milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: In XXXX 2015 I successfully applied for a XXXX Southwest Airlines Rapid Rewards credit card through Chase bank. I applied on-line through the Southwest Airlines website by clicking on a banner advertisement. The banner clearly stated that if I successfully applied for a XXXX Southwest Airlines Rapid Rewards credit card that I would be eligible for XXXX bonus points if I spent {$1000.00} in the first XXXX billing cycles. I read and re-read the credit card contract and offer multiple times and decided to apply. My application was instantly processed and approved. I received the credit card shortly and proceeded to use the card to meet the {$1000.00} spend requirements. Within the first billing cycle I achieved the spending requirements and awaited the addition of the XXXX bonus point to be added to my Southwest Rapid Rewards account. I was aware that there was a delay of XXXX to XXXX weeks to process the bonus. So, when my bonus miles did not get credited to my account after the first billing cycle I was not concerned. On XXXX/XXXX/15 a {$100.00} statement credit was applied to my Chase Visa card. This seemed faintly familiar since I believe it was also part of the XXXX Rapid Rewards credit card promotion. On XXXX/XXXX/15 my Rapid Rewards credit card was credited with XXXX points. In XXXX I had not seen the XXXX rapid rewards points credited to my account. I had operated under the impression that since the original offer was for XXXX points was for {$1000.00} spent in the first XXXX billing cycles. XXXX should have been the end of the first XXXX billing cycles and I had still not seen the credit. On XXXX XXXX I called Southwest Airlines at XXXX and spoke with a customer serviceperson. She explained that my points should be coming as soon as the next bill/cycle posted. On XXXX XXXX I used the automated website email and submitted the same question to them. Later that afternoon I received an email once again stating that reason for the delay was due to the XXXX to XXXX week processing time. On XXXX XXXX I called Southwest again and spoke to a customer service person and they said they will inquire directly with Chase Bank about the issue. On XXXX XXXX I got an email from Southwest stating that Chase Bank had denied that I signed up for the XXXX bonus points offer but that I had actually signed up for a different offer of XXXX bonus points and {$100.00} off your first credit card bill. I called Chase Bank directly at XXXX and stated to that this was incorrect and that I had clearly clicked on the banner for the XXXX bonus points offer. Chase denied that this was the case. Chase claims that I applied under the XXXX points / {$100.00} off XXXX statement offer. I asked to speak to a supervisor or a manager and they refused to put my call through but gave me a fax number. They stated that my claim would be denied even if I faxed a letter in.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Mortgage (Other type of mortgage) with 21ST MORTGAGE CORP. (CA).
Issue: Struggling to pay mortgage

Complaint: This is my second complaint as new information regarding the same loan has come to light. 21st Mortgage Corporation is presently actively attempting to resell my home due to " promises broken '' ( first line of their letter NOTICE OF OUR PLAN TO SELL PROPERTY ). I am not behind in mortgage payments. I did suffer an illegal unlawful detainer which removed my right to land that I had rented for over 9 years. I improved said land as a necessity due to the poor and unsafe conditions I moved into as the space had been vacant for over four years. The bank has stated " no land, no house ''. The Department of Fair Employment and Housing has begun an investigation into discrimination and defamation I suffered due to the fact a mobile home manager has no oversight and can persecute anyone they desire, for virtually anything. The bank is aware of the facts (XX/XX/XXXX letter included in first complaint ), as well as, my letter to them dated XX/XX/XXXXwherein I once again, acknowledge their dual tracking and now their attempt to take ( which they didXX/XX/XXXX) property they have no right to take, and now asserting their " right '' to sell property that is not theirs. Using language so vague as " promises broken '' does not explain nor acknowledge how this bank did not have to process a loan modification, and were able to seize my home, change the locks, and then put the home up for sale without my permission, or involvement. Copies of the last four mortgage payments are included for your review. THIS BANK HAS PARTICIPATED IN DUAL TRACKING AND SIMPLY LIED TO ASSURE CFPB THAT NOTHING ILLEGAL IS HAPPENING. Now I 'm suffering, once again, due to the banks actions, a sale of property I have maintained, improved, and paid for faithfully. If I am the responsible party, why do I have NO AUTHORITY?? PLEASE INVESTIGATE THIS BANK AND THEIR ILLEGAL ACTIONS AS THEY ARE ROBBIING ME OF MY HOME AND MY LIFE. Simply because they can. No one is overseeing unscrupulous land owners, and banks that refuse to lower outrageous interest rates ( XXXX ), and then seize a home they have no legal right to. PLEASE, PLEASE DO NOT LET THEM LIE AGAIN!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX XXXX XXXX  Credit Card was closed on XX/XX/XXXX from a Chapter XXXX bankruptcy. XXXX XXXX is only Credit reporting agency to correctly report on my Credit report. XXXX XXXX is claiming that my account was charged off in the amount of {$7500.00} and is currently holding a balance when in fact the account was closed during my bankruptcy. 

