milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2017 about Credit card () with U.S. BANCORP (TX).
Issue: Advertising and marketing

Complaint: Took out XXXX visa card for airline points on trips to XXXX XXXX issued by US Bank and points were from XXXX but they have since merged with XXXX XXXX .Folks I talked to with the bank never heard of XXXX XXXX I had been saving my points for the last 3 years and had accumulated over XXXX with the requirement ( from their website ) of only XXXX for XXXX ticket. I then tried to get into their website furnishing my info of passport and personal info to no avail then was given a surefire password that still did not let me into the website as usual, this is the most mismanaged company I have ever seen. We can do some of these things for you but you must pay a fee. Could never talk to anyone who could schedule my trip or get me onto the website where I could schedule it. When I asked who gave the 25 % discount given on first trip useage, no one seemed to know and it is plainly stated in the bank 's advertising. 
What I want is a plane ticket from XXXX ( round trip ) to XXXX XXXX based on the kilometers I had prior to XXXX XXXX, 2017 as I had earned it under the US Bank XXXX visa card. I will not do business with this bank again!!!!! My Bank account # is listed as XXXX XXXX XXXX and XXXX XXXX XXXX with a XXXX number of 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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 'm a victim of identity theft and been a victim of identity theft for 11 years. I have fraudulent and unauthorized hard inquiries listed on my Trans Union, XXXX and XXXX credit report. The following hard inquiries are fraudulent and unauthorized : 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/XXXX/XXXX & XXXX/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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Checkr, Inc (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: To Whom It May Concern, Checkr is a company that XXXX uses to do back round checks on all applicants. 
I had applied with XXXX 3 to 4 times in the last 1 and a half. Same response " no '' due to " Identity Theft ''. I in no way have been accused nor have been a victim. I 've tried and tried to resolve however, not enough information is given from checkr. Please assist in this matter. Its causing hiring issues. 
Sincerely XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Mortgage (FHA mortgage) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have had my mortgage with NavyFederal Credit Union for over 2 and a half years. The house I have a mortgage on is currently being rented because I live in another state. My tenant tends to pay after the XXXX of every month so because his payment is delayed, so is my payment to NFCU. It is quite aggravating that I am not able to make a payment on NFCU 's website if it is after the XXXX. I have to call-in every month that my tenant is late ; go through a whole list of repeat questions on why I 'm late and have to endure some person scolding me because it 's after the XXXX. I always consistently pay my mortgage within the same month so why do I have to go through the XXXX degree of getting lectured about paying my loan if I 'm still in the grace period? Also, why ca n't I just make my payment online if it 's still within the same month that the mortgage payment is due? There has to be some type of law against this. Previous to NFCU, I had my mortgage serviced with XXXX and they would encourage that you went online. It 's a complete waste of my time to have to wait on hold, answer a bunch of silly questions and then deal with the attitude of the person on the other line about why I 'm late. Especially when it 's only the XXXX of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (I do not know) with Credit Corp Solutions Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: filed complaint XX/XX/XXXX # XXXX that this is debt is not mine.received letter dated XX/XX/XXXX offering discount settlement.never shopped at store listed. ss # listed on debt is not mine

