milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2016 about Prepaid card (Other special purpose card) with CITIBANK, N.A. (SC).
Issue: Fraud or scam

Complaint: I was issued a promotional {$50.00} prepaid card from Citi Bank. It was not clear to me that on the " good through '' date on the card the funds would " disappear. '' The card clearly says DEBIT on it, and I thought it would be treated like my bank debit card. My understanding is that I would have to obtain a new card. I spoke with XXXX different people at CitiBank Prepaid Card Services. They all had the same response, " Sorry ca n't do anything about it. '' They said I could n't speak with any further supervisors to explain my issue. The last person I spoke with was XXXX ( employee # XXXX ). When I asked for the address of their corporate office, she gave me the wrong address ( I checked online ). I saved this card to spend on something special. {$50.00} is a lot of money to lose ; if they do this to XXXX people, they just netted themselves a fast {$5000.00}! I want this resolved by receipt of either a check or new card.

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 10/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: APR or interest rate

Complaint: Capital One raised the rate on my card with a penalty APR based on XXXX late payments within 1 year.They however showed the late payment posted on the XXXX 2015 statement as activity that took place during that month. Payment made XXXX XXXX, 2015 with the intention of payment for the following month arrived early and was posted to the prior month. Attempts to discuss this resulted in repeatedly being placed on hold for extremely long periods of time while they supposedly researched the payment activity of the accountand when disconnected they did not attempt to continue the call or investigate the matter. It should be noted that attempting to pay on the Capitol One website on the due date in XXXX 2015 would not have allowed the payment to be posted any sooner than payment via my bank bill pay service, which would have made the payment late in any event. 
I will be closing the account with a full payoff by the end of this week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My wife and I co-signed on a home loan for our daughter in   XX/XX/XXXX . T he loan was through  XXXX   XXXX . In   XX/XX/XXXX  our  daughter having had medical problems neglected to inform us that she was behind in her payments. We immediately resolved the issue bringing the account up to date. Since the account was 60 days past due  XXXX   XXXX  reported this to the majo r Credit rep orting agencies resulting in our credit score falling from the  XXXX    XXXX   to the  XXXX   XXXX . We had never been informed by  XXXX   XXXX  that the account was overdue. We called the  XXXX   XXXX   XXXX  departme nt (   XXXX   XXXX   XXXX   ) a nd were informed that they are not required to notify the co-signers of past due payments. If that is the case ( and law ), then why should they be able to report this to the credit reporting agencies affecting our credit?.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Va  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax cc cfpb Good morning Equifax and The cfpb I want to first start off and express My feeling and Point of View about the Reporting agency. I have asked Equifax since XXXX 2016 of this year.. via certifed mail and which I have in many disputes via the cfpb website. You have yet to comply with any of my request. Equifax I 'm fully aware that you are not for the consumer at all. I mean The banks pay you people to report consumer 's information. But there are federal laws In place to protect people Like me.. But After carefully reviewing my credit report I noticed Equifax said that THEY Have investigated the barlcaycard account in almost every dispute. what i want to ask equifax how could you have verified the account was mine because on your credit reported the account number is not even MINE I placed a called to XXXX XXXX and they confirmed that there is no account in my name MATCHING THAT ACCOUNT NUMBER Equifax this is so iMportant as to why the governement allow consumer 's to have the right to asked for the original sign document because of this type stuff. god forbid if i had to buy a automobile or house and got a higher rate because of your reporting of negitive info. i also called your company yesterday and ask the rep at equifax to verify the account that you are reporting and she confimed the account number FOR WHICH YOU ARE REPORTING. so i asked you if you could please stop lying to me and the cfpb that you have verify the account and I know you have n't if you did you would have found out that this account is not mine ... I asked you to please remove the XXXX account ALONG WITH THE CLOSED XXXX AND THE CLOSED ONEMAIN ACCOUNT punto from my credit file. and yes XXXX is A S A P IN LAYMAN TERMS.. You should be ashmed of yourself for doing hard working people like this. I KNOW YOU DO NOT HAVE THE ORGINAL DOCUMENTS THAT I BEEN ASKING FOR SINCE XXXX 2016. IF YOU DID YOU WOULD HAVE SENT THEM TO ME BY NOW. AND YOU ARE WAY OVER YOUR 30 DAYS THAT THE FEDERAL GOVERNMENT ALL YOU TO INVESTIGATE DISPUTE. PLEASE REMOVE THE ACCOUNTS THAT I HAVE ASKED YOU TO DO SINCE XX/XX/XXXX. I WILL NOT EXPECT ANYTHING FROM THE ORGINAL CREDITOR ON YOUR BEHALF ...

