milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity thieves have made numerous attempts on my accounts in the last two years - one fraudulent use of an existing credit card, three fake applications for credit, multiple addresses added to my credit bureau report. 

A few months ago, I found a new address in Minnesota listed on my XXXX report, which it says it got from U.S. Bank. I have never lived in Minnesota. Never lived in the Midwest. Interestingly, the address is one where I have close friends and sent XXXX gifts in XXXX. It's incredibly disturbing that their address has been added to my report, and that XXXX  refuses to take it off. Are they now working with major retailers to get addresses where mail is sent? And why does the address have three misspellings? Seriously, every major noun in the address and city is misspelled. It's clear they are adding information into my account from highly suspect sources. 

I have tried to get this removed and XXXX  just sends me back a form response telling me how to dispute something, exactly the step that I had just taken. I want them to remove this address and not add anything else without my explicit instructions. I've had security/fraud alerts and freezes up continuously for over a year. There's no excuse for this behavior.

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. (NJ).
Issue: Late fee

Complaint: I paid off a balance in XXXX, but because I had n't paid off the previous month 's balance I was charged {$13.00} in interest. I would have paid that - if I 'd known about it, but I never got a bill. I did n't get a bill in XXXX either, when they had XXXX the interest and slapped on a fee. I did n't know about the ever increasing fee until I got a call yesterday about my late payment and went online to see it was up to over {$50.00}. I was shocked. I called the call center and I tried to explain that I never got a bill. She tried to say they were sent electronically - nope, I signed up yesterday when I logged in. Then she said that they were mailed and asked if I moved. Nope - not that either. She did n't bother to validate my address just said it must be a post office issue. She knocked all but {$15.00} off but I explainted that I thought for sure this happend to me once before with them, so there is a pattern. I get all of my other bills, not sure why theirs are a problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received recently my credit report and I am still seeing accounts in my report which should be deleted. Those accounts were authorized users accounts and I am no longer an authorized user of any of them. The following accounts should be deleted immediately : 1st account : Creditor Name : XXXX XXXX Account Number : XXXX 2nd Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 3rd Account : Creditor Name : XXXX XXXX Account Number : XXXX 4th Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 5th Account : Creditor Name : XXXX XXXX Account Number : 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 11-11-2016 about Credit card () with DISCOVER BANK (NJ).
Issue: Closing/Cancelling account

Complaint: Dear Sir/Madam, I am filing a complaint about Discover credit card ( account # XXXX ). This account was opened on XXXX/XXXX/XXXX and according to the terms and conditions, the card will receive XXXX miles per every dollar spent and the first 12 month 's earned miles will receive a match bonus. Since account opening, I have earned XXXX miles. My account has always been paid timely. 

Discover card closed my account for no reason on XXXX/XXXX/XXXX, just a few days before the first annual anniversary. After my account closure, they not only denied my last statement miles credit but also told me that I would not receive the annual match credit. They stated that their program policy is if the account is closed, it will not receive the match bonus. 

It is apparent that Discover card closed my account just 4 days before the 12-month anniversary just to deny my due credit of {$2300.00}. Discover has been trying to deceive its customers to open and use their credit cards with a promotion that they know they will deny in the end. This type of deceptive practice can not be allowed. I am hereby asking discover card to credit my account XXXX miles in cash format of {$2300.00} as a direct deposit to my linked bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: These people continue to call me on a debt that I do n't think is mine. I do not believe that it is identity theft, I just believe that they put the wrong name on the wrong debt. They refuse to work with me on this. They say the only way it can not be mine is that if it was identity theft. I sent them a letter telling them that the information on the debt does not match up with mine except for the name. They tell me XXXX different times that they will send me a dispute packet without actually sending me a dispute packet. This last lady that called me, just like the XXXX other times before, called me like I had never disputed it until I say something. She was the rudest person that I have ever talked to about this issue. She blamed me and the post office for not receiving the dispute papers. Then I said that if I say I would pay it you would probably react a lot quicker. That is when she tried to convince me to give her my bank account information over the phone after negotiating a payment plan. When I said I am not going to give her my information over the phone she got real defensive and said " You know we will have the same information on a check, right '' like I was stupid. She then said that she was going to put down that I was no longer disputing but going to pay it and that is not what I said at all.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Late fee

Complaint: Synchrony Bank failed to send a monthly statement to me for my Amazon.com credit card during XXXX 2016, The XXXX statement I received contained a {$25.00} late fee. I was unable to object to this fee because Synchonry Bank does not permit human person-to-person contact. It has a website and phone number, but any effort to explain a problem results in a " robo call '' response. Efforts to contact a consumer services representative through any of the other Synchony Bank phone numbers produced the same result. Synchrony did not disclose, at the time of issuance of the credit card, that human contact and interaction would be prohibited by its system.

