milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a letter in the mail from Macys saying that a credit card that I have has added an authorized buyer. I do not have a credit card with Macys and the number on the letter was a recording asking me first for my account number which I do n't have and then my SS number, then it says account can not be found and the phone hangs up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with U.S. BANCORP (DC).
Issue: Transaction issue

Complaint: US Bank decided to close my credit cards in retaliation for filing a complaint against them. 
They are now stealing money as they havent credited payments to my accounts. 
They assigned new account numbers and am trying to make payments. 
They have stolen over XXXX and it needs to be credited to my accounts. 
THIS IS THEFT.

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 03-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian sent me a reply saying that XXXX may not be able to contact me to discuss the matter, Contact the creditor directly. Firstly I have already contated XXXX twice ( hve the certified receipts to prove so but there was no response from them. Secondly according the the FCRA if a Credit bureau is requesting validation from an Original creditor all documentation from the ID theft victim ( ID Theft Report Drivers Lisc. PHONE # etc. ) must be sent to the original creditor so they may complete a fair and exact investigation XXXX would therefore have plenty of information to contact me. Also according to the FCRA if I request Experian 's investigation process they must do within 15 days of my request I did so and I have the Certified letter receipt letter to prove it. The Account in question is XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX : Acct. XXXX Acct : 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 11/16/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other transaction issues

Complaint: I purchased a number of items via Paypal on eBay. I asked that my credit card be charged. Instead and without my authorization, Paypal debited my bank account in which there were insufficient funds. Paypal via " XXXX '' it 's supervisor, admitted that they did this intentionally against my instructions but refused to credit me for the overdraft charges on my bank account or to remove my bank account from my Paypal account. Paypal also promised to send me an email admitting that this was completely their fault but never sent it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2015 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Using a debit or ATM card

Complaint: TO START WITH I AM ON LIMITED INCOME DISABILITY AND I SAVED UP 4 MONTHS TO DO THIS IN TOWN TRIP.  I PLANNED EVERYTHING OUT HOW MUCH I WAS TO SPEND WITH MY DEBIT CARD AND THE REST WOULD BE CASH.  I LIVE IN XXXX, NV AND WENT TO THE XXXX FOR AN OVER NIGHT STAY ON XXXX.  THE MAIN THINGS I WANTED TO DO WAS XXXX AT XXXX AND THE XXXX DOWNTOWN.  I BOOKED A ROOM AT THE DOWNTOWNER HOTEL BECAUSE OF PRICE AND ITS LOCATION TO THE ZIP LINE SINCE MY RIDE TIME WAS XXXX MONDAY XXXX.  I CALLED THE HOTEL AND LET THEM KNOW I WOULDN'T BE THERE TILL AFTER XXXX.  WHAT I CHECKED IN THERE WAS A NEW GIRL WORKING THE OVER NIGHT SHIFT AND IT WAS HER FIRST TIME DOING A SPLIT PAYMENT.  I HAD HER PUT XXXX ON MY BANK CARD THE I PAID CASH FOR THE XXXX DEPOSIT AND THE XXXX SERVICE FEE.  WHEN I CHECKED OUT I GOT MY XXXX BACK THEN THE NEXT MORNING I TOOK XXXX OUT AT THE BANK AND IT SAID I ONLY HAD A LITTLE OVER XXXX LEFT.  I WENT HOME PULLED UP MY ACCOUNT AND SAW XXXX CHARGES FROM THE XXXX ONE WAS XXXX WHICH WAS RIGHT THEN XXXX WHICH SHOULDN'T OF BEEN THERE.  I CALLED THE BANK AND   I TRIED TO GET HELP STOPPING THE EXTRA CHARGE THEY SAID I HAD TO TALK TO THE HOTEL.  THE ONLY THING I GOT FROM THEM WAS THAT THE GIRL ON THE NEXT SHIFT DIDN'T THINK THE NEW GIRL CHARGED ME.  WHILE DOING ALL OF THIS I GOT XXXX OVER DRAFT CHARGES XXXX EACH.  I CALLED THE BANK AGAIN AND TALKED TO THEM ABOUT THE OVER DRAFTS AND ABOUT HOW I PLANED EVERYTHING AND THAT'S WHEN I WAS TOLD IT WAS BECAUSE OF THE XXXX CHARGE BY THE HOTEL  WAS TOLD THAT SINCE IT WASN'T THEIR MISTAKE OR MY MISTAKE THERE WAS NOTHING THE WOULD DO AND I WOULD HAVE TO GET THE HOTEL TO GIVE ME THE MONEY BACK.  I WENT TO THE BACK BY MY HOUSE AND THEY TOLD ME MY HOME BANK COULD REVERS THE CHARGE SO WENT THERE AND WAS TOLD THEY COULDN'T DO ANYTHING AND SAID THAT XXXX PUT IN MY ACCOUNT IF THE XXXX WAS RETURNED THE THE OVER DRAFTS WOULD ALSO BEEN RETURNED.  I TALK TO ANOTHER BANK ABOUT WHAT HAPPEN AND THEY SAID SINCE I REPORTED THE NEXT MORNING MY BANK SHOULD OF DONE SOMETHING AND I SHOULDN'T OF GOTTEN THE OVER DRAFTS.  SO I BORROWED MONEY FROM A COUPLE FRIENDS TO PUT XXXX IN THE BANK SO I WOULDN'T GET ANY MORE FEES AND STILL CANT PAY THAT BACK.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX XXXX Bank and XXXX XXXX Bank. The following court document is fraudulent as well : XXXX XXXX XXXX XXXX : XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX 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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 ( " Student Loans '' ) has wrongfully and illegally via violation of the Fair Debt Collection Practices Act reported duplicate accounts ( it should only have been reported once ). They are exactly the same ( with the same creditor ), but reported twice. This is severely harming my credit score. I had complained and filed a report and requested an investigation with all credit bureaus, but to no avail. They did not rectify the problem at all. The " duplicate report '' was filed as a charge off starting XXXX of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... 
XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it XXXX XXXX XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Taking out the loan or lease