To my knowledge this account is the same number as submitted with my bankruptcy, if it was not closed then someone other than myself has opened this Credit card in my name. 

I have sent letters to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX trying to get this taken off my credit report but they keep saying that it was confirmed with no evidence of validation of competent evidence bearing my signature.

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 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS AMT OWED {$8800.00} WAS TO BE PAID UNDER XXXX INSURANCE, WHICH I PURCHASED AND WAS PAYING FOR, AT THE TIME I REQUESTED THE LOAN. XX/XX/XXXX, I WENT OUT ON PERMANENT XXXX AND HAVE BEEN RECEIVING BENEFITS FROM SOCIAL SECURITY SINCE XX/XX/XXXX. THE LOAN COMPANY WAS NOTIFIED OF MY XXXX AND THEY WERE SUPPOSED TO SUBMIT A CLAIM FOR THEIR MONIES.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Medical) with North Idaho Credit Corporation (ID).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I never received a single collection attempt on the case until they sued me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Bayview Loan Servicing took over my mortgage in XXXX XXXX at the time I already had an APPROVED Load Modification agreement in place from XXXX XXXX ( previous mortgage company ) who sent me an agreement along w/trial payment schedule to commence on XXXX XXXX thru XXXX XXXX ( 3 mos ) at that same time I received a letter from Bayview ( never heard of company but looked up which had nothing but negative claims against the company ) therefore I thought the letter stating they were taking over my mortgage was a scam. I reached out to my contact at XXXX XXXX and they informed to start my loan modification trial period with Bayview who is taking over as of XXXX XXXX. We all had a 3-way email convo where XXXX XXXX warned Bayview that they have to legally honor the loan mod agreement that was already in place and I was to make 1st payment to Bayview on XXXX XXXX. I made the 3 trial payments not only on time but earlier then XXXX of each month and have the proof. I battled with Bayview since day one, from getting a responsible person to correspond with me, conflicting info, etc. I was given a Rep that I was to work strictly with whom never responded back to me but I STILL cont 'd to make monthly payments even after trial period, never missing a month. After threatening legal action, I received my long awaited loan modification agreement in mail that stated I successfully completed the trial period ( 4 months AFTER the trial period ). The loan modification agreement is beyond corrupt - the amount they are trying to increase my loan amount to, fluctuating rate so I reached out to my new Rep I was assigned to requesting some information on the agreement, to please provide proof of missed payments and how they come up with the amount of repayment owed on loan ( normal concerns before signing a legal agreement ) but again I am getting XXXX courtesy of a reply. The statements I receive each month are incorrect - I asked Bayview to explain where is all the money I have paid to date, over XXXX ( no reply again ). I am not sure how this company is able to stay in business legally on how corrupt it is, please assist me on retrieving a legal loan modification with them or retrieve my money back that they stole. I believe with all the complaints against this company an actual legal investigation and class suit action may need to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for XXXX , Experian , and XXXX They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted Experian first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted XXXX, and had he same issues with them. I was unable to get in touch with a person. Next, I contacted XXXX, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.

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 04/28/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NC).
Issue: Account opening, closing, or management

Complaint: I am ( with my siblingss ) the beneficiary of a trust established by my grandmother, that passes to me ( and my siblings ) upon the death of my Mother. My mother passed away in XXXX 2015, so we contacted Wells Fargo, the administrator of the trust. We provided all the requested information and documents in order to process the distribution of the funds from the trust in XXXX. It has now been 4 months, and the funds still have not been transferred as we requested. When we call Wells Fargo we are told that it is " in process ''. There has been no explanation for this long delay, and we have not been told that there is any problem. There has been no communication at all.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other

