milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Having met the promotional offer requirements, I am eligible for 30,000 Delta skymiles. American Express is contending that I am not eligible because I had a similar card in the past. Although I applied for the card under the promotional offer, Amex did not inform me at the time of approval that I would not be eligible for the promotional offer. Only after inquiry, Amex is now telling me that I had a similar card in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (VA).
Issue: Problems when you are unable to pay

Complaint: My complaint is that I purchased a truck back in XXXX 2009 from a dealership I put down on a down payment to get the truck, during my time with the truck from the start I was having mechanical problems, After maybe 3 mo I had credit card fraud which caused me to not be able to make the payment for that mo. So they then remotely XXXX the start engine on the truck so I could not drive it. So within a couple of weeks they repossessed it, an offered me in a letter to buy it back at auction which I could not buy it back because I did not have the money to make the payment let alone to be able to purchase it back for the remaining balance after auction, so in further complaint they sent a garnishment summons to my job stating that I owe them {$3100.00} less the amount they sold the truck at auction. Ok now the question I would like answered is what physical money did they loan me ( put money in my hands check or cash ) that was paid towards the purchase of the truck, an did they not get there property back when they repossessed the truck an sold it at auction. So what warrants me to owe them physical money an for them to hide behind the courts to have them issue a judgment against me for physical money they never give me any way an to take money from me, here is something to think about : when you need to rent a car you have to put down a deposit. when you retain the car you then pay for the usage of the car, you return the car you get your deposit back. physical money an property is being exchanged I feel it is the same concept as leasing a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: My wallet was stolen or lost a couple of years ago and someone deposit fake checks into my account which resulted in a overdraft fee and closing off my account. I tried to explain to the bank that I was not at fault and I was the victim but they would n't listen. The XXXX reported me to chexsystems. I paid all the fees although I was n't responsible and still no help. I told them you have cameras in your banks if you look maybe you can catch the real the if now I ca n't have an account for seven years please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Mortgage) with Credit Bureau Services Association (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection agency is reporting inaccuracies in the debt from my report due to the amount being different from what the original creditor is saying I owe. I have filed two disputes because of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Auto debt) with Professional Debt Mediation, Inc. (SC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Have contacted company twice in regards to the debt. This debt was charged off by the orginal company and closed. They can not verifie the debt and keep calling and harassing me at work and at home.

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 12/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Trans Union Consumer Solutions XXXX, PA XXXX ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well as FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers - Information Available to Victims XXXX ( XXXX ) ( XXXX ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate. 
2. ACCOUT NAME : XXXX ACC BAL : {$100000.00} This account was charged off listed with wrong balance please delete error 3. ACCOUNT NAME : XXXX ACC. BAL {$1700.00} no proof of contract collection trans error please delete. 
4. ACCOUNT NAME : XXXX ACC BAL : {$73.00} I have never done business with this company error please delete.

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 03/21/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Hi, i have some concerns regarding my loan modification with my bank Bank of America. Bank of America placed a foreclosure sale of my home for XX/XX/2018 at XXXX XXXX. 
I provided Bank of America all of my documents for a review for a loan modification. They said they have all the documents and they do not need anything else. Bank of America told me that my loan modification is undergoing review process and is in review with the underwriters. I checked online and checked with the trustee my home is still on foreclosure sale. Bank of America has not taken my home off foreclosure sale even though they are reviewing my loan modification. Im very stressed and worried that they will foreclose on my home even though im in review process. 
I know if they continue the sale they will be in violation of the California Home Owners Bill of Rights. They have to right to sell my home if they reviewing me for a loan modification. 
My concern is the sale is coming up shortly and they will not remove the sale.

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 03/17/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I went though a modification but the bank did't bring down the amount down enough we thought it would be a lot lower than it is originally it was at XXXX then went down to XXXX that really is not enough need to drop a lot more like XXXX the bank is not very easy to work with thanks

