milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TN).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 non-monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was completely negligent with the data it holds on me including my SSN, full name, and address. This data was retrieved easily by hackers. Several C level executives of Equifax sold their shares long before this breach was made public. This goes to show that the breach was known about, but hidden so they could maintain millions in profits. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Other fee

Complaint: I have used the Macy 's card on my account for XX/XX/XXXX and XX/XX/XXXX to pay for some things at the Macy 's store in XXXX MA. However, today is XX/XX/XXXX and I only learned that my account was overdue 2 weeks ago when they phone called me to notify me. They have added XXXX late fees on my account already XXXX of {$39.00} and XXXX more of {$29.00} dollars without warning me ahead of time. I was expecting their mail statement but they have never sent me XXXX until I requested the person that phone called me XXXX weeks ago to do so. On XXXX XXXX I spoke with XXXX XXXX ( Manager ) at the collection department who was very rude and verbalized to me that I used their card and that I do n't want to pay now. No need to mention that I felt so offended With her statement. Nevertheless, I asked XXXX to waive the late fees since it was their fault for not mailing a statement to me before but she stated that I was supposed to call them and ask about my bill and that they have no obligation to mail me anything. I friendly verbalized to XXXX that I would not know how often they generate their statement and for that reason I would not call as it has only been 2 months and considering the fact that every company generate their statement differently. Some generates it every month, others every3 months, etc.. XXXX XXXX my argument irrelevant and stated she is not going to waive anything for 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 monetary relief
Consumer complaint received 03-10-2017 about Credit card () with DISCOVER BANK (AZ).
Issue: APR or interest rate

Complaint: I have been receiving mails from the Discover directly addressed to me with attractive introductory offers like 0 % APR for 14 months on purchases and balance transfers and it had a special invitation number for availing this offer. The expirstion date for availing this offer was mentioned as XX/XX/2017. It was also mentioned that it is a prescreened offer based on my credit report indicating that I meet certain criteria. 

On seeing all these wonderful false promises from Discover, I filed an application with Discover for a new card. And I got approved for the card but to my horror, none of the offers were applied to my account. I called the company to clarify the issue and even provided the invitation number that was in the mail. But they declined to provide me any offers and did not give me a valid reason for declining these. They only mentioned that the offers are based on credit and refused to provide further information. 

The only reason that I applied for this card was to avail the offers they had mentioned in the mail and it is very misleading. Either they should not be sending mails promising these offers or they must keep up the promise. I feel that they use these fake offers to attract customers and once they open the account, no offers are applied to the account and at this point the customer can not close the account as it would negatively impact my credit score. 
I feel that I am being tricked into applying a discover card and I now regret for having applied since the customer service is really poor. 

I would like to demand an explanation on why those letters are sent specifically to me and why I was denied these offers later. How did you get my information in the first place for sending those info and what did you mean by prescreened offers? What is the reason for making these false promises of you are not going to provide them in reality? I am sure that I am not the first victim and but I wish to be the last.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Okay so I filed a complaint with you guys about experiain not investigating properly and refusing to investigate my claim if XXXX. They opened up the investigation and are now reporting different dates once again. back to the same dates I disputed months ago XXXX is constantly reporting different dates back and forth I go with XXXX and Experian. Neither one can get there information straight and is causing great damage to my credit report. As I fight with experian and the creditor who constantly send different dates to every CRA. If experian could look through everything I sent since XXXX I been disputing this item, look through my bank statements that show I have never been late in fact I have paid early. They could clearly see XXXX is making mistakes in reporting over and over. I enclosed a resent email I sent to XXXX so that experian can see I am trying to resolve this with the creditor but am having no luck. There records are all wrong I just want experian to look at the facts look over everything I sent them since XXXX and all the mistakes XXXX has made and the many times they have updated. Look at bank records. Call my bank I will sign a release anything to get the right. The last letter I got from XXXX I enclosed and it has different dates than they are reporting. I also enclosed the consumer complaint report and it has different dates. Please I beg you to remove this I am so fed up I have sent you all I have I dont know what more to do. I also enclosed my police report for XXXX XXXX dispute. Experian also agreed to remove the XXXX credit inquiry and still has not

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 05/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: On  XXXX / XXXX / 2017 , I closed my Bank Of Ameri ca account- I tal ked to some sack of  XXXX  named  XXXX   XXXX  who refused to provide me with a written letter. I was extremely careful to change all automatic payments over to my other account and have no pending debits. Having not received a printed statement in the mail for many, many years, suddenly the usurious company, enabled by bank deregulation, has begun sending me account statements about the account I closed. The  XXXX   XXXX  did give me a sheet of paper that is labelled as my " Account Closing Summary '' and yet they suddenly are treating it as though I have an account. It 's threatening and it 's total  XXXX  and I want the  XXXX  account closed permanently. This company has stolen hundreds if not thousands of dollars from me in fees over the years and I do n't trust them to not find some reason to charge me now.  XXXX  Bank of America.

