milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2015 about Credit card () with U.S. BANCORP (AZ).
Issue: Billing disputes

Complaint: Automatic Payments were dropped upon replacing a lost card. The account remained the same. There were no disclosures upon replacing the card that there would be a need to re-enroll in Automatic Payments. The Payment did not pull on XX/XX/XXXX and the card was frozen without notice. Upon calling the bank to find out why the card was frozen when I returned to the country on XXXX XXXX, it was discovered that this was in fact bank error and the account should have never been late. The bank refunded the late fee, but would not remove the restriction on the card. Prior to understanding this was in fact a bank error, a XXXX payment ( XXXX x times the minimum ) was transferred with US bank funds. It was refused to release the restriction from the card until Tuesday, XXXX XXXX, leaving me without the use of the card for 4 days as well as all of my funds tied up from the checking account in limbo to this payment. There needs to be clear and quick resolution for customers when the fault does not lie with the customer. I spoke with XXXX supervisors, XXXX agents, and requested to speak to a manager. The request to speak with the manager was denied, and stated they would return the call. They did not. Additionally, I asked for the head of the credit card division contact information, name nor number was provided. I asked for an escalation avenue and this was denied. Transparency in escalating requests and timely follow up with a large customer service issue did not occur.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
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: On XX/XX/XXXX I finally settled a debt with a bank I loaned from back in XX/XX/XXXX. The loan was for {$5000.00} and I paid {$4000.00}. The bank immediately sent me a confirmation of payment, and court documents stating the debt was satisfied. The bank assured me that they updated their reports with the credit bureaus, however, there are no new updates. I disputed on all three bureaus to get them to investigate to put pressure on the process in case the bank did not do their responsibility. I waited the appropriate amount of days and received negative results from all of the bureau stating that " all info regarding the bank is reported correctly '' but it is n't! My report does n't show I paid them anything and it is reporting the same since I defaulted. I do n't know who to turn to because the bank is shifting blame on the bureaus and the bureaus are saying it 's correct and the merchant is saying all info is correct. I know for sure some kind of law is being broken under the Fair Credit Reporting Act. They are reporting inaccurate information and it 's affecting my score which I am repairing.

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 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: This is my 4th attempt at getting this resolved with Equifax. I have notified them via 2 CFPB complaints AND via certified letter ( USPS ) that the phone number listed on my fraud alert is over 10 years old and they have not updated this information.
This has stopped me from obtaining any new accounts over the past 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with ZWICKER & ASSOCIATES (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: had a prior complaint ( Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Debt collection Issue : Attempts to collect debt not owed ). I did not receive a copy of the original settlement letter from Zwicker and Associates stating the amount and terms of the agreement. I need that from XXXX or Zwicker and Associates. They stated an amount but they did not send documents or proof of agreement. I was told the original settlement amount was 65 % of the XXXX total. That is roughly 2600.00.  When I requested this in writing along with an itemized receipt I was told I would not get a letter until completion of payments ( which I was told was XXXX, not XXXX. ) Zwicker made the agreement so they should have it in writing somewhere. Something showing the total amount and not just verbal. They have already received XXXX and XXXX and XXXX are now requesting the full amount of XXXX again. Is this legal??