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have 2 public records that I asked to be validated due to the new law that on XX/XX/XXXX all Judgements will come off. I have a Judgement from XX/XX/XXXX and a BK from XX/XX/XXXX. I am trying to get these items off if allowed by law. I have contacted all 3 bureaus and none are being compliant. It is hindering me fron getting my daughter the loans she need for her educational needs.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX, I received a mail from a debt collecting agency " Linebarger Goggan Blair & Sampson , LLP " ( LGBS ) stating that I owe them a debt of {$150.00} from XXXX XXXX ( XXXX ). After investigating, I realized that it was a toll charging company. I was skeptical about {$150.00} for a toll. After confirming that I had paid my toll bills, I called LGBS call center stating that I never received a bill from XXXX, and I 'd like some proof that this was n't a scam. After a harassing conversation, the LGBS representative stated that they ca n't give me any info on behalf of XXXX, but said that debt was real and had to be paid. She said if I needed any more info, other than the split for the amount, LGBS was n't the agency responsible to give. So, I called XXXX thereafter. After a polite conversation with the customer representative, I told them that all my toll bills were paid in full. However, XXXX representative insisted that they had sent me four separate mails. Since I had requested for paperless bills, I informed them that this had to be a mistake. The XXXX representative later confirmed my charges and informed that since I had changed my vehicle registration ( Moving from XXXX to XXXX ), a new account had been created, and the bill was automatically sent to the residence due to the lack of email id. Being an international student, and visiting home country for months, I do lose mail. So, with the XXXX representative 's help, I tracked the mail from the post office and confirmed that it was indeed my toll bill dating back to XXXX XXXX. There were XXXX toll charges each with regular toll fee, process fee, late fee and mailing fee totaling to {$35.00} sent on XXXX/XXXX/XXXX due on XXXX/XXXX/XXXX. I informed the XXXX representative that this is only one fourth of the amount I am being asked to pay. She informed that she has no control over the amount once it goes to the collection agency. 
I called back LGBS and informed them how can the fee be so high. As before the representative was very rude, and informed me that this is the fee and I have to pay it. I asked the representative the procedure to obtain a split for the fee. I asked her if I delay my payments any further would they charge me additional fee. The representative stated and I quote- " How would I know. If XXXX asks more, you pay more, if they say the same you pay the same. I am not responsible for your payment, I am here to collect it. '' I paid the full amount and am faxing a request to provide me a copy of the charges. I also reviewed online that I am not the only one harassed by LGBS. XXXX and LGBS together have done this to several people. A simple google search provides examples.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I have tried on multiple occasions to modify my 6.85 % homeloan with Wells Fargo and have been denied for multiple reasons over the years, but mostly because my debt to income ratio is too high. I have no consumer debt only a home.
I am on   XXXX   and have a  XXXX  child. Homelessness would drastically impact my medical care.
I have attempted to modify my loan through Keep your Home CA,   XXXX   XXXX   XXXX   , and  XXXX . I hav e been through their internal modification program no less than 6 times all to be denied help because my loan did n't qualify - not   XXXX   XXXX      XXXX   XXXX  , or FHA.
The last attempt throu gh   XXXX    g ave me a different reason for denial, my Net Present Value was too high.
I owe around  XXXX  on my home and have close to  XXXX  in equity. Wells has decided it would be cheaper to foreclose on my home than to help me retain the 21 years of equity I earned from my real estate investment.
As a  XXXX  woman, I find having to apply again and again to these modification programs only to be denied because of the home equity is infuriating and feels unfair.
Wells sold my mortgage years ago and has no invested interest in helping me. My loan is apparently owned by a holding company in the Far East.

