milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-08-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Customer service / Customer relations

Complaint: XX/XX/XXXX I filed a complaint not to pay a fraudulent charge on my macy 's amex. card. This is XX/XX/XXXX and it still has not been resolved. Called customer service and was told they would investigate and give me answer. Nothing happened until I called back on XX/XX/XXXX. Spent 2.5 hours on phone with customer svce. rep. and supervisor. Was told the charges will be waived and they will remove all finance and interest charges to bring me to a XXXX ' balance. Received my statement and all charges were still on my bill. I called customer svce. again and was told that they had 'no record ' of my last call. I spent another 2 hours on the phone and was told that they will again investigate the issue for me. Again, absolutely nothing happened. This is now XX/XX/XXXX and have another problem from this. I received my credit score rating and it was dropped XXXX points from macy 's notifying them that my account was delinquent. 
I was told that the charges were removed and then told macys has no record of this call and it now is hurting my credit rating and I just do n't know what to do anymore. 
They are giving me outright lies and misinformation and I need help. 
Thank you. XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, N.Y. XXXX s.s. # XXXX Macys amex. credit card # 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 monetary relief
Consumer complaint received 04/29/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit card () with PAYPAL HOLDINGS INC. (MD).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a Paypal credit line ( formerly known as XXXX XXXX ) which is automatically linked to my Paypal online account. I began receiving calls from Paypal collection agency over the past week regarding a secondary account which I never opened. I have XXXX revolving account with them and it is the only account showing on my online Paypal member account. I asked for an explanation of how this account was opened. The representative advised me that the second account was opened under my name, however not my SSN. I advised I will not pay on a fraudulent account and asked for further information. Representative could not provide any further information and stated that they can merge the XXXX accounts leaving me with an additional {$370.00} balance ONLY after I make a payment on the fraudulent account. Advised them that I will not pay anything as there is no record of this second account and I did not open it. The SSN used for the account is not mine and the company allowed someone else to open an additional account under my name. I would like this account to be closed and my name completely removed from it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a paid and released State of Michigan tax lien from XX/XX/XXXX still reporting on my Equifax and XXXX credit reports. 

The National Consumer Assistance Plan states that tax liens without a date of birth or social security number are to be removed from credit reports starting XX/XX/XXXX. My tax lien has neither date of birth or social security number. XXXX voluntarily removed the lien. 

Both Equifax and XXXX have told me over the phone there is no such law or agreement and refused to remove the lien. 

Please see attached documents for proof the information is missing. 

Thanks for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: I wrote all 3 credit bureaus ( I will attach all documents ). Only XXXX responded. Transunion and XXXX have ignored me in violation of the law.

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 01/31/2018 about Payday loan, title loan, or personal loan (Title loan) with Westlake Services, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: Receive this loan through information online and over the telephone. Was told my payment would be a certain amount ( under {$200.00} ) and when the monthly payment was due, the amount was twice as much ( {$460.00} ) as the guy told me on the phone ...

I borrowed {$2500.00} and with in four months The loan has ballooned to {$8100.00} ... I was misinformed, the statements that are sent to my house are inconsistent with the online account balance, when you call the customer service reps, they talk in circles and use language and jargon the average person cant understand ...

This Company is out to manipulate and steal peoples money. They are vultures

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have several hard inquires that I did not authorize showing on my credit report. I have sent letters to Transunion regarding this issue and called them on  XXXX   XXXX ,   XXXX   and spoke with an Agent. I advised him that the hard inquires listed ( see below ) was not authorized by me and I have made several attempts to have them removed. There is no signed paperwork or documents proving that I submitted applications with any of the company 's listed below. Per FCRA the credit bureau must report accurate information and investigate when the consumer request and investigation. None of this was done and Transunion is in violation of the FCRA due to this issue. Please assist with removing the unauthorized inquires below ....       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 01/18/2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (WA).
Issue: Account opening, closing, or management

Complaint: I have a mortgage account with US Bank at a fix rate of 4.25 %, monthly payment of {$1300.00} includes principle, interest and escrow. I bought my house in 2001. Until recently, my mortgage monthly payment has increased to {$1300.00}. KEEP IN MIND THAT THIS IS A FIX RATE. I called customer service and spoke to both the rep and the manager whom informed me that the increase of my monthly payment was due to an increase in my property tax, a difference of {$220.00} ( {$3000.00} - {$2800.00} ). I had asked if I can send them a one time payment of the difference in the increase of my property tax but was informed by both that it was NOT an option and that if my property taxes increases again next year then my monthly payment will increase to cover the increase of my property tax.

