milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/16/2017 about Credit card () with U.S. BANCORP (MO).
Issue: Privacy

Complaint: I received an email from US Bank stating that I was past due on my credit card. I have always paid my balance off in full every month. I called on it, and US Bank somehow changed my address on my account. They were sending my statements to an old address ( XXXX, XXXX, MO ). Then, they hit my card with late fees and interest, and they said the address could only be changed by us calling or the post office. I NEVER authorized my address to be changed. Then, they have hit my card again with a late fee and more interest charges as we have been trying to resolve the problem. Now, my privacy has been disclosed and my card # has been given to whoever lives at XXXX, XXXX, MO. I called them again tonight to see what is going on, and now they have reported it as a late payment on my credit bureau. I have perfect credit, and now it is going to take forever to get this situation resolved. I asked for a letter from US Bank stating this was their error and that I wanted it to be taken off of my credit. But, the manager ( XXXX ) stated that I would have to write a letter to their dispute department even though it was their fault my private information was being sent to an old address. Then, I asked how do I file a complaint with the CFPB, and they did n't know. 
Anyway, I just want this cleared up where it does n't show on my credit history as a late payment and a letter from US Bank stating this was their error.

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 09/22/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Applied to Citimortgage for loan modification on an existing mortgage. Filled out all necessary paperwork and provided all information as requested. 
I was first told that all the documents I sent were " lost '' - even though they previously confirmed in an email that they had received them and they were being reviewed! 
Did not hear back for weeks and was finally sent an email stating that " because of recent personnel changes, we 've assigned you a different homeowner support specialist. This transition will be seamless and will not cause any delays to the processing of your mortgage assistance application. " This has happened XXXX times and each time I receive the notice that I 've been assigned a " different homeowner support specialist '', by the time I hear back from my new " homeowner support specialist '', I am told that all or some of the information they have requested ( that I provided ) has to be resent due to the fact that it 's out of date. 
I spoke to each specialist and voiced my concern about this stonewalling tactic but the matter has not been resolved and I continue to get applications for assistance sent via XXXX. 
The bank has no intention of providing a loan modification and has no acted in good faith. 
And based on other similar complaints that I have read online, this is an intentional practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Prepaid card (Mobile wallet) with PAYPAL HOLDINGS INC. (AZ).
Issue: Adding money

Complaint: I sent money for my paypal debit card to PayPal credit because the information on the website said to do so. I was told they had to wait for money to clear and send back to me or they wiod send original money order back to me. The money order was for {$400.00} and was issued XXXX/XXXX/2015. It is XXXX/XXXX/2015 and I have called over 3 times and talked to 8 managers who all lie about the money being sent back to me with no tracking and I get XXXX fifferent story about the whereabouts of my money every time I call. They will not give me my money and keep telling me either they are researching it if reaching out about it. No one returns my calls. They wo n't send my money and I get a different lie every time I call. PayPal credit managers claims they have no supervisor and they are the end of the line and I have to be patient while they research .... What are they researching? Nothing! They we not overnight a check for my {$400.00} and claim they did with no tracking then they claim XXXX they resent it twice-all lies! How can these people just keep {$400.00} and not return my money? I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is an account listed from XXXX XXXX XXXX which has an inaccurate late payment remark, all my accounts have always been paid as agreed. Please correct this issue ASAP and see attached

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 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are XXXX account that are listed on my credit reports that are mines. I 've tried to have them remove from my credit repot several times no such luck. I contacted each company fraud department they stated that the send over the fraud information to each credit bureau. This has been going for a while. The company has stated the account are close for nonpayment to the XXXX accounts. 


