milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2015 about Credit card () with U.S. BANCORP (NC).
Issue: Advertising and marketing

Complaint: US Bank - Bait and Switch. I responded to a web based offer, offering free XXXX XXXX points with a " bonus award nights '' promotion, if I signed up for a US Bank XXXX XXXX XXXX card. The company would offer XXXX XXXX hotel points to sign up for the card, pay a {$75.00} annual fee, and spend {$2500.00} on the card within XXXX months. As part of this bonus, one can use the points to book hotel rooms through XXXX XXXX, and if one books XXXX or more nights in a row, the last night is Free. This is a significant offer and the primary reason I signed up. ( A friend of mine did the same ). After signing up, I received the card in the mail with the rewards program details ( see attached ). I received this XX/XX/XXXX. When I called to activate my card, I asked about the rewards program and was told that the bonus award night promotion was ending effective XX/XX/XXXX. I was quite perturbed and felt misled, however, when I told the US Bank representative ( her name is XXXX ), after conferring with her manager, she told me that because I had just signed up for the card, the bonus award night promotion was being extended until XX/XX/XXXX. I made her confirm that this was indeed the case, prior to activating my card, which she did. Since she confirmed, I activated the card. Today, XXXX XXXX, I called in to attempt to use some award points to book a hotel room and was unable to utilize the bonus night promotion. When I called US Bank they told me that the program ended on XX/XX/XXXX for everybody - no exceptions. I spoke to multiple customer service reps to inquire as to why I was misled when I was activating my card. None of the customer service reps would not let me speak to XXXX or her manager, despite multiple attempts. I let them know I would be filing with the NC Attorney General, and they tried to " bribe '' me with XXXX bonus points. I did not take this, and told them to close my account and refund the {$75.00} annual fee. I feel that US Bank blatantly lied to me in an attempt to gain me as a credit card holder to pay a {$75.00} annual fee and spend money on their card. I would sincerely appreciate the NC Attorney General 's office looking into this matter. Their are many reports online of people having similar issues with US Bank, specifically as it pertains to their XXXX XXXX program. Thank-you. - XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient holds my private loans. They have made it impossible for me to repay my loans in time and reported erroneous late payments. They cheated me out of lower repayment plans. They allocated my payments toward my interest and not my principle. When I was trying to pay the loan back, but was in economic hardship, they kept insisting that I do a forbearance, resulting in very high interest added to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: In  XXXX   2017, I sent a request to each  XXXX ,   XXXX   and Trans Union regarding removal of the extended fraud alert on my credit profile. With this request was a copy of my government issued identification for identity verif ication.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows :   XXXX   : Responded by ADDING an initial fraud alert  Trans Union : R esponded by ADDING an initial fraud alert  XXXX  : Has failed to make any response to the request.

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 08-04-2015 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (MD).
Issue: Shopping for a loan or lease

Complaint: I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit. These inquiries were done without my knowledge, authorization, consent and or signature.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: On XXXX XXXX, 2016 I went to TransUnion where I intended to pay {$1.00} charge to see my credit score. I was careful to look around to make sure that I did n't sign up for a monthly credit monitoring service because the website felt like it was n't designed to be clear about what I was about to pay for. I wanted to see my credit score and felt like any of the XXXX major credit bureau 's surely would n't be predatory. I woke up this XXXX with a {$19.00} charge from TransUnion and a {$21.00} charge from XXXX. I happened to get an email from my credit card company alerting me to transactions. Otherwise, I would have never noticed these charges. After much searching, it turns out that the only way to cancel these services is to call. None of these services sent me an email receipt. 

I would like the CFPB to stop the XXXX credit bureau 's from operating in shady ways to make money. These bureaus exist to reflect our individual integrity to potential creditors. They should operate with the highest level of integrity and not take advantage of people with confusing and tricky tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/25/2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (IL).
Issue: Trouble during payment process

Complaint: On or about XX/XX/XXXX, I called Citi-Mortgage and inquired  about setting up bi-monthly payment. Their representative said that everything was taken care of, and I could submit bi-monthly payments whenever. I submitted my first payment on XX/XX/XXXX and the second payment on or about XX/XX/XXXX.

Citi did not apply the XX/XX/XXXX payment to the XX/XX/XXXX payment. They instead applied the payment to principle. For the next 8 months, the payments were out of sequence, with the mid-month payment finishing payment for the current month instead of becoming the first payment of the following month. They never sent me a late payment notification, so I had no idea this error was occurring. Once I found out about their error, they refused to fix their mistake. 

In XX/XX/XXXX, they sold my mortgage account to another company. The payments were still out of sequence. The new mortgage company required me to pay both of my bi-monthly payments for XX/XX/XXXX so that I was current. Paying on XX/XX/XXXX would generate late fees. Because Citi never fixed the problem, I had to pay an additional half of my mortgage payment in the same month, making three 1/2 payments to keep avoid late payment and fees. 

Citi lied to me me about being able to make bi-monthly payments beginning in XX/XX/XXXX. 

Citi never informed me that the XX/XX/XXXX payment went to principle. 

Citi refused to fix the issue with the payments I made in good faith.
Citi then sold my account to another company before fixing the issue.
Citi denies that I ever contacted them in XX/XX/XXXX about setting up payment.

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 08/19/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Loan was service released to GreenTree from XXXX. We requested a payment history of the debt is owed from the time the loan was originated. GreenTree has stated that they do not have to provide the history to support the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Fees

Complaint: American Express Gift Cards charged {$60.00} in inactivity fees on a {$100.00} balance card, received in 2005 and never activated. 

I have some repsonsibility for losing track of the card. XXXX of the balance in fees is excessive. Amex reversed the last $ XXXX monthly fee and reissued a card with a {$40.00} balance. I 'm not satisfied. 

Current Amex Gift Card policy, prominently displayed on the website, is " No inactivity fees or other fees after purchase '' and " Funds do not expire '' [ 1 ]. 

There was even a class action [ 2 ] settlement. All action dates have passed. I did n't find out about it until after I discovered the card and reduced balance. 

We have XXXX of these cards. Only XXXX has been addressed with Amex. I respectfully request the complaint cover both. 

[ 1 ] XXXX [ 2 ] XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX I continued to pursue the collecting stolen funds {$80000.00} at Capitalone XXXX branch. In the mean time, I also lost my deposit {$9.00} at this branch. The branch manager XXXX XXXX was extremely hostile to me stating that all my accounts were closed by Capitalone bank, that I am not allowed to access the branch anymore. I have asked him to return my stolen funds especially the huge loss on XXXX XXXX, XXXX stolen by theft XXXX XXXX. He asked my to leave to contact corporate office. I have contact the customer service immediately and spoke with XXXX XXXX, he told me he filed a complaint against XXXX XXXX at XXXX branch to fire him. At this time, I file this complaint again via CFPB to ask my stolen funds to be back. See attached lawsuit. I have nothing to do with this theft bank anymore. DO NOT OWE ME. 
Acct : # XXXX Date of lost funds : XXXX XXXX, XXXX & XXXX XXXX, XXXX Amount : {$79000.00} Interest Charge : XXXX % based on the lost principle Late fee : {$100.00} per month total {$3600.00} Collection Cost : {$150.00} for 7 times branch visit Time to Spend to Collect : 14 hours at {$200.00} per hour Total {$2800.00} Pain & Suffering : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I have been calling this LoanCare company since XXXX XXXX trying to find out when my property tax check would be cut from my escrow and whom they would be sending the check to. There is plenty of money to cover my property taxes, yet no one after XXXX calls can give me an answer where the money is and why it has n't been paid. I have spent numerous hours on hold to get absolutely no where.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (VA mortgage) with PHH Mortgage Services Corporation (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with my current mortgage company, PHH Mortgage, in regards to a loan modification. Back in XXXX of 2016 I was informed that my loan modification had been approved and that my first payment was due in XXXX. I made the first payment as scheduled. In XXXX I received notice that my loan modification had not been approved. I contacted my attorney and that third party company that I was working with regarding this notification and as result, it turns out that the mortgage company had not sent any trial documents and that the loan approval documents had not been sent to the correct address. After receiving all of this information PHH mortgage advised that the loan modification had in fact been approved, the miscommunication of loan documents had been an oversight on their part and to go ahead and send in my payments directly to them. I have now received notice that my home is up for foreclosure with a date and time of sale. I am an XXXX service member, which the mortgage company is well aware of, and have stayed engaged with them in every step to save my home. I contacted my attorney and the third party company for assistance in this matter. Contact was made with PHH Mortgage to discuss this matter and now we are being told once again that the loan modification has not been approved and that my payment has been return ( nothing has been received from PHH Mortgage ). We have asked to speak with my case manager at PHH Mortgage, his supervisor, and that persons supervisors. No one is ever available to assist in this matter. Once again I am in danger of losing my home and also, the tenants that I have living in the home are in danger of being put out. This highly unprofessional and unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom it  may  concern, I mailed a Multiple  Inquiry  Re moval Letter  on  XXXX   XXXX ,   XXXX  , by certified mail in order to dispute information, in regards to 10 hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX  , and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included 10 Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. After this, another inquiry was made in  XXXX  and I called Transunion immediately and was told they could n't see it. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it state s that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having these many hard inquiries on my credit report display as a sign of financial trouble when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 09/22/2015 about Debt collection (Credit card) with The Shindler Law Firm (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: COLLECTION AGENCIES KEPT CALLING AND TRYING TO SKIP TRACE MY BROTHER ETC IN VIOLATION OF FCRA, FDCPA, TCPA