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 10-11-2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/17 XXXX XXXX  EST Quicken Loans who provides loans online through rocket mortgage is ruining my credit when I was seeking a mortgage loan through them online. When applying for a loan, they did not state when they ran my credit that If you have had a foreclosure in the last 7 years they could only provide a FHA loan, which in my case, was not accepted by the seller on the house or acceptable by me. This ruined any chance on buying the home and now is ruining my credit in the process on the home I was looking looking to buy. I would have been better off with 90 % down and placing the rest on a personal loan since the amount was much less than the loan I was looking to get approved on. Quicken loans is causing my credit to fall with long term damages for getting a loan for a car in the future ETC ... .To me this is like a bait and switch attempt for quicken loans to provide mortgages to get people to use thier service. When sellers require that loans are not FHA Quicken Loans through Rocket Mortgage does not state it even if its the only loan they can get no matter what the damages are to thier clients. FHA loans require PMI or private mortgage insurance causing undue pain to those that seek a loan by increasing a monthly payment. From this simple credit check, this is causing me to believe that the mortgage crisis is still in full effect caused by the lending institutions and there is no accountability here and things need serious change in america which I will surely pass my experiences to my children.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: ALL 3 CRA 's have not updated my balances for my XXXX   account in months my balance is {$0.00} 's yet XXXX   XXXX  AND EXPERIAN are still showing a balance of {$620.00}. XXXX has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET XXXX KNOW MY CORRECT NAME IS XXXX XXXX XXXX not 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 non-monetary relief
Consumer complaint received 11-10-2017 about Debt collection (Medical debt) with R & B Corporation of Virginia (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Credit control corp/ XXXX XXXX XXXX/ XX/XX/XXXX adv the company that the account was not mine and the company did n't remove the information from my credit report. 

Credit control corp/ XXXX XXXX XXXX/ XX/XX/XXXX adv the company the account was not owned by me disputed the account more than once and no changes have been made. 

Credit control corp/XXXX XXXX XXXXXXXX adv the company that the account was not mine disputed the account more than once and no changes have been made to 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 01/26/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter in a the mail about a debt I do n't recall. There were very little specifics. The address was correct, but the name XXXX XXXX is not correct. The most striking thing off all, was the charge-off date, which was XXXX/XXXX/2009. I was n't even of legal age to have that debt unless I inherited it. and still in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: The attached document is why Nationstar Mortgage will not investigate this matter. I would like the cfpb to look at the attached documents and also send it to Nationstar mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: In XXXX XXXX, I purchased a {$1200.00} vacuum from XXXX XXXX in XXXX. XXXX XXXX XXXXXXXX, Home Design Division financed it with a 24 -month zero interest promotion and gave me a monthly payment of {$25.00} which I assumed was the correct amount needed for pay off. However, the monthly payment to get zero interest promotion was {$49.00}. which, of course, we could have paid. 

I 'm a senior and I do all banking and payments online, so I was never late. Synchrony failed to inform me by email that the promotion was expiring, as PayPal does. Suddenly in XXXX XXXX, {$790.00} in interest was added to my balance. So, for a {$1200.00} item I now owe {$1100.00}! The interest abuse comes in two forms. Usually, when a promotion ends, you start paying interest at that time on the next statement. They added two years of back interest onto my bill. Secondly, the interest rate is 29 %, so my now $ XXXX  monthly payment has {$30.00} in interest charged. The statements on their website can only be viewed. No link to download them. 

Once I realized this had happened, I contacted XXXX XXXX three times speaking not only to customer overseas service reps but also to U.S. based managers. No one would help me. I called XXXX at XXXX XXXX who was appalled. She gave me her merchant telephone number, but it was the same one I had. I tried to file a " concern '' at the bank website, but the concern field always was always " invalid. '' There is no number for a corporate customer relations representative at Synchrony headquarters in Utah. I hope you can help me. I dont know where else to turn.

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 09-10-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/XXXX, as XXXX of my XXXX XXXX, I went to my local Chase Bank branch in XXXX, to deposit assessment checks. I was told by the teller that one of the checks had a hold placed on it. It turned out that it was my check, from my account at a credit union. I asked why the hold was placed, and the teller said she did n't know why. I went home, and called my credit union, and they said that there was no reason on their end that a hold should be placed on one of my checks. I returned to the bank, and spoke to one of the bankers, who tried to cancel the hold unsuccessfully. I told the banker I wanted to know WHY the hold was placed, and she said there was no way she could find out the reason, that it was the " back office '' who made these decisions. 