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On XX/XX/XXXX 4 fraudulent checks were deposited to 2 of mine and my sons account,. On XX/XX/XXXX I went to the bank and spoke with XXXX about them, he suggested that the 2 accounts be restricted and because my social security just went into account he suggested to open a new account and to use the current debit card. He also said my sons account should not be affected. XX/XX/XXXX I  went to the bank to make deposit to pay my bills and found out all accounts had restrictions and I was being charged several fees. I spoke with XXXX and he called home office and spoke with XXXX and she told me I could no longer be one of their customers, I said ok, but if they were closing all accounts I wanted my money and she said no and XXXX said he could not do anything. Today XX/XX/XXXX my son and myself went to chase to officially close accounts and get our remaining money out, which for my son is {$640.00} and mine is {$800.00} they told us no that it would be mailed to us in about 10 days. Not exceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (HI).
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: This correspondence is in response to my request for a courtesy/good-will credit retraction and the response I received on XXXX XXXX, XXXX. In the letter I was told that such late payments on credit reports could not be removed due to regulations promulgated by the FCRA. Contrary to these assertions, by failing to update previously reported information, FedLoan Servicing Credit is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Here is a link to the FTC advisory opinion I am referring to in the rest of this letter. https :  XXXX The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 
FedLoan Servicing Credit representatives told me that because the delinquent payments were accurately reported in XXXX and XXXX of XXXX and that FedLoan Servicing Credit will not update this information. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Several months ago, I was contacted by XXXX XXXX XXXX in XXXX XXXX CA about a debt they said I owed to PayPal. I filed a complaint with the FTC and thought this nonsense was over. The debt collector stated that the address for the debtor was for a XXXX XXXX in Texas. I have never lived in Texas and never had a PayPal account. This morning the same person who harassed me before called my XXXX year old mother in Michigan looking for me. I do n't know how he obtained her phone number. My mother called me in a panic and told me about the call. I called the company and the person who answered was XXXX XXXX. 
He did not sound like a XXXX XXXX since he did not speak English very well. I had filed a complaint with you before so I would like this harassment to stop. I do not owe this money since I never lived in Texas and never had a PayPal account. This also happened to my sister a few years ago with a fake PayPal account. She had to give them a list of addresses she lived in but the harassment finally stopped. 
I also want to know how they even got my mother 's phone number since she lives in Michigan and I live in California. I do not even have the same last name is her since she remarried in 1990s. 

Thank you for your assistance.

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 12-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XX/XX/XXXX ... Transaction made to my account ... {$1300.00} XX/XX/XXXX ... Transaction made to my account ... {$130.00} XX/XX/XXXX ... Transaction made to my account ... {$470.00} These were not authorized by me ... explained to several Chase representatives multiple times of concerns that my account has been compromised..For days I was shifted around from one Rep to another ... different Titles..all passing responsibility concerning this matter to someone else ... I 've been put on hold for more than 30 minutes at a time only to be hung up on ... My account was abruptly closed ... this indicated to me that they found something, but, did not share with me ... many days later they returned what was left of my money ... which was substantially less than my estimation, making me aware that other illegal transactions were made to my account ... I received absolutely 0 assistance getting to the bottom of this matter from Chase no matter how persistent I became ... I trusted Chase with the funds in my account and they chose to discard me when I rightfully asked for help ... Devastating ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Trouble during payment process

Complaint: I had decided to cancel my homeowners insurance with one company, and go with another company 2 months prior to the end date of the policy. I had gone to a local branch to inform of the change, and make sure the company that I was leaving would not be paid and the new one would be paid for the upcoming year renewal. The representative took down all the information, and stated that she would make sure the now old insurance company would n't be paid, and would only release a payment to the new insurance company. I received a notice this week to inform that both insurance companies have been paid in a total amount over {$2400.00}. After paying two different insurance company Bank of America ran an out-of-cycle escrow analysis report knowing that two insurance companies had been paid ; which will cause my mortgage payment to increase effective XX/XX/XXXX, 2018 close to {$200.00}. I have contacted the branch representative who stated that she had forgot to get the information over to the mortgage company, and it was my responsibility to contact the insurance company to get the refund back on a cancelled policy. I was informed by the insurance company that a refund could take up to 7 weeks. In the meantime, the mortgage company knowing that an error was made on there end will not remove the escrow analysis which will cause the mortgage payment to increase.

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 06/28/2016 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problems when you are unable to pay

Complaint: The bank force me into a charge off but then we were approved for the Service Relief Act and it was cleared up in 2011. Now they are reporting this as a charge-off loan as of this year.