Verily respectfully

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 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In regards to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I filed for a late payment verification over the phone and thru certified mail. Both times came back as verified accurate. When I made on time payments and never missed but XXXX XXXX XXXX continues to report inaccurately, I 've asked them to show me proof and validate there late payment claim, when I paid on time and there 's no records. When I have asked to see - they have never shown me. I 'm so upset that I know no other remedy but to file a complaint about this situation, apparently they had a system glitch around that time or human error was made on there part and they will not remove the late payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I have a merchant credit card with XXXX and Comenity Bank. I signed up for this maybe a year and a half or two years ago. Since then XXXX stopped services with the company. I was told by the local store manager it was because the company they used ( Comenity Bank ) was not treating the customers right and it was adversely affecting business. fast forward to the last 6 months and I begin noticing a trend with how my payments are being processed. I will make said payment and it will not come out for many ( upwards of 6 days ) days if at all. I have money in my account when " the payment fails '' so why is n't it going through? I investigate with Comenity first and they said it was due to lack of funds. I know they are lying obviously so I call my banking institution ( XXXX XXXX XXXX XXXX ). What they told me pretty much takes the cake. XXXX has no history of a payment inquiry coming in from Comenity at all. It is at this point that I realize Comenity bank is manufacturing reasons to jack up my interest rate and charge me extremely high late fee 's. Now they have three different collection agencies calling me at all hours of the day and night harassing me and have reported against me on my credit report. This is very unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Credit card protection / Debt protection

Complaint: XXXX transactions made on XX/XX/XXXX, and XX/XX/XXXX, to XXXX XXXX XXXX for the amount of {$1400.00} and {$160.00}. Disputed on XX/XX/XXXX. Received a permanent credit from Chase Card Services. Merchant later on filed in claim at small claim court against me. Would like to have an official response from JP Morgan Chase that : ( 1 ) Is the dispute decided in my favor or in merchant 's favor, ( 2 ) was the permanent credit issued because it was resolved in my favor, and ( 3 ) why decided in my favor. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I obtained a loan through SunTrust Loan Servicer in XX/XX/XXXX and the account was on Auto draft ever since for full monthly payment ever month. Never late. 
In XX/XX/XXXX as a result of my divorce I asked for a loan modification that was approved in XX/XX/XXXX. 
SunTrust on its own reversed the XXXX payment that was auto drafted a week earlier. I called and argued against reversal with SunTrust 's XXXX XXXX and XXXX XXXX. However, they persistently claimed that for the loan modification to be approved, it needs to show that XXXX payment is not n the record and that it will not effect my credit reports. 