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Medical debt) with Stanislaus Credit Control Service, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I never went to a hospital or clinic in  XXXX , California.My identity was used by someone and I was n't aware until I checked my credit.There is a collection on my credit with  XXXX ,  XXXX ,   XXXX   for {$250.00} and collection is hurting my credit.My credit scores are in the mid  XXXX .
Who use my identity to get credit or be admitted to a clinic or Hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Other mortgage) with HALLMARK HOME MORTGAGE LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home in XXXX XXXX and XXXX went into my escrow to pay property taxes for XXXX. {$3100.00} was paid out which threw my escrow into a negative of XXXX which I am being held accountable for. The correct amount of property taxes was not factored into my loan accordingly. The house was vacant for several years upon my purchase in XXXX. There was also a late fee charge accessed since taxes were not paid on time from XXXX. Exemptions were not filed for XXXX by previous owner. This raised my mortgage from {$690.00} month to {$1100.00} month. I am being held accountable for taxes from 2 years prior to me purchasing the home. I relied on and paid Hallmark Home Mortgage to correctly figure the right amount of property taxes into my loan. They do specialize in HUD homes and should have known to look and see if exemptions had been filed considering this had been a vacant home for quite some time. The error was on Hallmark Home Mortgage and feel they should be held accountable for the refund back into my escrow account. It was negligence on their part to not factor in property taxes as they should have. According to the XXXX XXXX XXXX, XXXX and Hallmark Home Mortgage, there definitely was an error made, but Hallmark Home Mortgage was not willing to correct their error when I went to personally speak to them in 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 monetary relief
Consumer complaint received 10-10-2015 about Debt collection (Non-federal student loan) with National Enterprise Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am continuously being harassed by a collection agency for a debt that is not owed. I was attending XXXX XXXX which was located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Which is no longer in business their doors was closed in XX/XX/XXXX. I have a Stafford Loan with the U.S. Department of Education with a remaining balance of XXXX. Which I have been paying since XXXX/XXXX/XXXX. XXXX XXXX submitted a notice to a collection agency National Enterprise Systems located at XXXX XXXX XXXX XXXX XXXX XXXX, Phone number ( XXXX ) advising them that I owe an outstanding balance of {$6100.00} not from my student loan, but from potential money they could have obtained, if I would have remained in school. XXXX XXXX dropped me XX/XX/XXXX one semester prior to graduating with a degree in nursing, stating that the funds they were collecting was no longer available. Stafford Loans Us Department of Education showing XXXX loans they XXXX were dispersed to XXXX XXXX on XXXX/XXXX/XXXX XXXX amount of {$3500.00} XXXX amount of {$6700.00}, there was also a submission of payment from the Workforce Initiate Act on XX/XX/XXXX in the amount of {$3400.00}, they also received Pell Grant money in the amount of {$2600.00}. I was not given any personal money. I am constantly being harassed by the collection agency for a debt I do not owe. I have never heard of collecting payments on services that was not received. Please feel free to contact me with any additional questions as required or needed. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (VA mortgage) with U.S. BANCORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: This problem started last year XXXX of XXXX in XXXX XXXX Texas. I 'm a XXXX veteran XXXX I turned all the paperwork in the month of XXXX XXXX when I retired from the military XXXX/XXXX/XXXX. The taxes district appraisal had my paperwork and said that they would send my documents into my bank. My bank, US BANK never received the documents. The District Taxes Appraisal said " It would be sent out in the month of XXXX, US bank would receive by XXXX they the mortgage rate would be changed then ". I called my bank in the month of XXXX or XXXX after leaving the District Taxes Appraisal seeing if they received my documents the rep from US bank said NO. the rep stayed on the phone as they talked & talk with the rep from the district appraisal. Nothing happened XXXX had n't done there part to send documents in. In the month of XXXX was at XXXX from the Department of the military. I turned those documents in my bank, through the district appraisal. It went in right away. Previously I received documents from US BANK stating that my mortgage would be at {$1800.00} starting the month of XXXX till there were new document to prorate & there would be a new mortgage balance. The bank totally ingored my documnets. I had my documents turned in on time before they sent the new bill of XXXX. I 'm curently behind on mortagae due to this. I 've had XXXX diffrenet amounts for mortgage. Being at XXXX my mortgage is XXXX ... Other veterans I 've spoken with is also in XXXX XXXX of XXXX XXXX their 's mortgage is in the low {$800.00} or high {$900.00} same square footage as well. I 've never been late on mortgage payments until XXXX XXXX US BANK old me they had noted my account several times with information once I missed payments they did n't know where notes had went, it 's as if they did a XXXX ' degree turn on me I felt like I was be abused by they mortgage company please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: For the past several years - at least 3 and probably more - I am continually being asked by Capital One to update my income. I have received letters about this via the US Postal Service. I have received emails about this to the email address Capital One keeps on file for me. And immediately after logging into my Capital One account I continue to receive numerous notifications telling me to update my income information. A few years ago when this first started these income requests were infrequent - approximately once every 2 or 3 months. In the last three months, the requests have been more frequent. They now only occur immediately after I log into my Capital One account, approximately every 3rd or 4th time I log into my account. 