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 07-05-2016 about Consumer Loan (Vehicle loan) with DriveTime (TN).
Issue: Taking out the loan or lease

Complaint: My daughter wanted to purchase her first car on her own, but even though her credit score qualified, she did not have sufficient income, so I had to co-sign with her in order for her to purchase a car through DriveTime. The information presented during the financing of the vehicle was extremely misleading, because nowhere does it spell out that XXXX-XXXX % of your payments will ALWAYS go to interest, which means you will ALWAYS be upside down on your car loan. Our intention at the time of purchase was to get the car, pay on it for 12 months until she could qualify to finance on her own and then refinance it to remove my name. That will never happen because of the way that they setup the payments and interest. This should be not allowed. These people take major advantage of folks and then leave them hanging with no way out. Additionally, they consider you " delinquent '' on your payment if you are one day late, and no matter who you talk to and notify them of when you will be making the next payment, they call continuously and pretend they have no notes about your payment. Surely something can be done about these people!!!! This is ridiculous. Now my daughter qualifies for a loan on a brand new vehicle with more than one bank, but because of how the loan is structured with DriveTime there is no way for her to trade it in or refinance it. Her only way out is to let the car go back to DriveTime which would immediately ruin her credit that we have worked so hard to establish. These people are crooks!!!!

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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried for several years to access my Equifax credit report from XXXX XXXX and I can not pass ore screen
questions. 1. I dont have mortgage 2.dont have auto loan 3.dont know amount of said auto loan 4.no bank account with those shown.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Payday loan, title loan, or personal loan (Payday loan) with Midwest Recovery Systems (MI).
Issue: Loan payment wasn't credited to your account

Complaint: This loan was paid in full in 2013. We have numerous Companies attempting to collect the same debt. The calls are endless, harrassing, threatening and unacceptable. They are claiming to be collecting for XXXX XXXX XXXXThey are calling Family members of mine. Stop breaching my right to financial privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Some is using my indenty, and I never applied for most account on my credit report, and went to business have them removed!

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: Brandsource which is a city bank card. I went to pay off the account.Told them funds was move to my checking account from the sayings account. They show acct paid when spoke to them on XXXX/XXXX/16. Told a rep payment wo n't go though once they put show the balance I would call in a pay it off. Citi bank has hit my savings account 4 times now. Even with me calling them again on XXXX/XXXX/16, XXXX & XXXX/XXXX/16. It is costing me fees. I was told by them they will hit the account as many times as my credit union allows. Since account still show a XXXX balance I have asked for a paid in full letter they would send on and they have n't. I want them to stop hitting my savings account and pay me back the {$75.00} dollars they have cost me in fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several unauthorized credit inquiries from Ally Financial from the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize inquiries on any of those dates.

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 12/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting 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 10/16/2017 about Debt collection (Auto debt) with Resurgent Capital Services L.P. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: LVNV FUNDING LLC HAS VIOLATED ALL MY RIGHTS. THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. This is not my debt or it is a fraudulent account and it is not my account. 

After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge. 

Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all 4 request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Medical) with Penn Credit Corporation (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Penn Credit contacted my family member and disclosed all information regarding my debt, without proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have contacted the reporting which is XXXX XXXX numerous times going back as far as XXXX/XXXX/15 regarding a hard inquiry on all XXXX credit reports.They stated that it was a soft inquiry which turned out to be false. I talked to XXXX XXXX XXXX XXXX/XXXX/15 XXXX again and talk to a rep named XXXX -id # XXXX. I gave her all information stating it was reported incorrectly and had copies to show that. she then stated that she would have XXXX XXXX removed all hard inquiries. I received updated credit reports and it still was not corrected. i tried calling 4 times after that and XXXX XXXX refused to acknowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have disputed an authorized inquiry for the last 90 days, an inquiry that I did not authorize. No response back from credit bureau and it is still on my report.

Company response to consumer: Closed with explanation