milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2016 about Mortgage (FHA mortgage) with U.S. BANCORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: U.S. Bank is the current holder of my mortgage. My payment is due on the XXXX of the month and I have always paid my bill on that day. Effective this XXXX, U.S. Bank implemented a policy that assesses an 'online payment fee ' if the mortgage is paid after XXXX XXXX XXXX on the XXXX of the month. Since I live in a XXXX, then this means the fee will be assessed after XXXX XXXX. on the XXXX of the month. Given that I work during the day, this new constraint causes an undue burden for me as a consumer. Essentially, I am being charged a 'late fee ' despite the fact I am paying my bill on time. According to U.S. Bank, this is not a late fee. Instead, they claim that late fees are only applied after a 15 day grace period following the due date expires. This new 'online payment fee ' is not given as an 'online payment convenience fee ', XXXX that is assessed across the board for online payments, but instead as a result of paying after a particular time. That is the definition of a 'late fee. ' I am being forced to pay a late fee despite paying my bill on time. 

XXXX, this was not part of my original agreement. Had I known this would be the case, I would have moved my due date to later in the month. There are no U.S. Bank locations or subsidiaries in my city or nearby so I do not have the option of making the payment at a physical location. My remaining choices are then to either mail in a payment or pay the bill online. When I first set up my mortgage account and payment schedule, no such ridiculous fees were assessed and so, I chose a schedule that allowed me to pay my bill on the XXXX of every month without incurring higher undue costs. Furthermore, I was not reasonably informed of these changes by U.S. Bank and how it would affect me. I happened to find out about it because I noticed the new field on my online payment page and called in to find out what it was about. 

This is not the first time I have had issues with U.S. Bank assessing an unnecessary fee on my account. Last summer there was another bogus charge on my account and calls to the customer service department yielded no results. Now, I 've had enough. This bank is predatory, unscrupulous and needs to be investigated for its business practices. I did not choose them to service my loan- they bought it in the secondary market. There is not a month that goes by that I do n't wish I could easily switch to another bank.

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 01-07-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Midland Funding LLC filed lawsuit to collect debt, but did not attach any proof that they can sue for debt when they filed the lawsuit. 

Additionally they violated XXXX CONSENT ORDER, Section XXXX, Subsection a, b, c & d. Section XXXX, Subsection a ; XXXX, XXXX, XXXX, XXXX. 

The lawyer repeatedly telling me I would have to pay all fees if I elect my right to consumer arbitration & lose & that I would be acting in bad faith if I do elect my right for arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On  XXXX   XXXX  i went to buy a new toyota   XXXX   and i was ripped. I have asked why they sold me a truck that was  XXXX   XXXX  and gave it to me for  XXXX  they told me it was so help with my credit but i have perfect credit

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Consumer Loan (Installment loan) with DISCOVER BANK (CA).
Issue: Managing the loan or lease

Complaint: Creditor 's representatives gave me incorrect information regarding " filing a dispute ''. If Creditor 's representative did n't mislead me, I would not have a balance on the account. I would have disputed a {$5000.00} charge and it would n't be on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a private student loan consolidation loan through Wells Fargo with a cosigner. I have been making my loan payments on time since XXXX/XXXX/XXXX and I made my first loan payment on time on XXXX/XXXX/XXXX. That is 73 payments on time in a row. According to Wells Fargo only 24 payments in a row, since I paid my first payment on time, are needed to release my cosigner. I applied to have my cosigner released. I had to call and request a form from Wells Fargo. I got the form and signed it and added a pay stub as proof of income. Then mailed the form back to Wells Fargo. Despite my income of over XXXX gross a month and good payment history on the loan I was denied a release of my cosigner by Wells Fargo since I had a bankruptcy on my credit 6 years ago. I feel this requirement for releasing my cosigner was never disclosed when I got the loan. Wells Fargo misled me about how hard it would be to remove the cosigner. I feel this new requirement of never having a bankruptcy is n't even a valid requirement because these student loans can not be dismissed in Bankruptcy. I will submit my payment history on the student loan, The letter I received saying I was denied and the reason, and I will submit a pay stub for proof of income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am a resident of Texas traveling abroad. In XX/XX/XXXX, before I left town with my wife for a 6-month stay in XXXX, I filled out a form to add her to my Charles Schwab account so that she could have a debit card in her name. A few weeks later, Schwab froze the account because they said they could not verify that my wife was a US resident. My wife has a US passport and has resided in the United States continuously since she was XXXX years old. Over the phone, they asked my wife if she was living in XXXX and when she told them yes, meaning that XXXX is currently where she is staying. When she later attempted to clarify that she is not a resident of XXXX and is only in XXXX temporarily, they claimed that was not what she said over the phone and refused to unfreeze the account. They have also frozen an attached brokerage account. The total value of the two accounts is more than {$80000.00}. I offered to furnish Schwab with numerous pieces of proof that my wife is a US resident, including utility bills with her name on them, but they refused to accept any form of proof, claiming that her statement to them was evidence that she is not a US resident. They also will not remove her name from the account and will not transfer the account funds to any other account unless it has both of our names on it. I now face the task of having to open a new account with a different brokerage company while I am overseas if I want access to my equities. That has caused me considerable hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Medical) with DCI Credit Services, Inc. (MT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: DCI credit in XXXX XXXX told me the hospital was charging me all the interest on my medical bills. NOT THEM. They said My payments went to " legal stuff '', " other accounts '', " interest ''. I have asked for statements and they just send confusing print outs. They wo n't send statements or letters. The website says you can see open and closed accounts - send email. This is NOT true. XX/XX/XXXX I owed XXXX. Made payment of XXXX. I then owed XXXX in XX/XX/XXXX. I was told my payment went toward interest and yes I now owe more.