Due to this increased frequency, on XX/XX/2017, I called the Capital One Executive Office at XXXX. I talked to XXXX. Essentially I told him what I described above. My purpose for calling the Capital One Executive Office, and not the regular Capital One credit card phone number, was due to my desire to speak with someone who could put an end to this - to cease these continued and continual requests for the same information that Capital One already has. Towards the end of our conversation, as I pointed out to XXXX and as XXXX acknowledged, my providing this information is voluntary. And as XXXX explained to me, I have the right not to update this information. 

Unfortunately, the phone call to the Capital One Executive Office was completely ineffective. The frequency with which I am being asked for this information has continued unabated. But as of today, XX/XX/2017, Capital One added a new twist to this. Prior to XX/XX/XXXX, when I got this screen immediately after logging into my account, I had one of two options to choose. Option # 1 was to continue ( to update my income ). Option # 2 was something to the effect of " remind me later '', or " not now '', or " go to my account ''. In other words, prior to XX/XX/2017, I could choose to ignore this screen and go directly to my account. But as of XX/XX/XXXX, only one option existed - " continue ''. So what Capital One did as of XX/XX/XXXX was to force me to go to the next page to update my income. If I did not do this, Capital One provided no other way for me to bypass this and access my account. In essence, I was denied access to my credit card account information. I have attached a PDF version of the income request screen as it appeared on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: To Whom It May Concern : I am writing to lodge a formal complaint with the CFPB against Equifax, the credit reporting agency. 

Like millions of consumers, I learned in the newspaper and on television yesterday that my social security number, date of birth, home address and other personal information may have been compromised by a data breach at Equifax that occurred between XXXX and XXXX of XXXX, but that Equifax only revealed yesterday ( XXXX XXXX, XXXX ). 

In accordance with instructions in the newspaper and on the Equifax website I went to a special webpage that Equifax set up to let consumers know if there data had been compromised as part of the hack. 

I was informed by the Equifax system that my social security number and other personal information may have been compromised. And that 's it. No other clarifying information is provided. All a consumer get 's is appointed date to sign up for some lame credit monitorings service, with a disclosure that there will be no reminders and no other information about such an important topic. There is no number to call to get other information and no other support provided. 

This is outrageous. Due to Equifax 's breach my credit history could be compromised ( literally as I type this ) and Equifax refuses to provide reasonable information or support to consumers. 

Something must be done. This company needs to be directed to do more and to be fined severely for failure to disclose the data breach and correct it for months.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (KY).
Issue: Trouble during payment process

Complaint: Buyer Refund check was issued to me, when home was purchased, it was never cashed. Was stored in box with original paperwork and just recently located. Want check reissued. Money should still be owed to me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I submitted a complaint 15 days ago received a response which i will attach the documentation to this complaint as well. Docs that were sent were vague copies to 2 bills no signed documentation and no complete accounting of debt as requested in my previous letters. 

I have not used the original creditor or services while living on XXXX XXXX in XXXX. I used a different service provider which was XXXX. I currently have XXXX service at my XXXX XXXX address in XXXX. XXXX has never stated that I had an account with them in the past that was charged off nor was I asked to provide a payment other than my monthly payments. 

Please help resolve this issue. This account does not belong to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Payday loan) with Citi Management Group, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Citi Management group has sent me a letter and called and threaten to send me to jail if I did n't pay ... .they sent me a letter of debt. but sent me a deferent person letter ... .I brought this to there attention and they resent me the same letter but just change the name 's. The account number stayed the same and the address from NC. now they are calling me from deferent number threaten me to pay this or it will be turn over to the court and I will have legal matters. And I explain to then the I would like to take care of this issue but all the information is in correct ... My last conversation the man told me he was sending a letter to my payroll department and collect from them ... and then this guy XXXX call back and told me that i was n't going scheme out of this and just hung up on me ... please help..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: On or around XXXX XXXX, XXXX I received an alert ( XXXX ) from XXXX in the form of account change. Log on to each bureau and notice it was multiple late payments appearing that was n't the prior to XXXX XXXX in which I only had XXXX 30 day late from SantanderXX/XX/XXXX. Previous I had XXXX 30 day late payments of XXXX and XXXX, which I had received XXXX 2 month deferrments XX/XX/XXXX and XX/XX/XXXX XXXX. I disputed the XXXX XXXX late and it was removed, later I disputed the XXXX late payment in XXXX of XXXX and received a late for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a result of disputed a XXXX of XXXX. I do have documents if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (ID).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my US Bank Line of credit off XX/XX/2016 and the lien was never re-conveyed from my property. I am trying to refinance my home and this US Bank lien is causing a " BIG '' issue and delaying the closing.

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 04/24/2017 about Mortgage (Conventional home mortgage) with INTERFIRST MORTGAGE COMPANY (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I request a loan rate quote from Interfirst Mortgage Co out of  XXXX , Il.  XXXX   XXXX ,   XXXX  . I received an email fr om Senior Mortgage Loan Originator,   XXXX   XXXX  that afternoon. I explained to him what I was looking for as far as 20 yrs, etc. He sent me an email with the available rates for that day.  XXXX   XXXX , I to  XXXX   XXXX   XXXX  to place application and agree to electronic signature.  XXXX   XXXX , I was contacted by  XXXX   XXXX ,  Sr. Loan Processor for Interfirst to up load documents. I provided all the information needed. The loan was submitted to underwriting  XXXX   XXXX .  XXXX   XXXX , I was told I had conditional approval on the refinace (  1 . Provide a satisfactory  XXXX  Re : inquiries in the last 120 days to evidence no additional debt. Respond to each inquiry by the creditor 's name.  1 )   XXXX ,  XXXX  ;  2  )  XXXX / XXXX ,  XXXX . Please provide signed and dated letter of explanation for each inquiry, by creditor name, and date, state results, if new accounts opened, provide current statements. ) This I provided. Also I gave a credit card # for the appraisal {$490.00} which could not be done until  XXXX . After that I was lead to believe we were closing  XXXX   XXXX . I had told  XXXX  that I had  XXXX  acres but only financed home with  XXXX  acres and that I had built a mother in law area for my Mother. This was all discussed before appraisal.   When Appraiser came I explained this to him too. But he did the appraisal on the  XXXX  acres. I received a denial because of acreage. I spoke with  XXXX  and he spoke with  XXXX   XXXX  Co and they had the appraiser redo for just the  XXXX  acres. Then I never heard from anyone about what was going on. Then  XXXX   XXXX ,  XXXX   XXXX  ( Manager Retail Operations ) I was told both  XXXX  and  XXXX  were no longer with the company. I do not know why and believe this is the major reason the loan was denied. She said denial based on acreage and no comparable in area for mother in law area. Like I said this was all upfront information. The appraiser did an amended appraisal for the  XXXX  acres  XXXX   XXXX .   I am trying for another loan and they can accept that appraisal but have to have a transfer form signed by Interfirst and they are not cooperating. I am the one who pays the appraisal and after all the mess I went through with them they should at least do that. Otherwise it is going to cost another {$590.00}. I have all of the emails and documents.

Company response to consumer: Closed with explanation