Complaint: In XXXX, I obtained a copy of my credit report from the XXXX Credit Bureaus, I reviewed my account for accuracy and noticed an account from Santander that I did not recognize. I sent a certified letter on XXXX XXXX, 2016 for which they signed for on XXXX XXXX, 2016. In the letter I requested proof bearing my signature. I have been traveling for the last month so I am not sure if Santander has responded to my request, however based on the FCRA once a consumer requests records it is the responsibility of of the Creditor to send notice to the credit bureaus that consumer is disputing the debt within 30 days. I have obtained copies of my credit reports and Santander has not updated my credit reports and have violated the FCRA and violated my rights. I do not owe this debt nor do I know what it is. Since they have not updated my report, legally they must remove this alleged debt from all XXXX credit reports. I do have evidence of this and have attached my reports. I will also be filing a small claims suite based on their response to my complaint. 

Please see attached for reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (I do not know) with Carter-Young, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this account many times with XXXX the credit agencies and with Carter Young. The credit agencies stated that Carter Young verified that this account belong to me. I yet to see my signature on any documentation. I was a victim of identity theft. My purse was stolen and some credit cards was fraudulently use. I have notified both the credit agencies and Carter Young and this account is still reporting on my file. They both are in violation of the FCRA in reporting items that do not belong to me. I need your assistance in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (I do not know) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Linebarger, Grogan, Blair, Sampson LLP ( Linebarger ) has attempted to contact someone ( an " Individual '' ) at my address by US mail and by phone at the landline number associated with this same address since XXXX XXXX ; this person 's name is clearly spelled and specified as per the attached PDF and Windows Media Audio Files, respectively. 
In XXXX XXXX as the result of other mail and robocalls for the same Individual sought by Linebarger I filed an FTC Identity Theft Victims ' Complaint and Affidavit and used it to file a Report with the XXXX County Sheriff 's Office in XXXX XXXX against this same Individual. 
XXXX/XXXX/XXXX : Received an un-postmarked Presorted First Class Mail letter at my address sent by Linebarger to this Individual. 
XXXX/XXXX/XXXX : As a result of the letter sent to my address for this Individual by Linebarger I called the XXXX XXXX and opened a case. 
XXXX/XXXX/XXXX : As per instructions from the Postal Inspector I returned the envelope received XXXX/XXXX/XXXX UNOPENED marked w/ '' Does Not Reside at this Address Return to Sender '' to the US Post Office Annex in XXXX , TX to be returned to Linebarger . 
XXXX/XXXX/XXXX : I received a Presorted First Class Mail letter from Linebarger at Zip Code XXXX postmarked XXXX/XXXX/XXXX for the same Individual. I followed up with the Postal Inspector. 
XXXX/XXXX/XXXX : I returned the envelope received XXXX/XXXX/XXXX UNOPENED marked w/ '' Does Not Reside at this Address Return to Sender '' to the US Post Office Annex in XXXX , TX to be returned to Linebarger . 
Prior to returning both letters I scanned the UNOPENED envelopes as evidence as per the attached PDF file. 
XXXX/XXXX/XXXX, XXXX and XXXX/XXXX/XXXX XXXX : Linebarger robocalled my home phone with messages for this same Individual. 
These messages are attached ; the second is truncated because the answering machine ran out of recording time. Linebarger does provide an Option in the event that the call is live answered such that " If we can not reach ( Individual sought by Linebarger ) at this number press 7 and we will remove this number from our records. ''

