milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I am asking for some help here, please! My life has been very difficult and US Bank is making it harder for me. I had all of my credit cards stolen recently and I have spent weeks disputing transactions and trying to get new cards mailed to me and in the process I signed up to monitor my credit and I was so shocked to find that US Bank was showing me as 30 days late for XXXX of XXXX. I had resolved this issue that same month when I called and told them that I had never received my bill/statement and a new one was sent out to me. I noticed a few weeks later that they had notified all 3 credit reporting agencies that I was late 30 days, yet they had assured me I was not and apologized for my lost/stolen statement. I called them and spoke to a XXXX who saw that I had an issue receiving my statements and he said to me that the 30 day late would be removed. I asked them to send me a letter confirming this and they did, but unfortunately since this was years ago and my work briefcase along with my personal bags were stolen from my car XXXX no longer have this letter. Why was this information not updated like they said it would be in XXXX? this is so damaging to my life and my financial business and yet they had assured me that this would not be on my records or held against me. I am so frustrated and saddened that nothing was done and here I am 3 years later stressing this ridiculous issue again while I am making trips to the courthouse to prosecute the thieves that took off with my briefcase and credit cards. 

I wrote them a VERY kind letter, which I have attached here so that the CFPB can see the issue at hand as well, and they DENIED me so coldly and without ANY sort of explanation investigation. The letter explains NOTHING and only confirms whatever they want it to confirm.It is apparent to me that they do n't want to change anything because they do n't want to be wrong. but they are reporting this inaccurately. they said one thing and have done nothing. No phone call is transcribed here which would explain everything form XXXX and no managers name are shown here either to show whom I spoke to initially. I formally request that letter again, I know that they have it on file because they sent it to me, so it should still be there and noted that my calls were made. It would be unprofessional for them to deny me this. I was NEVER late! PLEASE 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 non-monetary relief
Consumer complaint received 02/13/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Billing disputes

Complaint: Bank of America issued me a new credit card because my account number was compromised in a data breach. I received the new card and began using it around XX/XX/XXXX, authorizing payments from my checking account on time through the online bill pay feature on Bank of America 's website. In XX/XX/XXXX ( several months after I received the new card ) I went to the Bank of America website and authorized automatic payments from the same checking account for the full amount of each credit card bill since I was going to be traveling and did not want to miss a payment. For some reason Bank of America did not withdraw the funds to pay the bill in XX/XX/XXXX and XX/XX/XXXX as it should have with the automatic payment setup. Instead, Bank of American reported to the credit bureaus that I was overdue on on my payment, reduced the line of credit on the card significantly, and closed a separate credit card account. Upon later speaking to a Bank of America representative, it became clear that the bank had not updated its online bill pay system with the new card number that it had issued to me several months earlier. Apparently, because Bank of America associated the account with the inactive card number, it withdrew {$0.00} each month even though I had used the card. As of XX/XX/XXXX, the Bank of America bill pay system still reflected the old card number ( a screenshot of the bill pay website showing the old card number associated with the account is attached to this complaint ) even though it was inactive and the new card was active and being used. As a result of Bank of America 's error in not updating its online bill pay system to associate my account with the new card that it had issued to me because of a data breach, it reported that my card was not paid on time to the credit bureaus. Upon learning that the card was not paid via the automatic payment, I immediately made payment over the phone from my checking account. In acknowledging the error on its part, Bank of America refunded the interest charge it had put on the account. Unfortunately, Bank of America refuses to remove the derogatory credit marks on my 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
Consumer complaint received 03-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: There are so many issues to complain about from FedLoan claiming it did n't receive my paperwork, to not crediting my account appropriately and claiming I did n't pay when I did ( thank XXXX for my bank records ), to once claiming I did n't submit my IBR paperwork in time to be processed, although it 's on record with them and electronically that it was ( they just failed to get to it in time ). All of this has resulted in a TREMENDOUS amount of added interest to my account to the tune of XXXX of dollars. I 've never been late on a payment, and they make it incredibly difficult to renew my IBR! It 's a game they play in order to get more money from people! In my latest struggle with them, they simply wo n't acknowledge that I have had a change in family income and family size. They told me it would be " at least 90 days because they are backlogged ... they are receiving hundreds of complaints daily ... my application keep gets pushed back because every time someone complain they get pushed up and my paperwork gets pushed down the pile ... '' I CA N'T AFFORD to pay for their incompetence!!! 
I honestly do n't know how this organization can be supported by the United States Gov. It 's horrific to think of how many thousands of dollars in interest I 'm responsible for paying because of their mistakes. It 's disgusting to think of how many other unsuspecting and trusting individuals are out there dealing with the same thing while NO XXXX with the power to help has. I simply can not afford to keep this up! How much more interest will I be charged for their negligence and illegal policies? Please, please, please help me and the thousands of other people who are simply trying to get the appropriate management of our loans. Fedloan causes me to have anxiety like nothing else ... .I know they are stealing from me and there is nothing that can be done except accept it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On today, XXXX/XXXX/2017 I applied for a loan with XXXX. I was denied the loan based on my credit score was too low. The credit score they reported based on Transunion credit Bureau was XXXX. My Transunion credit score is XXXX. I called prosper to ask why there was a discrepancy in the scores and they told me to call Transunion. I did. 