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 12/19/2016 about Mortgage (FHA mortgage) with AMERICAN NEIGHBORHOOD MORTGAGE (GA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2016 Annie-Mac Home Mortgage gave me a good faith estate before the election. I submitted all the required loan documents and later told I met all the requirements of a refinance through email correspondents. I was explained to submit a credit card for an FHA appraisal of {$450.00}, which would be reimbursed at closing of the loan. FHA refinance home loan conditions and terms change due to my appraisal, which came in lower then expected. I was told By XXXX XXXX at the time of the loan they can go up to 85 percent loan to value. XXXX explained the refinance loan was still doable even at a lower appraisal. At this time during closing I was ask if I had any assets to liquidate to satisfy my DTI ratio to keep it around 50 percent with the current mortgage rate offer of 3.25 percent as promised. I then sold some of my company shock worth XXXX XXXX dollars to meet their requirement. I waited several days without any updates from XXXX or XXXX XXXX my loan processor in closing. 
XXXX XXXX ( processor ), explained when my deed update completes through titling we are set to close the loan in the first week of XXXX. After numerous calls recorded, XXXX failed to return any of my calls after submitting all required documents during closing, which I was explained the loan is approved and will close in XXXX. In the process I was told do not make my XXXX mortgage payment. After the election things became obvious that XXXX and XXXX was avoiding my calls. XXXX the company receptionist said, " I will not commit personally but this is n't right. '' After long hold times waiting to be transferred to speak with the above parties only got their voicemail. In XXXX, I had placed several calls to XXXX and XXXX without any return calls. I had to get Branch XXXX XXXX XXXX from the Florida office to have XXXX call me, which he did XXXX XXXX, 2016. XXXX explained the loan is still in the approval phase and working out the final details with escrow and with XXXX to go forward. Closing, I was told a follow-up call would be placed to me and not to worry about any rate changes. I then asked about my appraisal fee out of pocket. He explained the loan is on track and he would get back to me. After no followups I then contact the vice president of the company XXXX XXXX got no response. Then I called his assistant XXXX XXXX with the same results.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Debt collection (Credit card) with Esser, James & Associates (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from number XXXX. I answered the call and the automated voice said if I was who I was to press one. I pressed one and was connected to a person who asked if I was someone named XXXX XXXX or XXXX, I could n't tell. I gave them my correct address and they pulled up my file and stated theyre were esser, james, and associates and that they were giving notice that I was going to be sued for credit card fraud. I asked why and they stated that I had a XXXX chevy Malibu and a chevy equinox, as well as a mortgage in my name and said I 'm able to repay the debt and have not. I told them I have none of these things and want to dispute. They told me they were unable to dispute and were going to sue me no matter what unless I arranged payment. They said they would put a lien on the house and vehicles. I told them I could n't pay and told them these were not mine. I told them the vehicles my husband and I have as well as the amount of credit cards. They said it did not matter and there was nothing I could do. I agreed to pay, even though I know I could n't pay because I was terrified. After the call, I called a debt collector I 'm currently making payments to ask them if that sounded right. They looked up the information these people gave me and found that they are confusing my mother and me, which is what I thought and I told the company. My mother is XXXX XXXX and I 'm XXXX XXXX. if they would have looked that the birthday they would see those things are associated with a woman born on XX/XX/XXXX not myself born XX/XX/XXXX. In essence, esser, james, and associates are threatening to put a lien and sue me for my parents house and vehicles, which I am not involved in nor are they co-signed on any of my loans or cards. Once I realized something was not right I did research and found multiple reviews on this company that they have done the same thing to others as they did me. Now I 'm getting emails, which I will attach, every day telling me to sign a document, which I am not doing until I get ahold of the original debt holder and tell them about this as well as ask for verification because I feel the 3 payments of XXXX dollars they requested is n't even the correct amount owed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Student loan (Federal student loan servicing) with Windham Professionals, Inc. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: For the time that I have been out of school, my student loan has bounced around to different " creditors. '' Each time it has been " sold '' to them, another surcharge has been added. According to my calculations, they've tacked on almost another {$1000.00} dollars on top of my {$3500.00} dollar loan. I have set up payment plans numerous times for them to be paid for about six months and then suddenly stop, putting my loan back in to default and adding on more surcharges. 
Now, my account is currently being overseen by Windham Professionals. I spoke with them around the beginning of XX/XX/XXXX, they were trying to set up yet another payment plan, stating my loan was yet again in default. When I asked to young lady to provide me with any statements or records of my account, she caught an attitude, claiming that I should have records of everything I paid and that it wasn't their responsibility to provide me with any information. 
To me, this seems like I'm being scammed. There should have not been any reason to put a stop on any payments i was making. This seems like they are purposely putting a stop so they can add more fees and collect more money from me. 
In XX/XX/XXXX alone, I paid off {$2000.00}.

in XX/XX/XXXX, another {$510.00} That is just what I've been paying since I've been working at XXXX. I do not have access to the statements from previous employment when I was set up to make payments automatically. 
They are currently saying I still owe over {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The XXXX and equifax are reporting the XXXX debt more current and its actually a year older

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Due to XXXX deaths in the family and a personal hardship caused by my wife 's car accident which has caused a decrease in our family 's income and my recent XXXX out of the XXXX XXXX XXXX, we have temporary falling behind on our mortgage. My wife and I have been dealing in good faith with wells fargo and providing all requested documents in a timely manner. We have been most diligent in following up with Wells fargo to check the status of our loan modification application and we feel that wells fargo has not been cooperating with us as we look to achieve a mutually beneficial resolution. Our goal is to keep our loan obligation and secure a mutually agreeable loan modification solution. So that my wife and I can continue to raise our XXXX sons in our home. We appreciate the opportunity to work together with wells fargo so that both they and my family can benefit. I 've faithfully served in the XXXX for ten and half years and I would greatly appreciate wells fargo cooperated with me as we are now coming out of this hardship and looking to get back on track with our mortgage payments. I 'm currently working at XXXX XXXX as a fright XXXX and my wife is nearing the completion of XXXX and will be returning to work very soon. Once again, we are just looking for some corporation from wells fargo to cancel the sale date of XX/XX/2015 so that we can secure a loan modification and stay in our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation