milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2015 about Credit card () with U.S. BANCORP (CA).
Issue: Other

Complaint: I 'm filing a complaint because the {$75.00} annual fee I paid for with my credit card includes a XXXX night free bonus when using the card. After collecting the annual fee, US Bank has decided to remove the benefit that I had already paid for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America 's mortgage loan officer, XXXX XXXX, did not disclose a {$10000.00} fee when she compared XXXX products from which to choose ( FHA loan v. XXXX loan -- her e-mail to me is attached, dated XXXX XXXX, 2013 ) ; the e-mail details costs, fees, etc. but it does not show the nearly {$11000.00} fee mentioned above. Additionally, she did NOT provide a Good Faith Estimate when we identified the house we were to purchase -- XXXX XXXX had taken all income, assets, liabilities information for a home loan ( she also provided a pre-approval letter on XXXX XXXX, 2013 ). Please note that we entered into contract on XXXX XXXX, 2013 and we received the Good Faith Estimate ( attached ) from the Colorado processing center until XXXX XXXX, 2013 ( mailed on XXXX XXXX, 2013 ) -- the first time the nearly {$11000.00} fee was disclosed to us. We had a 14-day financing contingency that was going to expire on XXXX XXXX, 2013 ; we received the Good Faith Estimate after business hours on XXXX XXXX, 2013 so the first business hour opportunity to reach XXXX XXXX was on Monday, XXXX XXXX, which was 5 days before the financing contingency was due to expire. The date of the GFE was clearly beyond any RESPA requirement of 5 days to have been provided to us. Since we could not withdraw the FHA loan without losing the home, we had to accept this loan that was unfavorable compared to the doctor loan that did NOT have the {$11000.00} up-front fee and the monthly PMI of nearly {$800.00} Bank of America misrepresented the loan and did not follow the law, which cost us an additional {$25000.00} until we refinanced the loan ( we now have a 30-year, fixed-rate loan with Bank of America ). The CEO of Bank of America is involved and the person to contact at his office who is fully aware of this matter and its details is XXXX XXXX XXXX at the following number : ( XXXX ) XXXX. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have 2 accounts that do not belong to me. I already complained about this to the credit bureaus but I have not gotten a response from any of them. I would like these 2 accounts taken off my credit report. 

A XXXX  XXXX XXXX account that I've never had. There isn't even an account number listed. This account was opened in 2008, over 7 years ago. There is a balance of {$3200.00} listed as a charge-off. Not only does this NOT belong to me, but it is too old to be reporting on my credit. 

XXXX XXXX is reporting a charged off account in the amount of {$550.00}. This is account does not belong to me. I have never had an account with XXXX XXXX. I am requesting that this account be removed from 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 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I was asked by the cashier at XXXX if I wanted to apply for a card and get XXXX % off of my purchase, said no I have a card, he said that does not matter so I said go ahead then. 3 or 4 months later I applied for a loan and was declined because I had not paid XXXX in 3 months. 
I contacted XXXX they supposedly sent a bill and it was returned. They did this 3 times? They have my phone number, should't you make a phone call to see what was wrong? 
After my last conversation with XXXX I was told they would file papers stating I was disputing this claim. I have not heard back from them yet nor have I received the credit card or a statement since I started this futile search 3 weeks ago. I had credit scores in the XXXX or so range now I am at XXXX and can not get a loan. I pay out several thousand a month in bills when statements arrive. Why would I not pay a {$75.00} bill to XXXX? 
I could be out of business because of this and do not know where to turn next. 
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 09/29/2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a credit card account with my credit union XXXX XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX Equifax XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. 