Transunion stated to me, not verbatim, but essentially, that when a lender runs a credit check they use a different model and that is why there is difference in the credit scores. So i then ask, does that mean the lender has the right to alter my credit score. She could not give me a definite answer as to why there was a discrepancy n my credit score. 

I then called XXXX back to inquire again, because no one is giving me an answer that sound legitimate. The stated to me, again not verbatim but essentially, they run a soft check not a hard check, that would go on my credit and us a different matrix and that is why i may be seeing different number. 

This still is not feasible. I could see the lender saying, o.k your credit score is too low for our criteria. We require XXXX and yours was XXXX. In addition to your score being to low you also had this this and this that goes against you getting the loan, but at no time should the credit score be altered from what the credit bureau is reporting. Correct?
If my credit score is XXXX given by Transunion then when a lender say they pulled my credit from transunion, it should still be XXXX, correct. 

Is it legal for a lender to alter you credit score or how does the credit bureau release a different score than what is documented on your 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
Consumer complaint received 05-01-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I am a stamp collector, and in XX/XX/XXXX I purchased what were described as XXXX very rare stamps from a dealer in XXXX, that were also described to be of the highest quality. Upon receiving the stamps in XX/XX/XXXX, I submitted them to the XXXX XXXX XXXX XXXX XXXX XXXX for an expert opinion to confirm they were genuine and as described by the dealer. In XX/XX/XXXX the XXXX issued their opinions, both of the stamps were actually different, much more common varieties, and both were re-gummed, so worth maybe {$400.00} instead of {$1200.00}. I then emailed the merchant and repeatedly asked for a refund since the stamps were not as described, and he did n't answer any of my emails, leading me to believe he knew very well what he sold were not the rare varieties he described. Because I charged the stamps on my Citibank Master Card, I went to the Citibank web site to try and dispute the charge. When I went to the Citibank dispute e-form, when I selected " merchandise not as describe '', it asked me to specify the date when the merchandise was returned. I called Citibank, and was told they would not accept a dispute for " merchandise not as describe '' until the merchandise in dispute had been returned to the merchant, so I went to the post office and sent the stamps back by registered mail, and then entered the dispute in the Citibank web site. Sometime later, I received a letter from Citibank saying my dispute was declined, because too much time had passed between the charge and filing the dispute ( which was due to the long time it takes for the XXXX to issue a certificate ). Of course I was very upset, I called Citibank and said why did n't they tell me that before they told me to send the stamps back? Now the merchant not only has my {$1200.00}, but he received the stamps back to sell to someone else, and I could have sold them to mitigate my loss. I think it 's unfair for Citibank to insist on merchandise being returned before they consider a dispute. XXXX is much better, they will resolve a dispute and then if the Buyer prevails, he/she has XXXX days to return the merchandise to the Seller. This should be the general policy for all banks, do n't enrich merchants who are crooks by forcing a buyer to return items before the dispute is resolved in the buyer 's favor. 

** FYI : The above is simplified for ease of understanding, the purchase actually involved XXXX stamps and XXXX seperate charges to my credit card, the XXXX other charges were in XX/XX/XXXX, and XXXX were reversed by Citibank as they were within the time window. The XX/XX/XXXX charge was the one not reversed, which is the one I am upset about.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It XXXX Concern : XXXX XXXX, XXXX Experian XXXX. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Box XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The following creditors have made unauthorized inquiries onto my credit report. 
Please contact these creditors and provide me with a complete written explanation for precisely why they have obtained my consumer credit report. I did not authorize these credit reports to be obtained and I want an explanation : XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My date of birth have been changed on my XXXX report. My employers have been changed also. From XX/XX/XXXX-XX/XX/XXXX, my last employer was XXXX XXXX. My first was with XXXX XXXX, next XXXXXX/XX/XXXX- XX/XX/XXXX. XXXX and XXXX  's from XXXX-XXXX. I was employed with XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX.THE SOCIAL SECURITY DEPARTMENT have written a query for me with my EIN numbers from all my employers. To prove who I am. XXXX  refuse to correct their data base. This is how utilities was being stolen. The FBI told me this is an inside job. The US Attorney General office told me the same thing. The entire XXXX XXXX abused your services by stealing my identity. My birth certificate was copied, drivers license, & social security card. I 've to do a lot of research. They 've placed a seven year fraud alert on my credit report. This was do to prevent me from learning who was involved with theft. My late father social security number is being abused. XXXX XXXX is stealing my mail. She 's working with the XXXX XXXX XXXX. My father 's name was XXXX XXXX. XXXX lived with my late father, she 's nothing to me & should n't be touching anything that belong to me. XXXX XXXX made copies of my mortgage papers with my signature. She was on e employed with XXXX & had access to XXXX XXXX. This is how the family got so close to me to gain access of my information. They also stole my mail through the XXXX XXXX XXXX XXXX. XXXX XXXX once worked for the XXXX XXXX in XXXX. She moved to XXXX after they had my father 's XXXX XXXX. This is a very dangerous family, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is an employee of XXXX XXXX XXXX XXXX XXXX. XXXX is also working with the XXXX XXXX. I 've reported this theft to you several times. At the time I did n't know all of my personal information was changed at the credit level. I was established and I had no reason to apply for 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 01-11-2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing to you because I have no other alternative. I can not stand for my rights to continue being violated by Pennymac Loan Services LLC. 