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (DE).
Issue: Managing the loan or lease

Complaint: Today, XXXX I received an automatic dialer call from Sandanter asking to speak to XXXX XXXX I did n't catch the last name XXXX to my cell phone XXXX. I proceeded to advise the agent that I believe they may have a system error and that while myself and my husband XXXX XXXX XXXX do have a car loan account with them ( that was past due but on Friday XXXX I made arrangements to bring current ) our number was not for XXXX. She stated she was sorry and that the system just dials the numbers and that they called me for a XXXX and she would place a do not call on my number. I told her she could n't due that as I do have an account with them and would need them to call me regarding my account and that in fact I answered the call today thinking it was the agent I spoke with on Friday to confirm my payment arrangement. I advised her I am concerned because of my privacy and violations of calling my cell phone more then what is allowed by the FTC laws. I advised they had contacted me for the last few months more than XXXX times a day on my telephone number and my spouses cell phone number. His number is XXXX. She offered to transfer me to a supervisor because she was unsure what to do since she could n't add a XXXX final to my telephone number since I did have an account. The manager came on the line and advised me she would remove my telephone number from XXXX 's account. She located me and my husbands account and apologized for the error. I explained that they could be in violation and she advised they were aware of a system error within their dialer that crossed numbers last week but it was corrected. I advised it was not corrected as she just called my cell phone and asked for XXXX. I explained taht this does not seem right and I requested answers. When I explained if they were in fact in violation by calling people with there dialer and having numbers crossed that they could be fined up to {$1500.00} per call she assured me that it was corrected and they did n't call me more then the allowed times. I advised I was filing a CFPB complaint as they should be required to complete a call audit and provide logs on the calls they made to me and my husband to assure they were in compliance. Additionally, if there was a system error, how many other people were affected. If there is violation I feel they need to credit my account {$1500.00} per call they violated. Please advise me of your findings and get to the bottom of their dialer issues.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: {$440.00} in various amounts were fraudulently purchased by someone who managed to get a hold of either my card number or my old discarded/destroyed card and somehow was able to use it. I disputed the charge on XXXX XXXX. Barclaycard apparently did an 'investigation ' where they determined I was the one who performed those fraudulent transactions, including a purchase a motel at which I have never stepped foot and several suspicious large purchases at convenience stores.
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A side note, I received a call from Barclaycard investigators which seemed highly suspect and unprofessional, and I was concerned enough to do research into the phone number to see if it was even legitimate which it apparently was ( the person on the phone calling me did not know specifics about the case ). I proceeded to close the account upon receiving this verdict.

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 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am disputing the following account with each Credit bureau after finding accounts that were reporting on my credit that I never gave any consent to me opened and address that I never lived at need to be removed I was informed to file a FTC with them and provide this documentation to all credit reporting companies. 


XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX La XXXX the following addresses are not my address please remove them I have provided a copy of my Identification card showing my correct address along with the FTC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This following accounts are being disputed as Fraud accounts I never consent to any of the following companies to open accounts in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I can not afford a lawyer, but I have tried to fix my credit in every way possible. XXXX, Transunion, and XXXX REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.

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. (WI).
Issue: Problem with fraud alerts or security freezes

Complaint: It seems unfair that I need to pay to freeze my credit and protect myself when I should be able to trust the big bureaus with my information ( leaked SSN in Equifax breach ). Frustrated to say the least. This seems like something that should be changed in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this account was created out of id theft but yet is continueing to report on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I  XXXX   XXXX  deposited  XXXX  checks  XXXX  for {$1800.00} &  XXXX  for {$1000.00} on  XXXX   XXXX   2017 , Both local checks same town,  XXXX  from my wife and  XXXX  from a friend, On  XXXX   XXXX   2017  both checks cleared there accounts and I am still being told by  Citizens  Bank that there not releasing the funds till  XXXX   XXXX  because there is a hold on them even after citizens has the money.   XXXX  Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several unauthorized inquiries on my credit report. I am a victim of identity theft, and I have been in the past. I did n't give any consent to open any new inquiries. Immediately remove these inquiries off of my credit file within 5 days please. I have took the necessay step sending you several certified letters through the mail and I have n't gotten a response from any companies in a total of 90 days. No account or inquiry can be verified without any documents. According to the FCRA, by law unverifiable signatures or unverifiable documents ca n't be verified verbally. 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 1.  XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX *

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Account opening, closing, or management

Complaint: This letter is to follow up on our recent contact with you earlier this month. As we explained, we have been the victims of identity theft. It recently came to our attention that our names, home and business addresses, dates of birth and social security numbers have been used to open savings and checking accounts and to obtain pre-paid debit cards. 

Specifically, in 2016 our personal information was used to open a checking account at Capital One 360. Of note, this occurred without Capital One performing a credit check with any of the XXXX credit reporting agencies, and fraudulent email addresses and phone numbers were provided and not checked for validity. We believe these are egregious practices. We have spoken with Capital One, who has reportedly closed the account. 

