milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2015 about Credit card () with U.S. BANCORP (IL).
Issue: Credit card protection / Debt protection

Complaint: On XXXX XXXX, 2015 my EastWestBank card was flagged as being suspected of fraud activity. Elan Financial Services manages security and fraud activity for EastWestBank. VISA notified Elan Financial Services on XXXX XXXX, 2015 that they had suspected that my EastWestBank card of fraudulent activity. 
Elan Financial Services never notified me that my EastWestBank card was flagged as being suspected of fraud activity. I was carrying and using a suspected fraudaulent credit card for days before I discovered this status. And I only discovered that my credit card was suspected of fraud on XXXX XXXX, 2015 when Elan Financial Services denied a purchasedI made to XXXX. I was never notified. 
I spoke to a manager of the fraud department at Elan Financial Services on XXXX XXXX. He informed me that notifying the card member of any fraud activity is optional. I have other credit cards who not only notified me of suspected fraud actiivty but issued a new credit card immediately. 
As the card member, do I have the right to be notified immediately when my credit card is supected of fraudulent actiivity?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (VA).
Issue: Shopping for a loan or lease

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX dob XXXX/XXXX/XXXX SS # XXXX EXETER one has agreed to remove the unauthorized inquires from my XXXX report. I did not apply and have no credit with these people. 

EXETER XXXX/XXXX/XXXX my id is attached please verify my signature

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: Today, XXXX/XXXX/2016, at about XXXX XXXX, I opened an account with TransUnion - mysmartmove.com - and used the service to evaluate a potential renter. shortly after completing the on-line process, I started getting a repeated automated email that has continued all afternoon and even now is sending to my email. I told the customer service people at the contact number, twice that I was getting unwanted repetitive emails and I sent them emails through their " contact us '' email. I just got XXXX more of these harassing emails. This is part of the email : From Subject Received Size Categories TransUnion SmartMove Recommendation ready for SmartMove Application # XXXX XXXX XXXX XXXX PLEASE. I do n't want these emails and I ca n't get anyone to stop them. XXXX XXXX - XXXXXXXXXXXX

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 12/31/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: My son was XXXX and told the Wells Fargo banker we needed to set up a free checking student bank account before he goes to college. We completely set up the account and then in a few months her turned XXXX and started charging fee. I called to complain and they said they 'd give us no charge as a courtesy for a few months. They said it was a free account knowing it would not be free in a few months when he turned XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problems caused by my funds being low

Complaint: I opened a checking account at Citizens when I turned 18 years of age and received a debit card with the account. I was using my debit card and not realizing Citizens was approving my transactions even when I did n't have any funds on my account. At the time of my account opening I was working and had direct deposit going in so whatever debit transactions I was purchasing whether or not I had money on my account my direct deposit would be able to cover the money owed and overdraft fees. In XXXX 2015, I no longer had direct deposit as I no longer was working. I bought something online for myself and again my debit card was approved but by XXXX XXXX 2015, my account balance was negative ( XXXX ) of which {$310.00} were overdraft fees. The following month I received another statement and my account balance was negative {$1000.00} of which {$780.00} were overdraft fees. My account was not used for the month of XXXX but my balance kept increasing. Three months later my account was sent to Collections called XXXX XXXX XXXX XXXX. I went to see one of the customer service person at Citizens yesterday and they told me my account has been sent to Collections and they could n't do anything about it and it was my fault even though my account was n't used for two month and in the matter of 2 months my account received {$780.00} in fees. The same day which was shocking to me and should be ILLEGAL I found out every 4 days the account is overdrawn Citizens charges XXXX in overdraft fees, monthly maintenance fees and some other fee that I do n't remember. This was too overwhelming for me as a XXXX year old, XXXX from XXXX XXXX this year, that a bank will do this something like this to someone who just start learning about banking products. Out of everything what bothers me the most is at account opening the customer service desk never explained the opt in and opt out ( I still do n't know what that means ) by my new local bank explained that to me in layman terms and I know now. But Citizens just automatically signed me up for allowing my debit card to go through when I did n't have money to cover the charge. I need for CFPB to do something about this illegal business that Citizens is doing to younger people/ students like myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is a two part complaint ... one the credit reporting agencies such as XXXX XXXX, XXXX XXXX are reporting short credit history which is not showing the positive paid off credit history that should be on record at least 7 years. Improper reporting of employment and reporting higher scores than a mortgage lender. OnXX/XX/XXXX scores reporting XXXX  XXXX, trans union XXXX, XXXX XXXX. Just after a 20 pt drop from ( XX/XX/XXXX part 2 complaint ) The mortgage company showed scores based on their scoring model as XXXX, XXXX, transunion XXXX, XXXX XXXX. I was stunned and shocked how completely different this was which you know what happens to people who are trying to buy a home. Not a very good outcome. I worked very hard with little positive information reported to my credit score ... now onto part two. Last yearXX/XX/XXXX ' created a hospital debt over medical..the remaining balance was {$1400.00}. This was sent into collectionsXX/XX/XXXX and reported to XXXX. I started making payment beginning XX/XX/XXXX to XX/XX/XXXX ( now paid off ) since I made a payment it was reported again and dropped score over 20 pts transunion reported onXX/XX/XXXX score XXXX  a few days before my wife and I were to meet a mortgage lender needless to say this was the most stressful time to watch everything fall apart.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have written to the  XXXX  credit reporting agencies also   XXXX   XXXX   about having this account removed. It has not been verified with the first round of disputes. All I get back is a generic response that it is valid with no verifiable letters. My credit reports have this listed as charge offs and it needs to be removed from my account. My second round of disputes went out and I still have not received anything from 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 explanation
Consumer complaint received 06/23/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: So they say I had XXXX in 2015. I know for a fact I did n't so I asked for proof. Never received the proof. Then I dispute on XXXX XXXX and next thing it gets deleted bc I 'm sure they did n't get the proof either. But they changed names and it 's on there again. Now the are enhanced recovery company not ERC that got deleted before. They got away with changing their names and getting back on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The site XXXX wouldnt work and did n't give me my XXXX or experian reports and the companies wo n't help me. They provided me with the number XXXX which I was unable to connect to a human being which is unacceptable.

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 07/17/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (MI).
Issue: Trouble during payment process

Complaint: I am requesting your immediate involvement to assist in solving the problems that exist when my loan was assigned to servicer - LoanCare , LLC. I am a FIRST time home buyer in Michigan. I closed on my FHA loan in  XXXX  2017. My first payment on this mortgage was due   XXXX   XXXX  , 2017 in the amount of {$540.00}. I received a letter from   XXXX   XXXX   dated   XXXX   XXXX  , 2017 instructing me to make this payment directly to them ( see attached ). I received a letter on   XXXX   XXXX  , 2017 from LoanCare , LLC instructing me to make all further payments to LoanCare , LLC. I have adhered to both of these letters. The PROBLEM arose when I was contacted by LoanCare informing me that they are missing my   XXXX   2017 payment. I have explained to them in THREE different conversations that I was not instructed to pay my mortgage to them in  XXXX . At the present time, they reflect my account 30 days delinquent because they did not receive my   XXXX    payment. I paid the mortgage payment as instructed to   XXXX   XXXX  . Although I have provided evidence of this neither   XXXX   XXXX   nor LoanCare will correct the records and my credit is in jeopardy for erroneous information. I have been promised each time that someone will return my call, this includes escalations to management (  XXXX  between  XXXX - XXXX  ) no one is responding. This is extremely frustrating as a first time home buyer that I am the victim in this entire mismanagement of my account and no one seems to care. They ( LoanCare ) keep asking me for payments that were made according to documents received. My next payment is due   XXXX   XXXX   but I am being told I owe for   XX/XX/XXXX   by LoanCare because the payment I made to them fo r  XX/XX/XXXX  posted for  XX/XX/XXXX . I  have done everything in my power by providing proof of payments but I am getting no where.