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Trouble during payment process

Complaint: To Whom It  May  Concern  : 1 . My escrow account is incorrect.  Ocwen 's Escrow Account Disclosure form  dated   XXXX   XXXX   XXXX  , indicates a negative escrow of {$5100.00} which is incorrect. I made all required escrow payments and ye  t Ocwen  now indicates a huge shortfall. Ocwen continues to improperly raise my escrow payment.
2. My principal balance is incorrect. Ocwen has committed multiple modification fraud on my account adding exaggerated arrears and illegal fees fees to my account - including multiple foreclosure fees, repeated inspection fees and ongoing attorney fees.
3. Ocwen violated the Fair Debt Collection practices act by greatly exagg  erating my arrears and then later changed their records in  XXXX  and then again in  XXXX .     Please ask Ocwen to correct my escrow and principal balance on my mortgage account. I would also like to mention the great personal cost of living with the fraud committed by   Ocwen  against me and my family.
Previous Complaint C  FPB # :  XXXX  was not corrected b y Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: Keeps charging me interest payments even though last bill was paid in full

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 09/24/2015 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (NM).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: HRRG called me approximately 6 or 7 weeks ago to collect a debt that I apparently owed to XXXX XXXX XXXX in XXXX of 2015. When I called XXXX they stated that they do not work with HRRG as a debt collection agency and that I did not owe them any money. I called HRRG back and requested that they mail me a bill so that I can see the original creditor because the lady on the phone told me that she can not give that information out. After I gave her my address she stated that she would have to note on my account that I refused to pay at that time. After receiving the bill via U.S. mail, I called them because there is still not enough information regarding who I owe and once more I was told that client information is private, and I told her that I would not be able to pay it unless I knew who I was paying. She got an attitude and firmly told me that it was only {$29.00} and that I am required to pay it. Once more I asked who I owed and she stated that it was just a physician, but she could not tell me who. Then she threatened to send it to my credit and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Other debt) with FIRST HERITAGE CREDIT LLC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call my personal cell phone XXXX or more times a day. They call my job and leave embarrassing messages with my coworker. They call my husband 's cell phone twice a week or more and today XXXX/XXXX/XXXX they called my husband 's job. This has been ongoing since XXXX. I have asked them to stop calling my friends and family and they wo n't stop. It is always this lady named XXXX who crosses the line.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I refinance home mortgage with Wellsfargo locked rate of 3.75 % 15 years. Within 2 weeks before it closed, Wellsfargo raise interest rate to 4.00 %. Wellsfargo is bake and switch. I am demanding Wellsfargo honor interest rate that both parties agreed on 3.75 %. I will provide documents pertains to my refinance. 

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

Complaint: I received a letter dated XXXX XXXX, 2017 that stated I could not be provided with loan options based on credit information on a TransUnion LLC credit report. I sent a letter within 2 weeks to TransUnion clearly asking for a copy of my report based on this, and received a letter dated XXXX XXXX,2017, that " Explanation of the inquiries on Your Credit Report '' with only a paragraph about it. Not only is it confusing, I still have n't received my credit report. Besides general information, the only contact recourse is via mail, which is far from XXXX XXXX advancements. I still would like a credit report from this agency that I requested within the appropriate 60 days.