We are informing you of this so that any further activity using our names and numbers without our knowledge or consent should be considered part of that identity breach. Further, we have requested that our financial institutions inform us of any activity using our names and other identifying information prior to completing any fund transfers, opening new accounts or any other financial activities. 

We are reaching out to you with this letter on advice of our legal counsel and the Oregon Attorney General 's office, and as one of several law enforcement-recommended actions. We have already notified the XXXX credit reporting agencies and our other financial institutions. We have filed official reports with our local law enforcement agencies and the Federal Trade Commission. 

Our goal is to be proactive in protecting ourselves, as well as to assist our financial institutions, law enforcement and legislators to address an apparent gap in this vulnerable system that needs immediate repair. We would like you to work with us to help stop this fraudulent activity. For instance, we believe that all banking institutions should be required to perform and document a formal credit check, as a matter of legal record, in order to open a new account of any kind and to double check the validity of email and phone information provided. 

The Oregon Attorney General 's office has advised us to be in constant contact with our financial institutions as we do our part to monitor this situation closely. Needless to say, the more cooperation there is between stakeholders, the more likely criminal behavior such as this can be dealt with effectively toward a just resolution. We have requested that our accounts have a notation documenting this identity breach. We have changed our passwords, added an additional security " code word '' and initiated Voice Print identification to our accounts. 

Any further suggestions for additional actions we can take toward protecting ourselves would be appreciated. 

Thank you so much for your good work.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Attached with is complaint is correspondence from me to Equifax  Complaint Department. Letter has been sent to dispute credit inquiries that I did not authorize, Letter was sent to verify collection accounts listed on credit report and if unable to verify, please delete. No response has been made regarding either letter that Equifax has received. Also, in attachments is a letter from   XXXX   XXXX   which I personally disputed, to which   XXXX   XXXX   sent myself a letter stating a decision was made to discontinue collection efforts being that the account was not verified nor belong to me. Same letter correspondence with collection company  XXXX  to which they also have ceased collection activities. The discrepancies listed on my credit report is making it very hard to obtain credit especially being that the entries described above were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (Conventional fixed mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I contracted with HomeBridge Financial Services in XXXX for 30 year mortgage. 
I was very happy with my loan with them ... in XXXX of XXXX, they sold my loan to XXXX Mortgage. I received a letter from XXXX that stated I need to get flood insurance. I have been fighting this for weeks trying to resolve the issue. my my loan included a flood certificate dated XXXX which was totally valid but XXXX would n't accept it. my loan should NOT have been sold if they would n't accept the document. now I have spent XXXX already to obtain a document from from FEMA ( pending ) and faced with having XXXX automatically add flood insurance to my monthly payment. which I cant afford right now. I am so unhappy that all of this has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am the trustee of my parents estate, my parents had a reverse mortgage with Champion Mortgage. They had a credit line mortgage with no monthly payouts and still maintain XXXX dollars in equity in the home. I contacted Champion Mortgage, in XXXX of 2015, informing them of my mothers death and was told I needed to send a letter of intent and a copy of the death certificate. I sent XXXX by fax, my letter of intent stated I wished to refinance the loan. I hired an attorney who started the legal process of having me put on title. I also faxed a copy of the trust which I had to do several times as Champion stated that not all pages were received. I know this to be false as I had XXXX person there count the pages to me. My attorney had a court date in XXXX of 2015 of which I informed Champion and my attorney sent legal papers to to them. The court date was put off till XXXX XXXX 2015 of which we also informed Champion. I and my attorney received letters of default as of XXXX XXXX 2015. I contacted Champion and was told that the reason I had gone into default was that my trust was incomplete and was misssing page XXXX. I contacted my attorney and she also contacted Champion, and also was informed that page XXXX was missing.My attorney faxed a copy of the trust to their document department, and was told to have me check back in a couple of days. I checked back and they stated that they had not received the trust and the reason for default was that I had not secured funding for the refinance. I told Champion that I had contacted several mortgage companies, and was told that since I was not on title they could not help and to call back. I contacted a mortgage broker and explained my situation and my wife and I met with her. My mortgage broker explained to us that with a foreclosure listed on the property we will be unable to secure financing. I believe that Champion is trying to take advantage of this situation, I have kept them informed of the process and have been working the goal of refinancing the home. Champion new of my court date in XXXX and still filed the foreclosure knowing I would be unable to refinance. I have stated that Champion is still charging a monthly mortgage on the home and also list many fees which I do not understand what they are for. They have fees for inspections and mortgage insurance that I do not believe should be added on. My mortgage broker had me request a payoff, original copy of the note, and list of all disbursements. I contacted Champion and was told to submit in writing via fax, we have not yet received the information.. I have received tons of mail from their attorneys in Texas with the huge postal charge which I assume with added on to the mortgage. 
I have kept Champion Mortgage informed of the process and have followed their instructions all along the way. I can only assume the roadblocks they put up are so they can foreclose on the house.

Company response to consumer: Closed with explanation