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 08/14/2016 about Debt collection (I do not know) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has reported a debt on my credit report that I did recognize. When I disputed the validity of this debt with the company through a validation letter sent via certified return receipt mail, the company turned around and verified the debt as a valid debt to the credit bureaus, whereas they were required by the FDCPA to report the debt as " disputed. '' This is a clear violation of FDCPA. 809. Validation of debts [ 15 USC 1692g ]. ( see attached credit report excerpt )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Payday loan) with Pinnacle Asset Management, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I borrowed {$600.00} XXXX XXXX/XXXX/2013 and added to it the sum of {$320.00} on XXXX/XXXX/2013 ... ..I made 12 payments ( ACH ) totaling {$1900.00}. I repaid more than double the principle ... .after closing my bank account ... .I was never contacted by the lender ... ..I did advise them that the loan was not legal in pennsylvania ... .I was contacted by a company in XX/XX/XXXX by the name of XXXX ... I ask them to provide details in writing which they did not and hung up ... ..recently ... they contacted me with threatening actions ... .I again ask for written details ... .never rec 'd ... ... then i called the payday lender ... XXXX ... they said they had no details of my account other than it was sent to XXXX. ... I called only to hear they sent to XXXX XXXX XXXX ... .they in turn sent it to XXXX ... .i called them and they said they outsourced to collection companies. ..but that they would pull back and cancel ... ..they gave me a number to call ... .Pinnacle asset recovery ... i spoke to the manager ... XXXX XXXX ... .he advised they wold close the account and stop all outsourcing ... ..i ask for email saying same but have not rec 'd ... ..he said they did n't want issues with Government or PA dept.of banking ... ... .I never heard from any of the above including XXXX until I heard from XXXX. I have banking details showing payments if needed.

Company response to consumer: Untimely response
Consumer complaint received 12-04-2015 about Mortgage (FHA mortgage) with AMERICAN FINANCING CORPORATION (CO).
Issue: Credit decision / Underwriting

Complaint: My ex-landlord, XXXX is also an ex work peer and she is refusing to respond to a request for a VOR so that I can close on my mortgage. In spite of the fact that I never paid her late, she has threatened to report negatively and is purposely delaying completion of the VOR due to the fact that I refused to allow her to break our 6 month lease. She requested many times to break the lease and tried to intimidate, threaten and bully me over my refusal to break it. She is now jeopardizing the successful close of my transaction and my earnest money, appraisal fees, hoa condo doc fees, inspection fees, I have had to move my things into storage and find temporary housing all due to my refusal to let her break the 6 month lease because her boyfriend was constantly breaking up with her. I have proof that I paid her on time every month any time from the XXXX through the XXXX and she is also accusing me of never having paid on time. I need immediate assistance and am also having to retain an attorney now which is an additional expense. It is my understanding that in all real estate dealings, she should be operating in good faith as I have and can not threaten, harass, intimidate or retaliate against a tenant in any manner. On XXXX XXXX, my move out date, she also sent her fiancee to the rental to try to intimidate me. I have text messages from her that confirm my claims and apparently her previous tenant, XXXX XXXX was subjected to the same behavior. The lease was only from XXXX XXXX through XXXX XXXX and she asked me to move out no less than 4 times and I can prove at least XXXX of those times through texts and that I did actually attempt to accommodate her demand although I was not required to. The XXXX demand was on XXXX XXXX ; just over a month into the lease. She is definitely vindictively retaliating against me for not moving out per her demands. She had no cause to remove me and has never posted an eviction or claimed in writing or otherwise that she did not get her rent or I assure you, as desperate as she was to move back in, she would have filed an eviction notice. I desperately need assistance and I need to to provide an honest, accurate rental verification so that I can close. Thank you for your assistance. Please contact me at XXXX or XXXXXXXXXXXX or XXXXXXXXXXXX. XXXX XXXX is employed at American Financing LLC and her phone number is XXXX, work phone is XXXX. 
Please provide a portal access, fax or email address so that I can provide proof. Thank you. 
Thank you for your assistance. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ok I received XXXX calls from this company sunrise credit in one day and when I called to find out who it was and how many times they are allowed to call me the employee XXXX stated more than once so I asked to speak with a supervisor and multiple times he avoided the question and continued to tell me they did n't call me and placed me on hold multiple times telling because we are on the phone he ca n't see if they called and once more puts me on hold and comes back and tells me that they did call multiple times and I advise him that my rights are violated and to answer how many times they are allowed to call he states that he did n't know that answer I felt this was very unprofessional of the company for them to conduct they way they have and for a supervisor not to know his rules and guidelines I felt harassed

