milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-11-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In  XXXX   2017  I switched my billing to eBills through my bank,  XXXX   XXXX . When the bank processed my eBill, the minimum payment due reflected as my entire balanc e ( so m e $ 4,000+ ). The bank did not process my payment due to the erroneous amount. I contacted Best Buy Credit Cards ( Citi Bank ) and explained my issue. I was told that any late fees would be reversed and that my   minimum payment due was that which reflected on my paper statement, about {$44.00}. I made that payment. The next month I received another bill with the late payment still assessed. I made my minimum payment due on time because the late payment should not have posted per the agent 's discussion. The same thing happened in  XXXX  except  XXXX  late payments were now assessed. When I called the contact center I was told that, despite the agent in  XXXX  accepting the payment as a bank error and thus reversing the charge, that I was still responsible for paying the late payment even though I was told it would be reversed. I remitted my minimum payment due per my original cardholder agreement and instructions from the agent.  <P/> Since then I have received no fewer th an 2-3 calls per day from a collection arm called Citi Client First. I finally spoke with them and expla ined my issue. I have been remitting my minimum payments due less their erroneous fees. The escalation agent,  XXXX , told me that he would not be able to reverse any late fees despite the fact that this snowball effect has occurred outside of my control. I remitted a payment of {$110.00}  ( roughly 3x my normal minimum payment due amount ) in order to stop the harassing phone calls and voicemails. Because o f these fees charged, the extra monies paid will not go to reduce my principle. Instead, they will go to pay fees that never should have been assessed per the conversation made in  XXXX   2017 .

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 02/26/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan servicer was changed by a federal government directive. My loan was moved from XXXX to Seterus. I was told by XXXX that the terms of my loan would not change and I would not incur any expenses. Seterus wants me to pay {$470.00} for Title and miscellaneous costs. I did not request a change in servicers. It was forced upon me. Seterus is going to make {$10.00} of XXXX of dollars on the life of my loan. I will file a complaint with Seterus to waive the fees. I am sure thousands of people are experiencing the same issues with the forced change in mortgage servicers. I think it is underhanded to charge consumers fees on servicer change that was not within my control.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I filed a report with XXXX and Equifax stating there were items on my credit report that did not belong to me. I filed a formal police report about the incident and sent it into the credit bureau ( s ) along with the letters listing the items that did not belong to me and the credit bureau ( s ) did not remove the items. They sent me a letter saying they were not accepting my identity theft complaint and report and they are not removing the items listed on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I had a checking account with Huntington bank, I then closed it because the website was not user friendly. The account was closed per my request. They reported that the account is closed for cause ( The account is closed because the account was not handled in a manner consistent with bank policy ) in the XXXX warning report. This inaccurate information was used against me from another bank. The bankviolates the FCRA. Below is the report from XXXX XXXX. <P/>Consumer ID : XXXX Bank Name : HUNTINGTON BANK - OH Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Present Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX,, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Email Addresses : XXXXXXXXXXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian has not been letting me challenge items on my credit credit report that violates FCRA guidelines. 
The Accounts in questions are : 1. XXXX XXXX XXXX - Account Number XXXX Problem : XXXX XXXX did not follow FDCPA and FCBA Guidelines and unfairly reported the collection account to Experian. Its paid in full as well. Account should be removed from my credit bureau report. 
2. XXXX XXXX XXXX XXXX Problem : Date of First Delinquency with the original Creditor ( XXXX ), is more than 7 years old. This collection account should be removed pursuant to FCRA. 
3. XXXX XXXX Problem : XXXX Did not follow FCBA and FDCPA guidelines and sent the bill to incorrect address and I was not notified of the account being charged off and sold to XXXX XXXX, XXXX. I have complained against XXXX and XXXX. 
This negative information adversely affects my credit report and financial well being. Please remove this account. 