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 04/14/2016 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (AZ).
Issue: Managing the loan or lease

Complaint: I asked BMW Financial services for an extension on my lease pmt back in due to a medical emergency in XXXX to which they replied that could not be granted in a lease but the offered if i made a pmt then, they could change the date to give me time to catch up. I agreed and made the pmt and the change of date but instead of benefiting me they added another pmt. they violated the agreement and multiple managers agreed, but as of today after keeping my original agreement I do remain in a constant almost 30 day past due incurring fees.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX, I settled with XXXX XXXX on my new house. My first mortgage payment was due XXXX XXXX. My Mortgage loan was transferred to Freedom Mortgage and has been a horrible experience. My first payment was made via check and cashed/cleared my account by Freedom XXXX XXXX XXXX. I attempted to make my second payment XXXX XXXX via internet but system problems so I telephoned it in that payment and was advised there system was done. Hours later I logged into Freedom website and saw to pending mortgage payment. Immediately, I called them. I was advised the payments could not be stopped but that once they received both payments, the other erroneous payment could be refunded. After weeks of Freedom not taking, not even one payment, I started calling. After three days, I spoke with a supervisor whom advised, my XXXX payment was cancelled out by someone but could n't explain why, and he said it appeared as if my XXXX XXXX payment was being refunded to me and that I would need to remake my XXXX XXXX payment. This sounded ridiculous. By now my account was reflect I owed XXXX XXXX, XXXX XXXX and since it was getting close to XXXX XXXX. Freedom opened and investigation to look into my account. They even reported this to non-sense on my CREDIT REPORT WHICH HAS NOT BEEN CORRECTED YET AND SHOULD BE DELETED. I had to provide a copy of the cancelled check showing I made my XXXX XXXX payment because they could not locate the check and said they could not find the funds. They stated the funds should have been applied back to my bank account, FALSE. I had to provide bank statements to proof this. I sent a letter advising I would seek legal action if my account and credit report was not corrected. I am still waiting for verification this has been deleted on my credit report as I want to retain my same credit score. How can a company with a pending investigation report an unresolved matter to your credit? They currently have me owing a late fee for XXXX XXXX. I called in on the XXXX and made this payment, my payment is not considered until after XXXX. They are saying it was not received until the XXXX. I am now requesting a letter from Freedom Mortgage stating that they have deleted this from my credit. I was informed it was made current, NO this is not sufficient. It needs to be deleted. I had excellent credit with an impeccable credit score.

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 03/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Google Compare Credit Cards Inc. (CO).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Identity theft, known per local XXXX report XXXX XXXX. XXXX continue to get unauthorized charges to XXXX XXXX XXXX card for XXXX XXXX, XXXX and XXXX XXXX. I do not have these accounts. I never authorized. 

I contact XXXX XXXX and they blame me or my XXXX XXXX XXXX son. This has to stop. 

XXXX XXXX says they put fraud alert but to block I have to call the number on the back of every new card I get from them and it never happens. I tell the police and get report numbers. I have XXXX XXXX account statements. 

I do not have XXXX XXXX, XXXX or XXXX XXXX XXXX accounts. Ca n't get through to block these unauthorized charges to my XXXX card so I closed it. 

I closed the XXXX XXXX account yesterday due to their incompetence. XXXX XXXX had ID theft name and address for XXXX years without telling me until XXXX via XXXX report.

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 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (AZ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Received a cash back rewards offer fro m US Ba nk. Open a    XXXX   XXXX   XXXX   XXXX     account, spend {$4500.00} in 150 days and receive a {$500.00} credit. I applied for the cards, received and activated i t XX/XX/XXXX . The y also solicited me to get additional cards so I directed them to sen d one for my  wife which arrived several weeks later. The structure of their billing is I have  XXXX  account number, receive d one monthly b ill and that bill contained detail for the  XXXX  cards received ; each card had a separate number which was different from the master account number. My first  five statements, which would cover the promotional period, showed a total of {$5000.00} spent.    When I inquired as to my credit I was told I did not qualify because the billing was on  XXXX  cards and a   XXXX   card needed to have {$4500.00} in billing (  XXXX  card had approx {$4100. 00} ).   <P/> Reviewing the offer, under a " ** '' small print section at the bottom it says : " {$500.00} cash back will be credited to your Account if you are approved ... .. and after eligible net purchases totaling {$4500.00} or more are made to your Account within the first 150 days of Account opening. '' At the very bottom of the paragraph it adds " Spend on multiple car ds may not b e combined to meet the requirement '' which is their basis on denying my credit.  <P/> I feel this last line is both not clearly obvious to the consumer and subject to interpretation. It does n't say multiple cards on  XXXX  account ; could be referring to multiple accounts for example where the first section clearly states the reward is based on spending on the Account.  One b ill,  XXXX  Account, and clearly more than the required amount was spent.   I 've spoken to their Customer service dept twice, the last time  on XX/XX/XXXX   with a Supervisor named  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 01/27/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: after disputing the tax lien from my file the bueraus keep deleting it and putting it back on without ANY type of noticfication or validation, i have sent in all of my identity theift police reports and i have asked them to block this from my file