Company response to consumer: Untimely response
Consumer complaint received 09/20/2017 about Payday loan, title loan, or personal loan (Installment loan) with EQUIFAX, INC. (GA).
Issue: Struggling to pay your loan

Complaint: XXXX XXXX XXXX XXXX, 2012 {$240.00} disputed over the phone and mailed in paper work that shows its included in my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Good Morning, I contacted IQ Data International in XXXX this year in reference to a debt that does not belong to me. I requested debt validation and realized months letters that I never received any information that proved that the debt belongs to me. I have no contract with the company and again request proof of the debt in question in the form of a I sent another letter dated XX/XX/XXXX requesting validation once again. I received a letter from IQ Data stating they do not have to validate the debt and will not send the information requested. The letter was dated XX/XX/XXXX. 

This is not satisfactory as not only do I not the debt but there has no information satisfactorily sent to me proving that the debt is mine. 

I call in to question the validity of the debt considering that IQ Data was part of class action lawsuit for improper collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Consumer Loan (Vehicle loan) with FC HoldCo LLC (AZ).
Issue: Managing the loan or lease

Complaint: I have received late fees on my account due to my auto loan company ( Flagship Credit ) not processing payments in a timely manner. I have mailed my payments TWO WEEKS before the due date and it takes them four weeks and sometimes longer to post the payment to my account. 

Also, I applied for a two month deferment and was told via phone it was approved and I could skip a months payment, so I did not not make a payment. Come to find out the deferment was not approved and they reported to my credit report LATE payments, I have called and called and finally I received an agent that saw what happened and went ahead and approved a two month deferment but she told me she could not correct the reporting to the credit bureaus. 

I have perfect credit with NO LATES or non-payments. I have now gone from a 100 % on time pay to a 97 % on time pay with the credit bureaus and I want the finance company to remove the late from my credit report as this is their error and not mine, I pay my bills on time. I also want the late fees removed from my billing as well, I should not have to pay late fees due to they untimely payment postings. 

I now call in my payment on its due date and have to pay a processing fee that they charge to ensure my payment is received on time which I should not have to do! They should be able to process a mail payment in a timely matter and not wait 4 - 5 weeks to post a payment every 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 09-12-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MN).
Issue: Trouble during payment process

Complaint: Ditech lied in their response to my last complaint. There should be no late fees from XXXX as all past due amounts through XXXX/XXXX/XXXX were paid on XXXX/XXXX/XXXX. They were paid the ENTIRE amount they claimed was owed. I have recordings to prove they are lying. They need to try again because I can prove they lied in response to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. 

Very Respectfully, 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 explanation
Consumer complaint received 06-03-2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Taking out the loan or lease

Complaint: Springleaf Financial of XXXX, CA Office refused to give me an approved loan after the review of my XXXX Bank Statement showing that I was making Installment Loan payments to XXXX XXXX and offered Today to reimburse me for gas and mileage from XXXX CA to XXXX and return.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief