milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (CO).
Issue: Late fee

Complaint: I missed my XXXX XXXX, 2016 payment by mistake and called the company on XXXX XXXX, 2016 when I realized my error. They waived the late fee and, in order to prevent this problem from happening again, we discussed changing my due date from the XXXX to the XXXX. I was told that future payments would be due no later than the XXXX. I even set up auto-pay to ensure I would not be late again. Today, XXXX XXXX, 2016, I received an email notice that claimed I missed another payment. I immediately called the company who confirmed that they changed the due date and setup auto-pay for me. However, they claimed that the due date change was not take effective until XXXX 2016 and the auto-pay would not start until XXXX XXXX, 2016. I was not advised on the phone or in writing that the due date change would not be effective for the XXXX 2016 period. Further, the company sent me the XXXX 2016 statement on XXXX XXXX, XXXX, but I spoke with the representative on XXXX XXXX. Thus, the XXXX XXXX statement would not reflect this representation and change by the company. The company has now increased the late fee from {$23.00} to {$37.00} and refuses to waive it. I relied on their representation that my due date was changed for all future periods, including the XXXX 2016 period. The company is now attempting to charge me a fee for its mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am the victim of identity theft. Several years ago I banked with XXXX XXXX. XXXX had a massive data breach which resulted in my full name, driver 's license, social security number and birthday being sent to over XXXX people. Several accounts were opened in my name as a result. One of them was a residential lease that I was not part of and then cable service at this address I never lived at. During the time this lease was executed I did not even live in the state let alone the city. I have provided all credit reporting agencies and this company with proof yet this company continues to report this false information. I am attaching a proof of identity theft from XXXX XXXX which includes a phone number any creditor may call to validate my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This letter is being sent to you in response to a listing on my credit report from EQUIFAX Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) and that this claim is disputed and validation is requested. 
I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of the authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I ask you to provide the following information : 1. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state. 
5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 
Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from EQUIFAX. 
For the purposes of XXXX XXXX XXXX et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Alliance Data Card Services (MI).
Issue: Getting a line of credit

Complaint: Paypal opened a line of credit in my name without my knowledge, and without a proper credit application. I do recall completing a request for a new line of credit, and I only found out after receiving notification via my credit report alert that a new line was opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2017 about Credit reporting () with Aargon Agency, Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Collection agency sent me a letter saying I owe {$150.00} to XXXX. I paid full balance of {$62.00}. I have their receipt stating a {$0.00} balance after the payment of {$62.00}. I sent an email to this collection agency attaching the receipt and I never received any a response. To anyone reading this I do n't recommend XXXX. They were nice before, but as soon I accepted their services they forgot about 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 10/23/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: called office dispute the bill, I asked for a manager they refuse to transfer me to a manager, spoke with a rude collection rep, who told me the account was n't in dispute and that I need to pay the bill or they would go ahead and sue me and if I did n't pay the bill that I could get arrested. I hung up the phone. In XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX-XXXX XXXX SS # XXXX-XXXX-XXXX Re : Chase account XXXXxxxx XXXX  To Whom It May Concern : I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,

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 Experian Information Solutions Inc. (NC).
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: On Wednesday XXXX XXXX, XXXX at XXXX I called Experian and spoke to a U.S. representative regarding my credit file. I told the U.S. representative that my name was incorrectly spelled and it was showing that my name was spelled as XXXX XXXX and he completely ignore my request and rush me off of the phone when my name is clearly spelled XXXX XXXX. When I called back and spoke to a different representative I want a re-investigation of the items I had disputed accounts including XXXX XXXX XXXX XXXX XXXX XXXX. I clearly stated to the representative that they have failed to provide me with a copy of any viable evidence submitted by these two accounts and to be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within the 15 days of the completion of the re-investigation. I also stated that they please provide the name, address, and telephone number of each person that contacted these companies in regarding this alleged account. I requested a copy of any documentation provided these accounts with my signature, showing that I have a legally binding contractual obligation to pay them the amount claim. I also stated that an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. The U.S. representative however did not care to fix the problem and hung up on me when I was still talking to him which was very rude and disrespectful.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
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: I was mistakingly given two SSN and I have since resolved this issue with the Social Security Administration and they have told me to start using my correct SSN. They even provided a letter for all transfers and changes I will need. I want all my credit from Transunion on old SSN, transferred to new. 