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Bank account or service (Checking account) with UMPQUA HOLDINGS CORPORATION (WA).
Issue: Making/receiving payments, sending money

Complaint: Umpqua Bank shut off the debit card that belonged to the joint on my account for no reason. The local branch said it was because he had n't used it in 6 months. This account is over 20 years old and has thousands of dollars in it, has never been anything other than in good standing. This account started with Sterling Savings at least 20 years ago when I worked their, they never did anything like this. Typically joints are on the account for the just in case and I had such a case come up and that is when he found out his card was no longer good. Luckily, the joint was not traveling because they would have just left him stranded. I did not get any notice of this, the disclosure does say that they can take a card for no reason, but I have been in the banking industry for years and this is done for account abuse. If this process continues the joint will need a card every 6 months, so really they are n't thinking to clear as the cost of the cards do add up. 
You do n't have a correct issue on the bottom that best describes my issue. 
Thank you! 
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 07-09-2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: This is regarding the transition of the XXXX XXXX XXXX card to the Citi Costco product. 

1 ) Upon activating my card, I found out I am past due though no statement was sent to me. Hard for me to pay a bill that I never received nor have an address to send a payment too. 

2 ) A few days later, I got 3 calls from their collections department during working hours on my cell phone. The first two times, I was busy do did n't pick up and there was no message. The third time I did pick up and had a very unhelpful conversation with CS associate. He did alert me that I was accruing finance charges until I pay. At this point, I still have n't received the paper statement, getting multiple calls from Citi harassing me for a payment and told I was still getting finance charges because I 'm late ( though no late fee ). Had to call and fight all of this.

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 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I attempted to dispute this with the credit bureau, Transunion. However, their website continues to prevent me for submitting a dispute. I was logged into my account. It has stated that for 2 days. 

I submitted loan discharge paperwork to XXXX. The debt with XXXX qualifies to be deleted and discharged due to the qualifying event provided in the paperwork. The department of education advised me to file this paperwork based on the qualifying event. This tradeline needs to be deleted.

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 11-09-2016 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Homebridge financial Corp. is my mortgage and escrow company. They failed to pay my 2015 taxes on time. This resulted in a derogatory public record on my credit report. I paid Homebridge Financial on time for the entire year.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Bank account or service (Other bank product/service) with BARCLAYS BANK DELAWARE (FL).
Issue: Account opening, closing, or management

Complaint: I had a XXXX Card with Barclay Bank, then encourage you to transfer funds from higher interest Credit Cards to the XXXX account, they will then cut your credit limit without informing you to make it look to the CRA 's like you are over using your credit. This has happened to me twice, on the second occasion I closed all accounts with Barclay.

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 12-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XXXX/XXXX/XXXX, I completed a request for a deferment online, and submitted my paperwork that was not processed. I assumed it was as I never heard back from them. I have another student loan through XXXX that I completed and was approved for one year. Wednesday XXXX/XXXX/XXXX, I submitted an application to consolidate my with XXXX XXXX XXXX to XXXX. Friday, XXXX XXXX updated my credit score and reported me as being 90+ days late. I feel that my application was overlooked ( thankfully I saved it ) and that reporting my loan as being in default and I 've NEVER received a phone call from these people was done out of spite for consolidating and closing my account with them. My credit score dropped 56 points. I have worked HARD to maintain a good credit score and now this. After receiving alerts that my credig score dropped significantly, I did submit ANOTHER request for a deferment. Hopefully, this one goes through and they can back date it and correct/update my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Mortgage (Other mortgage) with PNC Bank N.A. (AR).
Issue: Loan modification,collection,foreclosure

Complaint: We lived in our home for 19 years. As everyone knows, the economy crashed and I lost my job/ business that I had owned for over 20 years. We could n't afford our home anymore and so we moved out. We tried renting it, selling it, we tried everything. Our lender -PNC Mortgage- suggested that we do a " deed in lieu of foreclosure " which we completed in XXXX of 2015. 
Each month since then we get a late notice collection letter that each month has new late charges, interest and fees on this loan that we do n't have anymore. We do n't own the home now. 
They are continually reminding us and hounding us with these notices. I call them each time and they tell me every time that our deed in lieu is complete and that my loan is in maintenance and to disregard the notices. But I keep getting them and this is a very emotional, hurtful harassing thing they keep doing, reminding us every month that we lost our home. We are starting over and trying to forget and get past this terrible time.

Company response to consumer: Closed with explanation