The trial version of loan Mod was successfully completed by XX/XX/XXXX and SunTrust sent a full and permanent loan modification agreement with XXXX mistakes. On XX/XX/XXXX, in the presence of its banking branch VP, I immediately called XXXX XXXX and XXXX BOTH. and persistently told not to make any changes on the agreement - since any hand writing besides signature and notary would void the document. The rep, told me that a corrected set will be sent within 7-10 business days. However even when I contacted XXXX XXXX on XX/XX/XXXX, she stated that " the agreement has not gone out yet, but it should ... ''. I questioned her about " 7-10 bus. days '' rule, she stated, " the 10 days is not over yet '', I counted the business days for her and she still stated, '' we still have time ... '' The telephone call was recorded. 
In the meantime, I pulled my credit from all XXXX agencies. All reports showed a 30 and a 60 days late with no other notations ( recorded calls again ). This is a serious contradiction to what XXXX, XXXX and XXXX XXXX stated. 
I disputed it with credit agencies and called XXXX XXXX XXXX. XXXX XXXX now changed her statement, now claiming that we do report late payments and this account was late. 
Each time I dispute the late payment with the credit agencies, SunTrust reports worst than before ( even though the loan is not being serviced with it since XX/XX/XXXX. In fact, it is even reporting the account 90+ days late for XX/XX/XXXX now ( when the payment was made on XX/XX/XXXX in the branch while I was speaking with its branch VP ). 
I MADE ALL MY PAYMENTS TO SUNTRUST SINCE INCEPTION OF THE LOAN ON TIME AND AS IT REQUESTED. ITS REPORTING LATE PAYMENTS IS NOT ONLY INACCURATE, INCONSISTENT WITH ITS OWN REPRESENTATIVES STATEMENTS, BUT ALSO CHANGE FOR THE WORST EACH TIME.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Law Offices of Daniel C. Consuegra (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: To Whom it may concern, I had a second property in Florida which I lost XX/XX/XXXX due to the financial crisis. Even though XXXX XXXX XXXX the original creditor provided a statement to the IRS clearly showing the balance remaining was {$140000.00} and the Fair Market Value was {$170000.00} at the time making this a phantom debt ( statement included ), also the statute of limitations in Florida is only 1 year. The Law Offices of Daniel Consuegra on behalf of their client XXXX XXXX XXXX who purchased XXXX XXXX zombie debts for {$1.00} including my own ( see my note assignment provided ) created a lawsuit mill which churned out thousands of debt collection lawsuits relying on deception and faulty legal paperwork. In my case this includes intentionally filing their lawsuit under a false address in XXXX XXXX, even though my original creditor statement from XX/XX/XXXX, my current drivers license, my credit report ALL have XXXX listed as my primary residence. Furthermore, even though I was NEVER served in this lawsuit, I did receive an unsigned court document only AFTER the default judgment was already filed as an intimidation tactic. This confirms they were aware of my address all along but willfully continued with the fraudulent filing. ( please see unsigned court documents ) Because of these deceptive and abusive legal tactics I have become a victim of unfair credit discrimination. I was offered a job, but after a background check the offer was rescinded solely because of this fraudulent judgment being listed in on my credit report. Resulting in great financial and emotional harm. 

I already filed a complaint against XXXX XXXX XXXX for their role in this scheme ( Complaint # XXXX ). 

Both companies are equally responsible for making me a victim of sewer service, and violating my credit rights. 

Since I have absolutely no connections, or contacts in XXXX and the CFPB has the authority to investigate deceptive, abusive, and unfair practices I am asking them to review my case and supporting documentation carefully. 

I appreciate agencies assistance finding a fair resolution. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with Credit Karma, Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The address on my credit report in incorrect I never resided at XXXX XXXX XXXX XXXX LA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (AZ).
Issue: Account opening, closing, or management

Complaint: Citibank had an offer where if you opened a checking account and completed certain transactions, they were offering XXXX XXXX XXXX miles. I opened the account using the promotional code, and completed all of the terms back in XXXX, but they did not give me the miles. I have now contacted citibank 8 times regarding this issue. They have confirmed, multiple times, that my account had the promotion in it at opening, and that I met the terms of the offer, and that I was entitiled to the miles. They have given me a case number ( XXXX ), and have told me every time I call in that it would be resolved in two business days. Its been MONTHS and they still do not resolve the issue and give me the miles I earned. This is bait and switch, and they need to be held accountable. I ca n't close the account because the terms say you have to keep the account open to receive the miles, but they are charging me {$30.00} a month to keep the account open. This is not fair! I did everything the offer specified to earn the miles, and the bank has admitted over and over that I earned them and they owed me them, but they have not given them.

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 10/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have had these loans for over 10 years, and the servicers have changed twice. What has not changed is that using their websites to setup automatic payments or make payments seem to be designed to be difficult. For example, I am trying to refinance the loans now with XXXX XXXX, and the Navient site does not produce a proper statement that would give a refinancing institution the necessary info to confirm payoff and status. 