I have contacted Transunion with ALL needed documentation and they answered with a letter that has nothing to do with what I said, or talk about any updates. Which means it was n't even looked at.. I want all my credit history with Transunion transferred to actual SSN asap. I have provided the letter I sent them and what they answered with.

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 06/30/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I believe I have Genesis loans from XXXX Colleges and would like to know if they are included in the CFPB settlement. I attended XXXX College in XXXX, from XX/XX/XXXX to XX/XX/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 03/13/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Application, originator, mortgage broker

Complaint: I am extremely disturb of the way my loan has being handle by Seterus. I was offer a trial payment for the amount of {$2000.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That is not acceptable because is higher than my regular mortgage payment. Therefore I am not able the make those trial payments. I was paying {$1100.00}. before I started to fall behind. I am in need of assistance for a better workout option. My home now has a sale date for XX/XX/2017. However Seterus never postponed my sale date even though I was approved for a trial. I am more than sure that Seterus is involve in fraudulent and deceptive practices in order for them to foreclose me. I have summited a complete modification packet since XX/XX/2017. Seterus was taking forever to cancel the current trial therefore my packet was not able to start the review. I am tired of the excuses I keep getting by Seterus a need a solution an a detail explanation of why my packet has not been review for a better workout.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Approximately 4 months after purchase a new home and receiving a first mortgage loan, I attempted to " recast '' my monthly mortgage payment by making a large payment of principle ( {$60000.00} ) and a recast fee ( {$300.00} ) in accordance with my loan documents. The recast request along with my payments were made on XXXX/XXXX/16. The recast has not been processed to date despite my numerous inquiries. Now the mortgage has been assigned to another servicer on short notice ( approximately 15 days ), again without any acknowledgment of the recast being completed. In calling the current ( and soon to be former ) servicer I have been given a variety of excuses and promises on the progress of the recast. Being able to recast the loan and adjust my monthly payments without a prepayment penalty ( once my prior home sold ) was part of the inducement in doing this loan and the failure to do so appears to be a material misrepresentation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I saw an ad on XXXX that was talking about Loan Forgiveness, I called them and they consolidated my loans but charged me XXXX I am only paying {$39.00} dollars a month but this does n't really make sense to me. They told me in 4 years of paying my school loans would be forgiven. Is there any way I can recover some or all of what I have paid them if they are in fact scamming me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Debt collection (Mortgage debt) with I.Q. DATA INTERNATIONAL, INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On or about XX/XX/XXXX, I had to move out of my apartment due to being relocated for a new job. I turned in my notice to vacate the residence, along with the keys to the landlord. Per my lease agreement, I was on a month to month lease, and according to Florida Statue 83.595 ( 1 ), ( 2 ), or ( 3 ), we selected choice 2, in which we did not agree to liquidated damages or an early termination fee. I also did not receive a proper accounting of security deposits in which we paid since we have moved in on XX/XX/XXXX. I have since attempted to contact the property management company who did not assist in trying to correctly remedy this problem. I understand that I owe 1 month rent, minus the additional security deposit that they owe me, or to apply towards the balance owed. Once this is corrected, I will then work out an arrangement to remedy this balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have 2 credit inquiries that I do n't remember applying for that are on my record. 