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 05-03-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: In  XXXX  or  XXXX  I opened a  Sears  credit card account, used it once initially and paid it off and did n't use it again until  XXXX  of  XXXX . Accrued a balance of ~ {$130.00}, paid it down to ~ {$50.00} in  XXXX   XXXX , the next time I logged on to the credit card management website it said that my balance was  XXXX . I did not keep track of how close my balance was to  XXXX  so I just figured I had paid it off already and did n't need to bother looking at it again. Around  XXXX   XXXX  I received an email from  Sears  saying my account balance was overdue, so I log in and there is a  Sears Mastercard a ccount ( in addition to the original  Sears  Card account I had applied for ) with a balance of about {$95.00} :  XXXX  was transferred from my old account, and {$27.00} late fees x2.  XXXX   XXXX  was the first time I discovered the existence of this account, the first time I was aware that a previous balance was transferred over to it, the first time I knew it was overdue for  two  consecutive months. I then get an email from a credit monitoring service I pay for through another credit card and see that my  credit scor  XXXX  had dropped nearly  XXXX  points for a delinquent account. I do n't even have a physical copy of this card.     I spoke to Sears customer support today on the phone and they insisted they sent out mailers and the card to the address on file and said there was nothing I could do because of that and the fact that they had never received any returned mail.     My problem is that a new credit card account was opened in my name without my consent instead of being " upgraded '' like  Sears  customer support said it would be, and balances were being transferred to it without my knowledge or receiving any indications or notifications of anything happening and now my  credit score is significantly damaged because I did not make   payments on an account that I did not know was even open under my name until 2 days ago.     Attachments :  1. Sears credit card management page - shows nothing in recent activity to include the transfer between this account and the new one opened without my consent 2. S ame page as picture above showing the last statement available to me being the  XXXX  from  XXXX   XXXX .    XXXX .  XXXX   XXXX  statement 4. Enrolled in paperless statements AND letters - never received any emails about any changes to my account.

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 09/21/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (TX).
Issue: Account opening, closing, or management

Complaint: My husband had an account with Sun Trust I cosigned on. We never had XXXX dollars in the account at any point however they have filed something with the court saying I owe them XXXX dollars. First problem never had that much money in the account to withdraw second how did an account he was primary on become solely my account and they put it on my report and have a judgement filed against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CENTRL FINCL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX, XXXX, CA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRL FINCL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRL FINCL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (PA).
Issue: Application, originator, mortgage broker

Complaint: After reviewing the USbank denial report, I concluded that this decision is completely unfair and irresponsible for the following reasons : 1.My DTI is at XXXX % ( my income is {$31000.00} per month + rent {$3500.00} from property ) my obligations is ONLY @ XXXX for the mortgage on the rental property I own in XXXX XXXX XXXX , CA XXXX 2.Delinquency regarding my late payment on the XXXX credit card was explained in a document was submitted to USbank, the amount was {$300.00} and we did not received the final bill because of our move to XXXX on XX/XX/2013. 
3.They are no revolving accounts for me in XXXX except the mortgage including insurance + tax for my property in XXXX XXXX , which is {$3900.00}, and I pay {$5000.00} every month for 15 years mortgage. 
4.Unable to verify employment is completely untruth, XXXX for my employer ( XXXX ) here in XXXX and XXXX were never contacted by USbank or anyone representing USbank. 
5.I have been working with XXXX for the last 17 years going on my 18 years and complete records of my salary and positions are available in the XXXX system. 
6.My FICO score is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (NC).
Issue: Settlement process and costs