XXXX XXXX agreed to remove the trade line from all XXXX of my major credit reports after my CFPB complaint XX/XX/XXXX. They contacted XXXX, Equifax , XXXX XX/XX/XXXX to have this removed. XXXX removed the tradeline per XXXX XXXX XXXXXXXX request but Equifax did not do so. I requested a new investigation and provided the letter from XXXX XXXX stating their intention to have the trade line deleted. Equifax did not remove or update anything based on that investigation and they are still reporting this negative account. I have requested this be corrected numerous times via direct disputes with Equifax and filed a previous complaint which provided no action.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed this problem with the XXXX major credit bureaus and they have not compliedI have a Bankruuptcy Case # XXXX and it was dismissed but the XXXX major credit bureaus will not remove this item from my report. I am seeking the assistance from the CFPB to help with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted Enhanced Recovery Corp on XX/XX/2016 and paid my debt in full. Over 60 days has passed and they have not reported to XXXX that the account has been resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 07/22/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Citi Bank, Card Member Services, XXXX, XXXX XXXX, SD XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Citi Bank, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX 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 10-08-2015 about Debt collection (Payday loan) with Bliksum, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: LoanMe contacts me XXXX times daily from varying phone number area codes all day long. I have a receipt that states " Debt paid in full ''. This company contacts me after I have already emailed XXXX cease and assist emails. 

Additionally, this company continues to write emails and call me 24 hours a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Transunion, XXXX, And XXXX all have police and identity theft reports and when an item disputed they refuse tobacco within 48hrs

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 01/23/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a forbearance on the debt until XX/XX/XXXX, with emails showing such, from the company. They are continually harassing my co-signer ( not me, oddly ) about payment on the loans. They provide the most absurd hoops to jump through in order to even contact them about it. The only email listed on the website is for a department called " XXXX, '' and any phone number goes to a machine which, shockingly, does not understand the command " stop harassing the cosigner, any more calls will be met with a lawsuit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Federal student loan debt) with GC Services Limited Partnership (VA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX   XXXX   ... ..    XXXX   XXXX     XXXX   gcservices    XXXX    XXXX   XXXX  called  XXXX  I returned the call from a different number.  XXXX  started giving out my account info after giving out all my account info. I feel my privacy rights were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get contacted all the time for a debt for a Credit card I have never owned. I never owned a XXXX XXXX card. The person they are looking for is XXXX XXXX and I do not know this person. But they follow me when I move. I have been threatened in the past, and gotten threatening calls saying they would contact XXXX. I do not know this person, and my wife and I are the only ones who live together. But they look for this person wherever I move. It is clearly identity theft of some sort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have bad customer service from my Mortgage Servicer and would like to switch to a different one. My account information online is never up to date, their online portal is terrible and the never address any of my concerns. There is a reason they get a XXXX star review on XXXX reviews. Is there a process that would allow me to select a mortgage servicer or a least force a change? Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (AZ).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: applied for wise credit card that comes with a {$200.00} bonus. I submitted my application in XX/XX/XXXX and received a denial letter dated XX/XX/XXXX. I immediately contacted the XXXX XXXX credit reporting company., who then sent me an outdated credit report. I then called them to state the errors on the report so they sent me a new & improved report showing no outstanding debt and any liens now outstanding, which is NONE. I then called/wrote wells fargo who said once a application is denied, it no longer is considered. My credit is excellent, there is absolutely no reason to deny me an account ... .except for discriminatory business practices

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 10-05-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MO).
Issue: Account opening, closing, or management

Complaint: USAA Federal Savings Bank, XXXX XXXX XXXX, XXXX XXXX, Texas XXXX is the name of the bank and Insurance Company. It seems I had people that were invited by a friend were not good people. They caused severe damage to my home and vehicle during XX/XX/XXXX thru XX/XX/XXXX. Then when my car was totaled shortly after that this company called and canceled my insurance and closed my checking account. They claim is was because I lied on a claim on tires that happened just 1 week before my vehicle was totaled. I lied on a claim that I had already paid for because I wanted to see what they would say as I had XXXX tires slashed in XX/XX/XXXX that I had paid myself. I thought they would be understanding but I just had many claims and I feel they were looking for a way to just get rid of me. I did not know the persons that were living with me were drug dealers and sold drugs out of my basement. After they were arrested I was able to freely enter the basement with the police and found evidence of what they were arrested. I feel bad I could not do more to help the insurance company get some of their money back. When I was notified my car had been taken and I had to walk everywhere. 
The pain I had on my left side was very bad from the accident. I had to beg and pay people to take me places which was very expensive. Too much happening for them to cancel me now. Since I am a XXXX I feel I was discriminated because of my age since I am 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 11-09-2015 about Credit card () with DISCOVER BANK (OR).
Issue: Rewards