Company response to consumer: Closed
Consumer complaint received 01-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Windham Professionals, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Creditor is attempting to collect a debt that is not owed. The agency states {$4900.00} is owed for a workers compensation policy renewal to XXXX XXXX. A cancellation of this policy was requested several weeks prior to the renewal date. No renewal should have been issued. No bill was ever sent to us. No attempts to contact have been made, until now. This is not a debt that is owed.

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 11-04-2017 about Mortgage (Conventional home mortgage) with DHI MORTGAGE COMPANY (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX XXXX, XXXX, I was looking to purchase a home. I found a home in my price range with the company XXXX. XXXX. The sales agent XXXX XXXX informed me that I had to put down {$2500.00} and since I was going XXXX that I would get my money back at closing. I gave XXXX XXXX the payment on XXXX at that time not one time did it say that my money " non refundable '' or I would not have given that amount of earnest money. On XXXX I met XXXX XXXX to go over the loan process. At that time I told her that I could n't afford an XXXX mortgage and that my earnest money was not to be part of the down payment she told me that she would get with XXXX XXXX about it. I told her that I would get with my realtor XXXX XXXX about the matter. In the coming weeks nothing was mentioned about the matter only about missing paperwork they needed to complete the loan application / process. My closing date was XXXX XXXX, on XXXX XXXX about an 2 hours before my final walk thru XXXX XXXX informed me that I was n't able to get the house but they have another house. XXXX XXXX I viewed the home and told XXXX XXXX that I would buy if the price was right and that I was not paying {$1800.00} that I could not afford that. He called XXXX XXXX from the house and she informed him she had room to work the numbers and it would not be XXXX. On XXXX XXXX I met with XXXX XXXX and again indicated that XXXX I could n't pay when she presented me with a payment of XXXX for a house {$23000.00} cheaper than the first house but my monthly payment would be XXXX in difference from the first house. I received emails for the next couple of weeks to send paperwork to complete the process but I did n't, due to my son becoming ill. I informed XXXX, XXXX, and XXXX that I was not going thru with the purchase due to the fact` that could n't afford the home. I was told that I had to submit a cancellation letter. After I presented the letter about a week later I was contacted by DHI Mortgage asking if I changed my mind on the house. I responded with no then was told " well your earnest money is non-refundable '' and told I have to sign a letter stating that. I have reached out to DHI Mortgage with no reply. since then they have sent me a bill {$420.00} for a appraisal on the second house that I never ask anyone to do, but I am told I must pay..

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 monetary relief
Consumer complaint received 10-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have I submitted XXXX letters to the credit reporting agency asking for verification of account and how the verification as obtained. All letters were sent certified. I am questioning FCRA 611 nd FCRA 609 process. 
To date I have not received any reply to by letters sent certified on XXXX XXXX 2015 and XXXX XXXX 2015 certified. The Credit reporting agency has refused to reply and provided proper documentation for the records I listed in the correspondence and remove the items since not reply was provided. All copies of the letters and certified mail receipts are attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient has been reporting me as 30, 60, 90, 120 days late on my student loan while I am on hardship forebearance. I have the physical paperwork reflecting all of this as well as the e-paperwork. My credit score has gone down XXXX points in the last 30 days because this is the only time I have ever been reported for being late on a payment. It destroyed my plans of buying a car and has costed me who knows how many job opportunities as I 've also been attempting to change career fields. Now I think I know why I mysteriously was having an extremely hard time getting calls and interviews more so than at any time in my entire XXXX years of life. I will take them to court I will blast them on every web site in existance every day if I have to because this is CRIMINAL.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX VA XXXXI never applied for a loan Mod on this loan It has been lien stripped via bankruptcy someone did not get the memo I called and verified you got the bankruptcy paper work but someone keeps sending letters. 

Every time I call to update the account they keep asking me to modify a loan ... I tell them it does not exist and to update the files and they hang up on me. 

Please update your files and delete all trade lines for me they have all been discharged via bankruptcy. 

PLEASE READ THE BANKRUPTCY DOCS FULLY!!!!!!! 