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 01/20/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (TX).
Issue: Managing the loan or lease

Complaint: How can I find out if Honda over charged me for my loan?

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: After losing my job in XXXX, I got behind on my $ XXXX/month mortgage payment. By XXXX, XXXX, I was three months delinquent. Around XXXX, XXXX, I commenced a temporary workout package with XXXX. For the next seven months I paid {$1.00} per month. On XXXX XXXX, XXXX, I called XXXX in response to a written notice and was informed on the phone that if I made payments on time for the upcoming three months ( the payments were about 90 % of a full month 's payment ), I would be eligible for a refinance and possibly having XXXX funds cover the arrears. During that XXXX/XXXX/XXXX phone call I made an electronic payment of {$2300.00} as the payment for the month of XXXX, XXXX, i. e., the first of the three trial months payments. About that time, Green Tree Servicing LLC became the loan servicer in place of XXXX, but I was unaware of it. On or about XXXX/XXXX/XXXX, at XXXX I called XXXX at XXXX XXXX XXXX XXXX to make the XXXX of the XXXX 90 % monthly payments. I was told by their representative that he could not talk to me about the loan because Green Tree had taken it over. The call lasted XXXX minutes. On XXXX/XXXX/XXXX, at XXXX p.m., I called Green Tree to make my XXXX of the XXXX monthly payments. I spoke with XXXX XXXX, and told her I wanted to pay the {$2300.00} over the phone. She said I could not and instead demanded aggressively that I pay the full arrears of about {$31000.00}. She would not let me explain that I had an agreement with XXXX. Finally she started asking me about my financial situation and my income. I asked her why and she said she had to fill out an application for me before she would know if I qualified for the same workout package that XXXX had given me. After taking my information, she said it looked as if I might have a chance to qualify for starting a new trial period that would last for XXXX 4 months. Then she said she would mail me the workout application package for me to complete. She told me I needed to get it back to them in about 3 weeks, and gave me a fax number to submit it to. She said it would be best to get it in by XXXX/XXXX/XXXX. This call lasted XXXX minutes. I did not submit the form. According to Green Tree 's monthly statements, the arrears are up to {$46000.00} as XXXX XXXX, XXXX. I have been setting aside the monthly payments in my bank account since Green Tree refused my XXXX/XXXX/XXXX payment. On XXXX XXXX, XXXX, I received a call from a Green Tree representative in XXXX, AZ. She asked if I had received the certified mail they had recently sent. I had not, I told her, so she explained that I had 30 days from the date on the letter, which she claimed was XXXX/XXXX/XXXX, to correct to the default by paying {$41000.00} within 30 days of the date of the letter. Or I had the opportunity to cure the default by making a workout agreement. If I did not cure the default within the 30 days, they might begin foreclosure thereafter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: When my account was first taken over by some random man in Washington State using my ID they just let it happen. So when all of my online account info was changed, obviously it was a little hard to manage since I cant go into branch without id or debit. But I cant seem to keep a debit card because they keep sending it to the id their!!! Ive called so many times and now Ive completely lost track of the only account I own to pay my kids rent. Ive requested a new account but they will not budge or even try to accommodate the fact that I have XXXX kids, full time XXXX XXXX and now apparently ANOTHER full time job trying to RE-make money from my own accounts. Thanks for being so safe, Chase.  Hopefully this finds you alright considering its not from the email address you have on file.

Company response to consumer: Closed with explanation