I am currently a member of experian.com but the website does not let me challenge or dispute the questionable negative items. I feel like I am being treated unfairly with the creditors having an upper hand with experian. The account security credit services also provided experian incorrect documentation in the past satisfying expeian. The date of first delinquency with the original credit of this account is around XXXX 2008.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: After purchasing products from overseas at XXXX. XXXX sends me a bill for international shipping or something. The bill was extremely irrelevant, ridiculous, and incredibly unnecessary. I refused to pay this bill because I already paid a big amount of money to purchase the products and shipping in the first place anyway, was confused why i needed to pay this bill ... Now they raised {$8.00}, originally {$58.00} now a debt of {$66.00} even though i do n't know where the XXXX they come up with these numbers and XXXX cents change ... I 'm so upset why this type of international law or policy exists.. when consumers are already paying for their shipping. I refuse to pay this unnecessary debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My parents entered into an arrangement with XXXX XXXX XXXX to pay off credit cards used to pay for my mother 's medical expenses. My mother passed away in XXXX 2015. In helping my father determine the agreement with XXXX, including the contract length, the payment arrangement, and the status of the debts associated with the contract, it has come to my attention that this company operates in a deceptive manner. The company takes the obligors monthly payment, does not contact the creditor until XXXX believes they can make some sort of settlement with the creditor. During that time, the representative told me they are well aware that the obligor 's creditors continue to charge late charge fees, increased interest rates, etc. Even though my father had notified them of my mother 's passing, XXXX failed to contact any of the creditor 's to determine if the accounts were in my Mom 's name or Father 's name. My father had enough money in his XXXX Account to settle the debt, but until I called they had not contacted the XXXX remaining creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: victim on credit inquiry and negative information reported on credit report.. I called the credit companies filed complains with them not solved i have negative information on my credit report from XXXX that was reported a payment was sent then returned back into my account because the bank could not match info when i checked i found out later with out notice that payment was sent back. account is settled and paid for XXXX XXXX is still reported negative info on my credit file .. Inquiries on my credit report from XXXX XXXX recently they requested my file on XXXX XXXX XXXX which resulted in a hard inquiry and from XXXX inquiry when i called i found it was from an auto loan place on XXXX XXXX XXXX inquiry. XXXX XXXX which i never authorized a copy of my report which results in a the inquires and negative info report on all XXXX bureas and this is really 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 07/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I have been a victim of fraud in XXXX I received a phone call saying they were from bank of america and they were calling from the loan department saying that I qualify for another loan modification everything seem so real paperwork had bank of america logo and calls were made from bank of america loan department he will always call me to make sure I made payments on time I made XXXX payments by XXXX he say it will go direct to the loan modification department I when I was ready to make my third payment I made a mistake and XXXX and when I was trying to make the corrections they told me to check with bank of america because there is been a lots of complain of people been fraud so I call bank of america and talk to them they say there is no modification been offer to me I walk into a bank of america on my home town and show them all paper work and to them they say it all locks legit they fax all paperwork to the loan department but they insist that there in no modification they recommended for me to go to the police station but police told me that I need some kind of report from bank of america that say that I reported this to them I been calling bank of america there is a report on the fraud department but now they say they can do anything for me now my hose is going on foreclosure bank of america told me to do a short sale bank of america does not care if they leave a family on the streets I been a victim of a fraud some XXXX is impersonating bank of america and nobody cares about it I do I do not want to lose my house and I need to help prevent this from happening to someone else the reason I am writing is because I need some kind of paper that say that bank of america is aware of this issue to take to the police department so they can open a case so please I will like for you to send me something so I can report this to the police

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 09-07-2015 about Credit card () with U.S. BANCORP (MN).
Issue: Arbitration

Complaint: On my behalf, XXXX XXXX XXXX and XXXX XXXX XXXX, has sent a letter to XXXX XXXX XXXX, requesting in the spirit of good customer service, that XXXX XXXX XXXX exempt me from the balanced owed on the following account ending in XXXX and cease and desist all collection efforts on the above referenced account and have the account deleted from my XXXX credit report immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed for bankruptcy in XXXX XXXX it was dimsd/closed chXXXX. Then in XXXX XXXX chapter XXXX was filed but I was determined to keep my home and did not pursue the bankruptcy. 
XXXX credit bureaus XXXX and XXXX have reviewed the Bankruptcy cases and removed them from my credit. Equifax has not removed them from my credit. i have disputed 4 times with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Consumer Loan (Vehicle lease) with VW Credit (CA).
Issue: Shopping for a loan or lease