Complaint: My complaint concerns compliance with the Home Mortgage Disclosure Act. By section 1003.5, I can request HMDA data directly from a lender after XXXX XXXX, and expect to receive it back within 30 days. 
I requested HMDA data from Quicken Mortgage on XXXX XXXX, 2016. I have not received a response. I followed up by telephone on XXXX XXXX. The company routed me through many different departments and then hung up on me. All along, their response [ paraphrased ] was " let us see about your request and if it is our policy to fulfill it. '' I would like to receive their HMDA data. Also, I asked for any HMDA data related to their subsidiaries. I believe they have a subsidiary named XXXX XXXX, XXXX. If that is a part of their institution, then I would like to receive that data as well. I would like the data in excel, .data, or text file. I am certain that they keep their information in a digital format, so that should be an easy means of executing on this process.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (HI).
Issue: Managing the loan or lease

Complaint: In XX/XX/2016 I entered into a contract to lease a new vehicle. I was informed by the finance Mgr at a meeting at the dealership that i would receive payment information from Kia finance in the mail. After several weeks of not hearing anything i returned to the Dealership and asked the Finance Mgr about the lack of info on the lease payments. His response was " do n't worry they will send the info ''. after several more weeks i again returned to the dealership and again inquired about the lack of info on the payments. Again i was told by the Mgr that sometimes it takes awhile and not to worry. 
A few weeks later I received a statement informing me that i was in arrears and they wanted two months payment and added a late charge of XXXX which they continue to do monthly I called the finance Co. ( XXXX ) and spoke with their Rep. I was informed that the charges were justified and i had to pay. When questioned about the lack of information necessary to make the payment they informed me that the dealership probably did n't submit the paperwork in a timely manor. 
From the day I received the first statement i have scheduled my bill pay service to pay the original amount of {$450.00} on the XXXX of the month which was and continues to be one day before being late. 
However, KIA finance company then takes my payment and applies it to what they consider a late payment making my payment short of the {$450.00} required and adding another late fee. 

I have made at least 4 calls to Kia Finance including speaking with supervisors to try to work this situation out only to be told to pay up. I have made every payment in a timely manor and will continue to do so.I have tried several calls to the dealership Finance Mgr and have been ignored and at this point do not know where to turn and am asking for your help in this matter

Company response to consumer: Closed
Consumer complaint received 04/14/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX Hospital performed XXXX ' that have been paid for in full, via payment plan. Account was turned over to collection company before first billing from hospital. This is a scam. There is no way to pay the hospital, except through the collection company. Have tried to resolve, falls on deaf ears. The collection ( billing ) company is Central Financial Control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (FHA mortgage) with PLAZA HOME MORTGAGE, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently had my mortgage purchased by Plaza Home Mortgage several months ago. I have made all of my payments to Plaza Home Mortgage in a timely manner and was early for the payment due on XXXX/XXXX/XXXX. The early payment was paid electronically on XXXX/XXXX/XXXX and was processed on XXXX/XXXX/XXXX according to my bank account. Last week XXXX, I received several phone calls from plaza home mortgage which the person hung up on me. I immediately called back and was informed by the recording that I had tried to call after normal business hours. When I did eventually contact an employee who identified himself as " XXXX '' I was informed my account had been transferred to collections and that any information obtained would be used in an attempt to collect that debt. I informed XXXX that I had made all of my payments on time and he informed that all of Plaza Home Mortgage loans were considered to be in collections as an outstanding debt until the loan is paid off completely. XXXX assured me it was an accident on their part and my account was in fact current and should not worry about it. On XXXX/XXXX/XXXX, I received a mid month statement from Plaza Home Mortgage stating I owed an overdue amount and would need to make a double payment on XXXX/XXXX/XXXX. As someone who has gone through a foreclosure in the past I am afraid anytime someone tells me I am in collections and I also fear this would reflect poorly on my credit report if these false delinquent notices continue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to https : //XXXX, entered my information, and requested my free annual credit report from Experian. 

I got this message : " We were unable to honor your request. If you entered your credit card information, we did not charge you. 

Sending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with " ... 

Then I went to the " Contact Us '' form on the annualcreditreport.com site and tried to report the problem, but the site refused to accept my form. The error was " Tell us more is invalid. Please try again. '' but it provided no information about why the information I had entered under " Tell us more '' was invalid or how to correct it. 

The appearance to me is that Experian is trying to avoid its legal obligation to provide a free annual credit report by making it so difficult that most people will just give up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Previously deleted inquiries were deleted then read dedicated without notification or validation XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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