SS # XXXXDOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with U.S. BANCORP (WA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Back in XX/XX/XXXX, I responded to a solicitation from Fidelity to receive a Fidelity Rewards VISA credit card. I was unable to fill out form online as form would not let me use my full legal name, XXXX. XXXX. I finally completed the application via phone, no problem. I received the card in the XX/XX/XXXX-XX/XX/XXXX period. Using the card was no problem. My first two statements came addressed to me : XXXX. XXXX. The third came addressed to XXXX XXXX XXXX. Now, this was my GIVEN NAME at birth but in XX/XX/XXXX I had it legally changed to XXXX. XXXX, the name I had been using for many years ( Superior Ct. Washington , XX/XX/XXXX, # XXXX ). When I received the statement with " XXXX XXXX XXXX '' a called the customer service number listed on the statement. After explaining my story, the gentleman said that he would try to connect me to their fraud division. The fraud division REFUSED to speak to me! I contacted the Washing State Attorney General and filed a complaint with them. After some correspondence with them I received a letter from ELAN Cardmember Service, Office of the President, XXXX. XXXX XXXX, XXXX, ND, XXXX, telling me that they did a background check on me ( assume SSN ) and that I was XXXX XXXX XXXX. I responded through the AG that the info ELAN had obtained was NOT accurate and I wanted to know from whence the info came so I could correct the source. The answer : " proprietary in nature '' and would not share with me the agency from whom the bad information came. Translated, TOUGH COOKIES! 'We know who you are ' and that 's it! Ironically, I had opened an account in conjunction with this credit card with Fidelity, the institution with which I thought I was dealing, in my full LEGAL name, XXXX. XXXX. I have several other accounts with them, also. Here 's the problem : ELAN ( whoever they are ) arbitrarily changed my legal name to another name without contacting me. They depended on inaccurate, untimely information from an unknown ( to me ) source. Their intransigence, after being contacted by the WA AG 's office shows that they need to  revise their procedures in order tthat this not happen again, to anyone. They, I believe, do NOT have the right to change anyone 's name without direct contact with that person to verify the information. Documents that were submitted through the AG 's office : current U.S. Passport, redacted, Washington state Drivers License, redacted. Copy of certified copy of Court Order of Name Change

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 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
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 applied for a Capital One Venture Card and as I received the card in the mail I was surprised to see that my credit score that they pulled from XXXX showing a XXXX as I previously saw it at XXXX. I pull all three scores just to do my own due diligence and noticed that all three show in the XXXX. I call Capital One about the situation and advise me to contact XXXX and to dispute it. I contact XXXX and they advise me Banks are the ones who decide what score they give you that XXXX only gives them you Annual Reporting and that XXXX  doesnt provide an actual score to the banks they have their own system of doing so and to dispute it with the Capital One. I call Capital One back and tell them of my situation and what XXXX has told me. Capital One was quick to say that they pulled my score from XXXX  and that they also look at my other credit score and that could also be what happened. I advised them they pulled my credit score from XXXX and I told them that I also pulled all three credit scores and my credit has never been that low. They advised if they want me to show proof of the score I can but that they will not reduce my APR as Capital One also gave me the highest APR because of the XXXX that I was given. They will only reduce the APR if they do another pull.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft I am a victim of stolen identity and fraudulent accounts open in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX dealer svcs XXXX Stolen amount 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 12-01-2016 about Debt collection (I do not know) with Lannister Law Corporation (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Ongoing debt collection, has not indentified original, creditor or debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit card () with BARCLAYS BANK DELAWARE (NE).
Issue: Other fee

Complaint: After calling and confirming that Barclays was waving fees for military members, I applied and was approved for the Luxury Gold Card. Shortly after I recieved a statement from Barclay 's confirming my annual fee would be waived along with a reduction in my apr to 0 %. One year later, Barclay 's has come out saying this will no longer be the case, and that I will be responsible for the annual fee of the card going forward. They are claiming that the waivers are being rescinded because they have a new interpretation of the SCRA. While their new assessment is correct, it does n't change the fact that I applied for the card and accepted the credit score implications only after being told that the conditions would remain the same " as long as I remained on   XXXX   XXXX  . '' I have been and will continue to be on   XXXX   XXXX   for the foreseeable future. As I am continuing to meet my obligation under the original terms, I would ask that Barclay 's honor their original agreement with 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 08/28/2017 about Debt collection (Medical debt) with ONLINE Information Services, Inc. (NJ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: on X/XX/2017 a representtive from online collections grvl spoke to someone other then my self at XXXX XXXX. 
i did not authorize they speak to anyone other then me. 
the woman on the phone allegdly gave information pertaining to a image conslulting comna that specilazes in XXXX 

i did not want this information to told to anyone, this is HIPPA! PRIVACY ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: PLEASE REMOVE XXXX XXXX SS # XXXX OFF ACCT XXXX OFF MY ACCT AS WELL OFF HIS CREDIT REPORT.

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