Complaint: I got a new discover card because they had the promotion of 10 % back for upto XXXX payed with XXXX pay. There should have been an other 10 % cash back after 13 months. There was no limitation like gift cards, or need to have recipes or share purchase itemized data with discover. but now Discover do not awarded any bonuses for transactions they subjected to have gift cards included. So the process is to flag bigger dollar amount transactions and make the customer provide the information if he wants the cash back bonus. SO at a nut shell Discover changed the therms retroactivly. Discover has no level XXXX data so now they want recipes for purchase made XXXX so i guess discover does not care about privacy laws neither ....

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit card () with JPMORGAN CHASE & CO. (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Someone has opened a credit card in my name with Chase. I have told them several times that I DID NOT open this card. I never wanted this credit card with Chase. Not only that but somehow there were payments taken out of my bank account to pay for this card without my permission. I 've called and called and asked for the money that was taken out of my account to pay for this credit card to be returned to me, still no response. I 've also advised them that I did not make any of these payments to my card and then later they told me that they can not return it because I owe it to them. This is hurting my credit and I do not have the money to make the payments to save my credit! I also just found out that somehow this account number was changed from my previous card ending in XXXX to XXXX, another thing I did not authorize. I was also re-billed for charges that I DID NOT authorize and am trying to get removed to resolve this issue! They also claim that the charges on my account for merchandise that was purchased was shipped to me and signed for by me, NOT TRUE. I was not even home to sign for anything nor did I order it! I have filed several complaints with this company and they DO NOT listen.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (I do not know) with Experian Information Solutions Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My Complaint now lies on EXPER IAN Credit Reporting age ncy.   I filed a complaint with cfpb against  XXXX .  XXXX  responded with this : Responded on  X/XX/2017    Response Type : Closed with explanation : Company 's Response : We have reviewed our records in this matter, and find the following. Our office is not credit reporting any debts for this consumer. Our office is in possession of multiple accounts for a consumer with the same name, but a different social security number. As such, the error lies with the credit bureaus themselves and must be addressed with them. This is a common situation known as a " mixed file '', whereby the bureaus have mistakenly matched our reporting with an incorrect consumer. This usually occurs in a  XXXX /  XXXX   situation. We have verified back to the bureaus that the social security number we are reporting does not match that of the consumer in question. The consumer should dispute the accounts with the credit bureaus, once they have verified the social security numbers do not match, they should delete the entries.

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 09/28/2015 about Debt collection (Credit card) with CITIBANK, N.A. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company claiming to be Macy 's debt collection service continues to call from XXXX -- XXXX saying I owe money. I have not charged anything on a Macy 's account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX   XXXX   XXXX  reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected  to (   XXXX   XXXX   XXXX   ). I  have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at leas t 18  times to no avail.  XXXX   XXXX   XXXX  shows on the report with the telephone  XXXX  and address of   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loa ns ans n ot student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not g et ANY i nfo from   XXXX   XXXX   XXXX   XXXX  Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my report s ). The  credit bureaus were able to give me that information as well as date opene d in 2004. I w ould not have been  XXXX  i n 2004.  This account  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to be removed for many reasons  ans the mo st obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I applied for a mobile hotspot with XXXX on XX/XX/2018. I was told to get service with them I would have to pay {$80.00}. I decided I didn't want to go with XXXX but now they send me mail everyday to my address I get this one same letter iny mailbox. Five letters at one time, its the same letter and same reference number. I am just starting to repair my credit and don't want these negative inquiries on my credit account 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