Several times in the past I paid over my minimum payment to try to pay down principal more quickly, but always had to jump through several hoops to get the payment applied to principal. Their defaults for payments are in their favor, and if I did not message or call them after every payment, they were made towards interest so that they would continue to earn more interest over the life of the loan. Even now with my automatic payments I am reflected as " paid ahead '' instead of payment amounts going towards principal wholly.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (MA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: TD bank manger is sending me handwritten envelopes with letter threatening to close my account, harassing me by telling me not to write checks or use my debit card. I called the customer service number 2 times and was told there was no record of my complaints. I was also told the mangers manger would call and this was also a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Debt collection (Payday loan) with Golden Title Loans LLC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX FROM XXXX XXXX CONTACTED MY PLACE OF EMPLOYMENT SAYING HIM AND A FRIEND FROM THE FUGATIVE SQUAD WOULD COME AND ARREST ME AND IF I DIDNT GO WILLINGLY THEN THE WOULD TAKE ME DOWN WITH EXCESSIVE FORCE .XXXX THEN PROCEEDED TO INSULT ME SAYING I DONT HAVE INTERIGRITY AND MY MOTHER SHOULD NOT HAVE A SON LIKE ME AND HE WAS GOING TO KEEP CALLING MY JOB UNTL HE GOT ME FIRED BECAUSE A PERSON LIKE ME DOESNT DESERVE A JOB

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: The end of XX/XX/XXXXI called Wells Fargo Customer service to inquire about how to payoff my cash advances that were made on XX/XX/XXXX and XX/XX/XXXX. The rep told me as long as I paid by my due date which is on the 9th of the month the total cash amount plus my min pay that it would be paid off. Obviously this did not happen. I paid a total of {$3100.00} and it posted on my account on XX/XX/XXXX.

I received my statement around the XX/XX/XXXX and I realized that I had an interest charge for cash advances of {$25.00} on my account then i saw that my available cash for an advance was not showing all was available. It was showing i still owed approx {$1100.00} towards my cash advance. I called Wells Fargo on the XX/XX/XXXX and was told that they would request for {$3000.00} to be refunded back to my checking account they will keep. {$15.00} for the minimum payment so I would n't be charged a late fee. That request was denied with no reason why. I called back XX/XX/XXXX and a supervisor resubmitted again to get the refund and put in for the cash advance interest charge to be removed. I check my account 2 days later and the refund for the interest was put back but still no refund of {$3000.00}. The whole reason for the refund is so I can pay the {$3000.00} and for all of it to go towards the cash advance. Still no resolution on if and when I will get my money back. Then today XX/XX/XXXX I was informed that no matter what that according to the terms and conditions that any extra money over my minimum payment first was applied to the outstanding balance which was purchase at a 12 % interest which was {$1000.00} approx and after that balance was paid the rest went towards the cash advance. I do  not see how this is leg at based on the credit card act of 2009.

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 11-08-2016 about Mortgage (VA mortgage) with SERVICE 1ST MORTGAGE, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: Service 1st Mortgage XXXX XXXX XXXX XXXX ) sends deceptive advertising to its " customers '', most of whom are Veterans. As the Compliance Officer for Service First Mortgage ( XXXX XXXX ), I field calls from very angry customers who have been told to skip mortgage payments and now have late mortgage payments reflecting on their credit report. They leave numerous messages and never receive a call back. They are told they will close a certain day and then do not hear anything from the company until the day before. Sometimes not even then. Service 1st 's behavior is both unfair and deceptive and should be addressed by the CFPB.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 12-05-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (IN).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX, 2017 XXXX XXXX closed my account due to their terms anhd conditions. They did not give me enough time to get my direct deposit switched. I called them about 20 times.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: An erroneous reporting on my equifax credit report shows a {$190.00} owed to XXXX. I have never opened nor had any power account with XXXX. In fact, during the time that this account was opened by an identity thief back in XX/XX/XXXX/XX/XX/XXXX I happened to be stationed abroad. I submitted pages of my passport to Equifax showing U.S Customs stamps proving that I was indeed abroad and could not have possibly opened that account but Equifax will still not investigate the erroneous reporting. My latest dispute that was certified-mailed on XX/XX/XXXX to Equifax on this matter, they never even bothered to respond to my dispute. It 's been +45 days now, please help!

Company response to consumer: Closed with explanation