milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I make my monthly mortgage payment online to US Bank every month. I just noticed that this month, they are now charging {$5.00} for online processing fee. They never even send a notification to make me aware of this change. So now I plan on sending my payment in via regular mail, but I had been receiving paperless statements via email, so I do n't have the physical printout of the pay stub to send in nor the envelope. And if I had noticed this one day before the payment cutoff date, they would have received my payment late and charged me interest!

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 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Hi. 
I applied to EXPERIAN ONE TIME CREDIT REPORT a month ago and I 'm trying to cancel ever since, Since I could n't they started charging me XXXX $ monthly. I wrote an email on XXXX XXXX to cancel it and never got a response. 
I do n't want the service, but I ca n't cancel it. Today is the 25th time I call in separate consecutive days, and they keep me waiting for more that 16:41 min, even though the answering machine says to wait between 3 to 5 min.

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 08/31/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have XXXX credit inquires on my credit in which I did not authorize : Equifax 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 XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: Capital One Auto agreed to settle a auto loan with me and agreed to have the account removed in settlement and that I would have any late payments reported as long as I fulfilled the agreement which I did but they did n't honor the agreement fully and reported late payments on my credit report with XXXX & XXXX but deleted the account from my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX I took out a 30 year mortgage with HSBC at 5.875 %. Subsequently the market crashed and the condo price has decreased and thus I am upside down even at today 's ( XXXX ) market value. I had contacted HSBC in XXXX and did so now and the answer remains that same that since the loan is not backed by XXXX/FHA hence there is no recourse for me to use XXXX HAMP. While almost every of my neighbours have used XXXX to their advantage I am still stuck at the higher rate and PMI. Luckily I do not have problem in making the making the loan payment but I would like to take advantage of a lower rate as available for ordinary consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Purchased furniture at XXXX 's in XXXX CA, applied and received credit on a Brandsource CC for XXXX 's. XXXX XXXX 's cash for amount above XXXX. Used card for XXXX balance for interest free promotion. Within less than a month XXXX doubled my balance to max card out at XXXX. Many attempts made to resolve problem with XXXX 's and XXXX. Took 2 months to get the charge off. In the meantime, XXXX had turned in maxed out card balance to credit bureaus that dropped my credit scores after stating they would n't do that. 

Now getting letters from XXXX security at their company that they intend to reinstate that fraudulent double charge again. One letter made on 1XX/XX/XXXXand another on XX/XX/XXXX, both from XXXX Credit Card Security. I have saved these letters and have sent a message to the effect of starting legal action if they do just that. 

I also had called Citibank, my own place of banking, and asked if they could intervene on my behalf to help me since the XXXX card is issued by Citibank. They would not help.