Complaint: I was nearing the end of my first vehicle lease and went to XXXX XXXX XXXX to discuss my lease end options. The car had some obvious cosmetic damages that I pointed out to the sales representative. After speaking with the sales representative, he assured me that leasing another vehicle was my best option in order to avoid having to pay for excess wear and tear on the previous vehicle, so that 's what I did. 4 months into my new lease I got a bill from VW credit for all of the damages on the old car, over $ XXXX. I was sure that there as some mistake and went to the dealership. While there we reviewed my contract together and the lease termination was processed as a turn in, instead of a trade in, thus leaving me financially responsible for both cars. They denied ever telling me that I would n't have to pay for the damage on the car and since leaving there I have been unable to get a hold of the XXXX, they have been incredible non-responsive. I have filed a complaint through VW, the debt is now with collections and I do n't have the money to pay it. For someone without money for a down payment, or to buy the old car, it would make XXXX fiscal sense for me to lease a new car. The option that I thought that I was taking was the only way for me to pay nothing out of pocket. VW offered to make my final payments on my old car, and my first payment on my new car, and nothing down. It was the only way for me to not spend any money in the transition. At the least, I would have had the car inspected and opted to fix it myself through a certified mechanic friend before returning it to VW because it is common knowledge that the most expensive repairs are through the dealership. All of this was in XXXX of 2014.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced a house in XXXX of XXXX. Our Bank of America mortgage was sold at that time and the account closed. As of XXXX XXXX they are still reporting late payments. The account even says closed XXXX. We discovered this in XXXX of XXXX and asked them to accurately report. They have not done so. I am trying to purchase a new home and this is still an issue. They wo n't return calls or fix the issue.

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 04/17/2015 about Student loan (Non-federal student loan) with DISCOVER BANK ().
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hello, I took out a student loan with XXXX in XX/XX/XXXX to take marketing courses at University XXXX. The courses were demeed to prepare one for a marketing manager role which was untrue. I digress, about 2 years ago XXXX XXXX sold my loan to Discover. Discover has never been able to show me my full repayment history. It 's not available on my online account. I have called customer service many times to find out how much I have paid etc. They will not provide me with anything. The history in my account only shows the payment for the last month and sporadic untrue payments ... like a few payments in XX/XX/XXXX. Also, I have moved abroad and I can only pay from a XXXX bank account. I have direct debit set up and yet every month I get emails from Discover saying that i need to log in to my account to make a payment. I just received XXXX now on XX/XX/XXXX and my account is up to date! No payment is due until XXXX XXXX! So despite not having been a XXXX citizen, I was able to take out student loans for an expensive and inappropriate course, and 14 years later I 'm still paying and ca n't get an accurate history of what I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently pulled a copy of my credit report and noticed the following information are in error. 
Credit Inquiries The FCRA states that the only permissible purpose for pulling someone 's credit report is Firm offer of credit XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and Fact Act Free Disclosure Please remove these inquiries from my credit report immediately. Thank you.

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 12-05-2016 about Debt collection (I do not know) with Mutual Management Services LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: MUTUAL MANAGEMENT SR ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MUTUAL MANAGEMENT SR or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MUTUAL MANAGEMENT SR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed
Consumer complaint received 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: VERY SIMPLE IN REGARDS TO MY OTHER COMPLAINTS AGAINST XXXX NOW EXPERIAN AND XXXX ALL BC OF XXXX  PLEASE REMOVE ANY SECURITY FREEZES AND FRAUD ALERTS FROM MY ACCOUNT I DID NOT ASK FOR THEM TO PLACED ONT HERE THIS IS MY XXXX TIME REQUESTING THIS. I APPLIED FOR A BUSINESS ACCOUNT WITH A CERTAIN COMPANY AND IT REJECTED IT BC IT SAID EXPERIAN HAS PLACED A FRAUD ALERT ON MY ACCOUNT. REMOVE ALL FRAUD ALERTS AND SECURITY FREEZES FROM ALL 3 BUREAUS HOW HARD IS THIS TO DO. REMOVE THE FRAUD ALERTS AND OR SECURITY FREEZES FROM MY ACCOUNTS ITS AFFECTING MY ABILITY TO APPLY FOR CREDIT. I NEVER ASKED FOR THEM TO BE PLACED ON THERE FROM THE GET GO. REMOVE FROM EXPERIAN, XXXX AND XXXX AND I 'D LIKE AN UPDATED COPY OF THE REPORT STATING IT WAS REMOVED. 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