My question is : can they do this to me without telling me why? Because the fact is that they are benefiting from having the money from this check from XXXX to XXXX, when the money will be sent to the XXXX XXXX. If they repeat this action enough times, I would guess that they can make quite a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Company at center of complaint : XXXX Issue : I received an email notice from a debt collection company about a XXXX bill from when I closed my account. How did my bill get to collection when I have gotten not one email or piece of mail from XXXX  about my account and its remaining balance if there was one. I have no issue paying my bill, but to ruin my credit when Im trying to rebuild it without notifying me I owe them is a problem. They need to undo this collections and allow me to pay them fairly. I called to resolve the issue three times and they have either told me they will transfer me to a manager and send me to their voicemail, complain that the line is bad and that they will call me back or put me on hold and the call magically drops.
Customer with complaint : 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 02-01-2017 about Credit reporting () with FIRST ADVANTAGE CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I applied for a job with a company called XXXX. I had to pay {$7.00} for my background check. Within days, I was denied employment because the consumer reporting agency they used claimed that my social security number could NOT be validated. In speaking with First Advantage, I was advised that because I have a security freeze on my credit reports, they could not validate my SSN. I find this very disturbing as there are other ways to verify someone 's SSN. Additionally, within the report myself and the employers was sent, it uses deceitful verbiage such as " Ineligible '' and " the SSN does NOT belong to the consumer in this report '' which is not only inaccurate, but is misleading and defaming to my character. First Advantage told me I would need to lift the freeze so they could re-process the background check. I was already DENIED employment because of their inaccurate information so would n't that information been more valuable to me had they told me PRIOR to completing the background check? Should n't it state that we pull this specific credit file and would need it to be clear of freezes? In fact, typically when there is a freeze, I am contacted by the company trying to pull my credit and asked for the security code to access the file prior to being DENIED or considered INELIGIBLE. This process is required under the FCRA when pulling a credit report that has a security freeze. Neither was done. Further, not all of my credit files have a freeze. How was I to know which XXXX they pulled? I am disgusted by their violations and the damage they have caused. When I reached out to XXXX they were of no assistance and put the issue back on First Advantage as if they were the decision makers for employment. I 've been labeled " ineligible '' for employment and I 've done nothing to deserve that. This entire process between XXXX and First Advantage should be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Other

Complaint: I had a Capitol One credit card that I opened in XXXX. In late XXXX, I lost my job. My credit card was maxed out and I could n't make payments on it. I spoke with Capitol One and a collections company representing them, and we came to a settlement. The account would be closed and I would make a payment of {$50.00} a month toward the balance of the charged off amount. I have held up my end of the agreement every single month. The payment was not late one time, as it was taken out automatically every single month. When I checked my credit report in XXXX of XXXX I noticed that not only was the account reporting as open, it was showing that I had XXXX ( roughly- at that time ) late payments at XXXX days. I was shocked. The account was only open for XXXX months and I only had XXXX late payments, so how could I have that many late payments? It was both impossible and inaccurate. I had called, written, and disputed several times. I called all three credit bureaus and capitol one every single month since I noticed this in XXXX of XXXX. Each and every time I was told that this is correct. If anyone would take just 5 minutes, they would see it is not possible for this to be correct. I just do not know what to do at this point, as no one at Capitol OneXXXX is willing to help me. Please just take some time to review the information provided and help me adjust the information to be correct. It should state XXXX late payments ( as shown ) and not XXXX as displayed on my credit report. I sincerely appreciate all of your time and assistance. It not only means so very much to me, but it improves my life and living situation. 
Thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - XXXX/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. XXXX ( XXXX XXXX ) - XXXX  will not list that this will affect your credit score, nor did I apply for XXXX XXXX. They've not provided information on what this was for and I would like this removed as well. 

3. XXXX XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XX/XX/XXXX, but I did not apply for any to pull credit information from my account. 

4. US Bank. ( XX/XX/XXXX ) - I had a secured card from U.S Bank,  therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Non-federal student loan) with AES/PHEAA (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Originally took out a private student loan in XX/XX/XXXX/XX/XX/XXXX in order to be able to finish college for about $ XXXX. It 's now 10 years later and I still owe over $ XXXX. I 've never made a single late payment, always pay above the minimum payment needed. It 's supposed to be a XXXXmonth loan and there 's no way it will be paid off in 14.5 years! I believe AES has been committing fraud and trapped a young naive XXXX year old student eager to go to college. Each month it appears they never apply the extra amount to principle balance, but instead use it towards future payments meaning that I 'm always paying interest on a higher principle balance than if they had applied the excess payments to principle balance. Each month the amount applied to principle balance and interest balance is HUGELY different each and every single month.

Company response to consumer: Closed with explanation