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 08/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have contacted Equifax by phone regarding my credit report im unable to get my report or score from XXXX XXXX or any other credit monitoring service. This is not the first time and its just an on going issue with my equifax credit report. They have fixed it before and it has happened again where all my credit accounts have vanished from my report. Its impacting my lifestyle and my credit worthiness to creditors. Every time I have contacted them they tell me all is fine on their end and I do have an actual file with them how ever nothing is reporting when I pull my report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Debt collection (Payday loan) with Debt Management Partners LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to Debt Management Partners on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact Debt Management Partners at XXXX or 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 05-11-2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, XXXX I received a letter from Fifth Third Bank ( 5/3 ) stating ''a merchant security breach that may have compromise your debit card '' a new card is being issued, activate immediately & destroy old card. I activated the new card on/around XXXX XXXX, XXXX & destroyed the old card. I made a purchase WITH the new card on XXXX XXXX. On XXXX XXXX, XXXX I received a text ( & email ) regarding 'suspicious activity ' at XXXX Central Time. I responded & spoke with FRAUD department. XXXX fraudulent transactions are pending. XXXX transaction on XXXX/XXXX/XXXX & XXXX transactions on XXXX/XXXX/XXXX. Through further investigation I have been told that there are XXXX open cards on this account. I have NEVER requested MORE than ONE active card on this account! I requested a replacement card & to block all transactions on the card I believed to be compromised after 'suspicious activity ' ( XXXX XXXX? ) that I had seen on the account & have letterhead from the 5/3 ( came with the card used in the fraud ) stating " For your protection your current card will be deactivated upon activating your new card ''. I have been informed by 5/3 a 'supervisor ', CS XXXX XXXX , & Fraud XXXX ' that I am responsible for deactivating EACH card EVER issued to me. The 5/3 'supervisor ' stated the card 5/3 was notifying me about ( XXXX/XXXX/XXXX ) was a different card than the XXXX that was used for TODAY 'S FRAUD. I do NOT understand how MULTIPLE CARDS can remain ACTIVE when I applied for & have maintained, in good faith & standing XXXX CARD on XXXX debit/checking ACCOUNT! I immediately requested ALL open cards ( save the JUST activated ) be CLOSED. I have been told this has been done by the 'supervisor. ' I believe 5/3 CREATED this BREACH by permitting multiple cards to be active WITHOUT my explicit consent to have MULTIPLE cards ACTIVE on my SOLELY OWNED/PRIVATE account. I was engaged in a TRUST between me & Fifth Third Bank that 5/3 would manage my banking transactions. Having multiple cards ACTIVE without my written consent is a BREACH of my TRUST in their ability to professionally manage my transactions. This has created a HUGE problem for me by tying up funds that I had PLANS to use on XXXX XXXX as it will take UP TO XXXX -7 Business days for the fraud transactions to be assessed. Had ALL other cards been deactivated as the paperwork that came with the card used in the fraud stated ( old card will be deactivated ) - the previous letter of concern would have been unnecessary & the current fraud claims would never have occurred. Those charges would have immediately been declined on a 'dead ' card. This has, additionally, dropped my account BELOW minimum balance requirements which may result in BANK FEES that could be assessed against my account. Thus marring my 'in good standing ' with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear CFPB, XXXX XXXX XXXX, XXXX, XXXX, Exoerian. I have submitted theft /fraud affidavit to each of you as well as police report. Back in XX/XX/XXXX someone stole my identity that lived in XXXX XXXX Nevada. Until this day I am trying to regain my ctedit back. I noticed the XXXX loan on my credit report. Now I actually thought this was from XXXX XXXX where I purchase my vehicle. I am requesting more information on this " online loan ". Who get a online XXXX loan? Sounds fishy .well it was n't me. I believe my son girlfriend who moved in with us in XX/XX/XXXX open this account up in my name. I trusted her like a daughter she ran errands where I gave her my debit card. She paid bills. She is the only person that could have open this fraudulent account in my name. I plan on pressing charges and prosecuting her to the fullest extent. I am requesting any and all information provided to XXXX XXXX be mailed to me. I am asking XXXX XXXX to review my police reports and see I am indeed a victim of identity theft. There was a auto loan, and 3 personal loans in my name in the state of Nevada. Now there is another loan. With XXXX. I am asking a FULL and thorough investigation and i am asking for a full removal from my credit file. I will mail all supporting documents to XXXX XXXX XXXX XXXX To all 3 credit bureaus this is again FRAUD and I am requesting immediately removal after investigation. There is a fraud affidavit and police report already on file with each bureau please investigate this matter thoroughly. What I have gathered from XXXX search is that XXXX XXXX operate online. How was someone able to obtain this online loan in a different state. From Georgia? I plan on hiring a Attorney if this matter is n't remove from my credit file because it was n't 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 non-monetary relief
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX and Experian refuse to place fraud alerts on my credit bureau accounts and freeze all inquirees and attempts to gain credit. I had alerts on all 3 to freeze my reports and apparently someone figured out a way to ignore that. 

Today I received word that there have been fraudulent attempts to apply for credit in my name at both XXXX and Experian. 

I received notices from both XXXX XXXX and https : //opm.gov/cybersecurity that my identity was being compromised. I called one of the banks listed on the XXXX and found it was XXXX. I talked to XXXX in the XXXX fraud department reference number XXXX. They had a hard inquiry that someone attempted in my name. They deleted the record and reported the fraud to XXXX They said they would send me a letter and that I should hear from XXXX in 30 to 60 days. XXXX refuses to take my calls and refuses to authenticate me online! 

Today XXXX notified me of 2 fraud attempts to gain credit on Experian. Same problem contacting them. info below : -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Company XXXX Not sure what this is? Contact XXXX -- -- -- -- -- - XXXX obtained a copy of your EXPERIAN Credit Report. 

New Inquiry Alerts notify you when a company has viewed a copy of your credit report as a result of a loan or credit application. 

Alert Date XXXX/XXXX/XXXX Source EXPERIAN Phone BYMAILONLY Address XXXX XXXX XXXX XXXX, OH XXXX Company XXXX Not sure what this is? Contact XXXX Please make all three credit bureaus ock my reports for 7 years! OPM notified me over a year ago that they had compromised military and civilian data to include mine. Clearly I am now a Identity Theft Victim.

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 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Consumer Collection Management. Inc (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: CONSUMER COLLECTION MANAGEMENT continues to report derogatory information to my credit report on an account that has been paid in full with the original creditor. I have requested this company to stop their attempts however, they continue to report false information. 
XXXX is the original creditor

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Contacted equifax to remove XXXX reported twice on report and inaccurate amount

