credit with the late payments. I have stayed in constant contact with XXXX never missed a payment to the day that my family went into financial difficulty and still i ensured that they received a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 filed a CFPB complaint with Trans Union on XX/XX/XXXX regarding credit reporting issues related to XXXX XXXX XXXX XXXX under # complaint XXXX. They answered and closed the complaint on XX/XX/XXXX. 
Today XX/XX/XXXX I ordered and received a new copy of my current credit report. Trans Union is now reporting an open auto loan with XXXX XXXX XXXX XXXX as well as a missed payment. This account was already closed and charged off as indicated in the attached report from XX/XX/XXXX. It has decreased my credit score and is now showing I owe money on an open loan that is actually closed and charged off. This is in violation of FCRA. I have attached copies of XXXX XXXX recent letter and images of how Trans Union was reporting in XX/XX/XXXX and XX/XX/XXXX. It is against FCRA to report a missed payment and revolving credit on a closed and charged off account. They will continue to report this every month until they fix it. During that time it will decrease my score every month. I am requesting they fix this as the loan is closed and charged off.

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 12/18/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Closing/Cancelling account

Complaint: WALMART MASTERCARD / Synchrony Bank blocked my credit card a month ago. Then, they blocked my online access, so I ca n't even pay the bill. They do not want to speak with me saying they do n't know who I am. They could not be any more difficult. Most banks know how to appreciate your business. Not this one.

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