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 10/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: XXXX/XXXX/XXXX, I went to the Texas state fair and talked to a representative of XXXX Firm about the promotional display they had. He asked if he could run my credit to see what types of product I qualified for which I agreed to, but he never asked if I wanted a credit card, and the form I filled out was not an application for a card, just authorization to pull my credit. I ended up not purchasing a mattress, and thought that was the end of it. 
On XXXX/XXXX/XXXX, I received a credit card with a {$14000.00} limit from Synchrony Bank, that could be used with a few select vendors, including XXXX Firm. On XXXX/XXXX/XXXX I called Synchrony bank, and they advised they could close the account, but that they would not be able to respond to my complaint about the fraudulent opening of the account, and that they could not remove any credit reporting impact caused by opening and closing account in a short period of time. 
I need assistance in getting this off my record, and some action taken against XXXX XXXX Bank for the deceitful and railroading practices they employ in extending credit.

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 Student loan (Federal student loan servicing) with Fedloan Help (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have student loans totaling about XXXX dollars that were all consolidated back in XXXX with XXXX at a great rate of 1.75 and I would be paying like XXXX a month for like 23 years. I was fine with it and paying monthly for 7 years. 
Then, I was contacted by FEDLOANHELP.ORG ( CROOKS ) to consolidate loan under a new federal program that would basically mean I pay the same amount but only for ten years. It was a plan for Obama to get all Americans out of XXXX debt in ten years for those who qualified. I recently got destroyed in business and was happy to hear about this and said sign me up. They took my tax info, pay stubs, verified who I was and what I owed and then came back with approval. They took over payments seamlessly and for all of XXXX I thought I was in the program paying monthly as usual. Then, I got a letter from XXXX saying my deferment period is over and I need to start paying. I contacted fedloanhelp to verify what I was paying and they said a computer issue put me in program but did not pay off my old debt and now I can not be part of the program. I contacted XXXX and they gave me a new rate based on where rates are now which 5.375 about 3.5 points higher than I previously had. Then, I was owed a refund from FEDLOANHELP on all funds paid but then after 30 days they said lack of funds be another XXXX. Then, after XXXX more they are saying bankrupt now. However, if call they are still pretending to be working and taking new clients. Now, I am back to my old XXXX loan year later with a new higher rate and everything I paid last year was stolen and not towards any loan of mine. They do not call or email me back on anything. The Thieves working as normal people are listed below but this is who I left off with XXXX XXXX who sounds legitimate on phone and tricked me completely in to waiting 60 more days while they continue to rip people off. XXXXXXXXXXXX Please make sure they are shut down so no one else sends money to these organized crooks

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (HI).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I never agreed to change from paper statements to on line statements. I am not computer savvy. American Express made the change. I have called numerous times to change it back and each time assured it would be done and it was not done. On Saturday XX/XX/XXXX I called again. This time I was told my interest rate was in " penalty '' status since XX/XX/XXXX and the penalty is double my rate from 14 % to 28 %. I received no notice. Had I gotten my paper statement I would have known. The penalty was because 1-2 day late on occasion due to mailing as I am in Hawaii resulting in thousands of dollars over the 1 year period due to my balance that I thought was in a 14 % interest. I stayed on the phone two hours and was hung up on. On XX/XX/XXXX spoke to a supervisor who refused to give her name and told me I " case '' would be open someone will call me in 24 hours. XX/XX/XXXX I called back at XXXX and spoke to someone else who had no record of my call or a " case '' she put me on hold and said after I explained what I was told, oh only supervisors can see.. she then puts me in hold comes back and says 1 ) she has only the gender of the supervisor no name 2 ) someone will call me back in 24 hours. It is now XX/XX/XXXX I received no call or email except to tell me I can get statements " on line '' this email looks automated. I checked Amex website and found that any change in interest rate must occur after notice is given and that did not occur. Also that if I 'm late a late fee if {$27.00} is assessed not a doubling of my interest rate. 

Please help me.

Company response to consumer: Closed with non-monetary relief