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Student loan (Non-federal student loan) with Lazega & Johanson LLC (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Being sued as a cosigner for my sons loan to attend XXXX XXXX XXXX University in 1995 by a Debt Collector ( Law firm ) which specializes in obtaining loans written off by a private lender and still attempts to collect on said loan for their own individual profit purposes in addition to attempting to also collect an excessive amount of interest. This law firm is operating as a debt collection agency not specifically hired by the original lender but instead employs " fishing tactics '' on credit bureau reports in an attempt to gain individual profit. I was not sued by the original lender XXXX XXXX XXXX who had this loan guaranteed by the Federal Agency responsible nor by any Federal entity but instead by this particular debt collection company. I an unable to afford an attorney to represent my interests nor am I able to obtain the necessary documents to fairly contest the numerous an excessive amount of legal motions being directed against me in an attempt to intimidate me into paying as a cosigner for my sons student loan. I strongly feel that as a XXXX XXXX I am at a distinct legal disadvantage in this matter. I also believe that this debt collection agency has unfairly obtained the rights to purse me for repayment for the loan in question. Please provide me with assistance in any way or form legally permissible. When I attempted to make arrangements to repay this loan I was informed that the interest alone would be XXXX the amount of the original loan repayment and that even XXXX per month would not reduce the amount of principle involved. I am concerned the debt collection agency Law Firm involved will attempt to get a summary judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (I do not know) with ProCollect, Inc (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company Pro Collect has been calling my # for over a year daily sometimes XXXX times. I 've spoken with them XXXX times to explain I am not XXXX XXXX I do n't know her. They continue to call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Mortgage (Other mortgage) with Julem Capital Corp (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I am submitting this complaint due to the deceptive businesses practices of the companies Julem Capital Corp, XXXX XXXX and XXXX XXXX. I sought assistance with a foreclosure bailout and I was led to believe that they would assist me with a short term interest only loan and then roll the loan over into a lower fixed rate loan for 4-6 % percent when I was ready to refinance. The Attorney 's General Office and the XXXX DA 's Office suggested that I also file a complaint with your division due to the predatory lending nature of the situation. The three companies colluded with the intent to take the property. They gave me the loan in hopes that I would fail so that they could steal the equity in the property. I also believe that I was targeted due to my pressing matter to avoid foreclosure, my divorce settlement as well as the fact that I am a XXXX women who was deemed highly desperate for a bailout. Foreclosure action has been filed by XXXX XXXX XXXX of Julem Capital Corp in XXXX, New York. 
XXXX XXXX believes the best recourse is to TAKE MY PROPERTY instead of doing a greater good by working out a modification to resolve the matter. Hence, the foreclosure action against me. This is what XXXX XXXX, Julem Capital Corp and XXXX XXXX planned all along. Yet XXXX XXXX claimed that he was one of the good guys and he eluded to the fact that XXXX XXXX and XXXX XXXX were the bad guys when he called me in XXXX 2016 to tell me he was the investor with a lien on the property. XXXX XXXX never had any intentions of helping me be whole again by rolling it over to a better loan for me. He was like a crouching tiger waiting to pounce as soon as I made one wrong move. He met me at the property in XXXX 2016 deceptively pretending to be a staff member of XXXX and XXXX XXXX. Later I learned he provided the financing. The way he has treated me since we first met in XXXX 2016 is as if I should not have such a property. He will deny that he said that he would help me get a lower rate. I needed help and the three companies used it to their advantage in a way that benefited all of them with concern about my well being whatsoever. It was false pretense and bait and switch from the onset. I am fully persuaded that I was as well as my property was targeted intentionally. I am unlike their other investors or hard money borrowers or the type of individuals they usually deal with. I was considered easy prey in my estimation of the circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The automated dialer calls my phone several times through out the day. Every day. Even though I have payment arrangements with the local branch. I have asked for this to stop and it has not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am XXXX, I was XXXX on the date of a first time doctor appointment. This greedy doctor has tried to charge me {$120.00} " no show '' fee. I 'm on medicare and there is no reason a repuptial professional should be alowed to charge a fee of this magnitude to a potential new patient. Then report that ill person as delinquent to credit bureaus, putting a black mark on there report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In XXXX XXXX, an individual fraudulently accessed my Macy 's credit card account ( Department Stores National Bank ), ordered a new card to their address, and subsequently charged approximately {$1100.00} in goods, which, since my account was set up to auto-pay the bills, was drawn from my checking account as a payment. This occurred a second time before I detected the issue, for a total of approximately {$2300.00} in fraudulent charges. After several weeks of waiting, Macy 's ( DSNB ) refunded these charges. On XXXX XXXX, XXXX, Macy 's ( DSNB ) again stole {$1100.00} from my bank account, and is not providing any explanation for why they have stolen these funds from my bank account. They have restricted my account so that I can not turn off the auto-pay feature, nor see any activity.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my XXXX Credit Report it shows an account with Capital One Auto Finance in XXXX TX. Because this was not actually my debt, it was my oldest daughter, who hoodwinked me into being primary on her account when I thought I was just co-signer. I was not paying the loan. The entire payment history on this account is bad and eventually they repossessed the car from her. Regardless off all of that as I was reading today I understand it is better to have an account status of PAID-CHARGED OFF than to just say CHARGED OFF. In this particular accounts Comments it says : Account paid for less than full balance Paid charge off Contact CAPITAL ONE AUTO FINANCE XXXX, XXXX XXXX But the account STATUS is just listed as CHARGED OFF at the top of the account summary. Should n't it say PAID-CHARGED OFF, since she did settle with the car company and not a collection agency?

Company response to consumer: Closed with explanation