The root of the situation is that Pennymac Loan Services is reporting my mortgage opened on XXXX XXXX, 2012 as Status - Account included in Bankruptcy. THIS ACCOUNT WAS NEVER INCLUDED IN BANKRUPTCY. 

The Chapter XXXX bankruptcy that I filed was a business bankruptcy and the discharge did not include any of my personal accounts. 

The credit bureaus keep telling me that they ca n't change the " Status - Included in Bankruptcy '' tag, because they say that it was reported to them by Pennymac. 

I have provided documentation to Pennymac for over a year, just to fall on deaf ears and not have any of my calls returned. 

Pennymac has treated me like a second class citizen and has completely disrespected me at every turn. Because of this experience, I feel like I have been maliciously violated and deeply wounded by Pennymac. 

Having this mortgage incorrectly say that it was included in bankruptcy is stopping me from getting a small business loan needed for my business to operate. This is like pouring salt into the wound. 

I am begging you to demand that Pennymac Loan Services send me a letter of apology for these violations of my Civil Rights. 

Additionally, please have them immediately remove any reference to Status - Included in bankruptcy from my consumer credit files with XXXX, XXXX, XXXX and XXXX credit bureaus. 

Thank you VERY much for existing to help the " little guy '' in this world. I very much wish that there were more of you. 

Please notify me immediately of the positive results of your investigation. 

It is my wish that you have a very safe and happy new year! 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX a debt collector shows up on my credit report when this is inaccurate. we called XXXX XXXX and provided the act # : XXXX at XXXX and they could not locate my name or account number, or phone number. We need to have this inaccurate debt removed from all credit bureaus, thank you

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 08-12-2015 about Credit card () with AMERICAN EXPRESS COMPANY (WI).
Issue: Advertising and marketing

Complaint: I accepted an airport offer from American Express in XX/XX/XXXX to earn XXXX bonus miles and a {$50.00} statement credit if I made qualifying purchases within the first three months. I did so, paid my bill in full promptly - but never got the promised miles or credit. The reason? I held the card in XX/XX/XXXX ( which, of course, I do not even remember ). Sneaky marketing. Exhausting to read through all the fine print. Alot of wasted time on my part trying to pursue an offer I could never really get.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Purchase a vehicle last year XXXX/XXXX/XXXX, had a approval from my credit union bank and apparently the car dealership ran a credit inquiry regardless ; now because of this equifax breach I see these six hard hit on my reports as will in Transunion & i want them off. I 've submitted request with no results.

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 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (CO).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Transworld Systems has a collections account for XXXX XXXX XXXX. The debt I owe is partially valid. However, they called me today at XXXX Mountain Standard Time. The address on file is my address located in XXXX, CO. My phone number and prior account with ADT was in Eastern Standard Time. They have sent collections notices to my XXXX, CO address -- thus they should know what time zone I am located. Simple SSN skip tracing will also show my moving in XX/XX/2016. 

I called the phone number back and they read the debt statement to me per law. When I advised the agent their company had broken the law calling me the agent did not have a response. She stated they are in eastern standard time. And then continued to collect the debt from me. This call is a violation of the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit card () with U.S. BANCORP (VA).
Issue: Closing/Cancelling account

Complaint: I opened a business credit card account with Union Bank and XXXX last year with cards for my employees. I do not have a card because I do n't need XXXX. 
In XXXX of this year they sold my account to a new servicer but did n't include my information as the account and business owner. Since then I have been trying to pay my bill, but I ca n't access the account because I do n't have a card and the new servicing company, XXXX XXXX, requires that I make a new credit application in order to be added to the account and gain access - to an account I already applied for and already own. 

- The account sale happened without me being notified - Once the account sale happended, my balances are being incorrectly displayed on my online account - when my payment was due, I asked that it be paid and a much larger balance was taken from my account than was showed in online banking - I am not allowed to access the accounts by phone or online even though I am the financially responsible party - the new financial institution/account owner has said that they are going to require me to make a new application, force me to provide my SSN and other non-public data to a company with whom I do n't wish to have a relationship, whom I do n't have a privacy policy for and who has n't been willing to give me access to an account that I technically already own anyway.

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 11/15/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to get a modification and have submitted all of my documents 2 weeks ago but it still shows that I need to submit documents and does n't seem like anything is moving. When I call they keep telling me 7 days or 15 days etc.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: On XXXX XXXX, 2016 an XXXX credit card from Chase was opened in my name.

I was able to close the account but Chase can not or will not provide details about the details of the application. I am concerned that I am being slammed by either Chase or XXXX opening account like the XXXX XXXX issue.

Company response to consumer: Closed with non-monetary relief