Date - XXXX/XXXX/XXXX - Credit Inquiry - CBNA Date - XXXX/XXXX/XXXX - Credit Inquiry - CITIBANK NA

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 04-10-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I was having XXXX ( XXXX/XXXX ) as my lender since XXXX XXXX. They transferred it to Nationstar Mortgage , LLC during end of XXXX stating that payments from XXXX will be done by new lender. Nothing happened - neither the new lender contacted me nor the mortgage payment happened.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with XXXX. A company that I have never done business with. Ever since I started driving my insurance companies have been XXXX and XXXX. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent 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 04/19/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: on XXXX/XXXX/2016 I submitted a {$25000.00} payment to Ocwen for a principle prepayment on loan XXXX. They used {$1000.00} to pay my regular payment which I did not instruct them to do. I want the payment reversed and credited as I directed all to principle payment and my payment of {$1000.00} made on XXXX to my XXXX payment. 
Ocwen is a predatory mortgage servicing company run by thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/2014, my husband and I submitted a letter to Debt Recovery Solutions , LLC to provide proof of a debt they were trying to collect on from XXXX. In XXXX, my husband called XXXX and they stated they had to record of such debt. 

We received a letter dated XX/XX/XXXX that our debt was held by XXXX ( same information, no proof that we owed the debt ). I called XX/XX/XXXX and spoke to XXXX about the debt. He said XXXX XXXX would call me back that night. She did n't. 

I called again on XX/XX/XXXX to follow up since I had n't heard anything. Spoke to XXXX. He said that XXXX XXXX was on vacation. I asked if she were on vacation for the past XXXX days. He just stated she 's on XXXX. He tried pulling up the account. He initially said that he could n't pull up the account with the account number I gave him and wanted my social security number. I refused to give it. He tried the account number, brought it up and looked at the account. I explained that I want, not verification of this debt, but PROOF we owed the debt. He simply verified that we lived in the house and that we had this phone service. I explained that when my husband called in XXXX, XXXX told him they could not find any record of such a debt and we 're looking for proof. If they can prove the debt, we 'll pay it, but otherwise we do n't feel it 's a valid debt. 

In the course of this interaction and asking for proof, XXXX told me that the burden of proof is on me, that they do n't have to prove I owe the money. I explained that from my research, it seems they need to be able to prove I owe the debt. He said that he would have a manager call me back in XXXX hours, but I pointed out that I 've already waited XXXX days for a return call. I have asked that they provide a letter from XXXX stating that we owe this debt, not just to verify the debt. 

XXXX eventually said, he was n't going to talk about it any more and said he was going to cut off the call, which he did.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (I do not know) with Credit Bureau Collection Services, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have received a derogatory mark on my XXXX credit score from CBCS for the collection of {$140.00} ; account opened XXXX XXXX, 2017. Though this mark shows up on my credit score history, I have yet to receive any paper documentation from the company explaining what company I owe money to or a " Right to Despute '' letter for this debt. I would like to know more information regarding this debt so I will be able to have it paid and removed from my history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX and Experian are still charging money for credit freezes and thaws. After the XXXX break, the Experian breach, and the XXXX breach, this is unconscionable. 

CFPB should pressure all of the credit reporting agencies to offer freeze/thaw protection gratis.

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 04/29/2015 about Credit card () with U.S. BANCORP (NY).
Issue: Advertising and marketing

Complaint: When I signed up for this credit card, it was supposed to come with the benefit of getting a XXXX night when I booked XXXX nights with points, which is why this card has a hefty annual fee. I just paid my annual fee back in XXXX of this year and then a few weeks after I learned that they are taking away this benefit! This is completly unfair since that is the only reason I paid the renewal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On a {$27.00} principal balance this company is charging {$70.00} in fees and interest. they continue to add {$35.00} per month as a " fee '' plus interest. I have paid the statement balance on the original principal amount due of {$27.00} in the full amount owed at {$60.00}. They refuse to accept this payment as paid in full for the {$27.00} balance which was also for additional fees and interest in XXXX. They continue to add fees and interest onto no transactions and no additional use of the card, simply charging fees and interest on fees and interest. Please have this company zero out my balance and cancel this card as I instructed them to do so months ago. Please do not allow them to continue to charge me fees in excess of 100 % of the principal balance owed. My final payment was mailed XXXX-XXXX-2017 in the amount of {$60.00} which I believe to be a gross overcharge, however they want an  additional {$35.00} for an additional fee plus an additional {$1.00} interest on their late fee.

Company response to consumer: Closed with explanation