Complaint: I had a credit card with XXXX card services. The account # XXXX. XXXX closed my account and took away the reward points that were accumulated in this account. XXXX profited from their one sided action, which is illegal or at least unethical. I ask that XXXX will pay me the value of the rewards that were accumulated in the account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I filed a complaint back in XXXX with CFPB against XXXX XXXX XXXX. I have yet heard from XXXX XXXX XXXX and 15 days have passed. The debt is {$190.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Medical) with AR Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The hospital made a mistake and did not tell the XXXX department that this was a charity case from date of service due to non billable health insurance. 
I was never contacted by the collection agency before information was reported to the collection agency. 
I contacted A/R Resources collection agency I told them I do not owe this bill and to contact the XXXX department and they did not use proper collection protocol before reporting to the credit bureau. I have faxed over proof that I do not owe this bill and they are refusing to remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX To whom it may concern : I need assistance from your agency. Recently I applied for, and was denied a loan, due to the fact that a collection company by the name of XXXX XXXX, has placed a falsified, fraudulent collection debt on my credit files. 

This XXXX XXXX XXXX, has placed a falsified collection debt with a status date of XX/XX/XXXX on my credit files, as though I have had a recent outstanding balance owed to XXXX in the amount of {$500.00}, and none of this information is true. 

In XX/XX/XXXX, at the end of my contract with XXXX, I paid my last bill in full, and I have had nothing to do with that company in over 4 years. 

Back in XX/XX/XXXX, my sister and I were on a XXXX cell phone plan together, and during the time that we had that plan, everything that could go wrong for us with XXXX, and this plan did. 

We purchased telephones from them, and the phones were just garbage, constant issues, we were constantly trying to get assistance from their customer service, either by telephone, or we had to constantly go to one of their stores. 

Finally in XX/XX/XXXX at the end of our contract, we both paid our bills in full, and we transferred to another service provider. 

Supervisors XXXX XXXX, and XXXX XXXX from XXXX can verify what I have stated, my sister and I had dealings with them both at the ending of our contract in XX/XX/XXXX. 

This XXXX XXXX, has never contacted me regarding this fraudulent collection account prior to them placing this fraudulent debt on my credit files. 

Just a few months ago, I had to get my attorney involved, because XXXX had, had another collection agency to place this same fraudulent debt onto my credit files, and my attorney had contacted the other collection agency to remove the fraudulent collection from my credit files, or be sued. 

This XXXX XXXX is tarnishing, and ruining my credit rating by placing this fraudulent collection debt onto my credit files, and I want this fraudulent debt removed from my credit files immediately, and I want hard copy proof on their letterhead that this has been done. 

I would also like proof that they are licensed to collect in my state, as well as I would like them to provide their license numbers and Registered Agent documentation. 

I want XXXX XXXX, to cease and desist, I do not owe this fraudulent collection debt, or I will seek legal action against them. 

I want XXXX XXXX to reply directly back to the Consumer Financial Protection Bureau, and the Consumer Financial Bureau can contact me. 
This foolishness has to stop, and I want the Consumer Financial Bureau involved every step of the way.

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 04/21/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On  XXXX   XXXX ,    2017 I  sent certified letters for  XXXX   XXXX   XXXX   XXXX  {$550.00} ) as well as to  XXXX   XXXX   XXXX  ( {$250.00} ) regarding  XXXX  negative items reporting on my report negative asking them to validate the debt. After 30 days, I did not receive validation and/or verification of the debt in the mail as asked. Instead both agencies ignored my request all together and did not provide verification. In  XXXX   XXXX ,    2017 I rea ched out to Experian the agency where the acounts werre reporting negative and explained to them that I previously disputed these  XXXX  accounts with original agencies and received no response. They opened up a new dispute on  X/XX/2017   . I then called today  X/XX/17    to check the status, and per Experian they received verification of these accounts. I explained that how can they receive verification and I did not receive correspondence in the mail? I asked to get a copy of the alleged verification and was denied with the staff stating that the agency does not provide that information. As a consumer if I am disputing something on my report I am entitled to copies of documentation in response to my request and both the original agencies  XXXX   XXXX   XXXX  as well as  XXXX   XXXX   XXXX  failed to provide the information requested. 30 days later, Experian a reporting agency also failed to provide verification and/or validation of debt they have reporting negatively on my 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 05/23/2016 about Bank account or service (Other bank product/service) with U.S. BANCORP (MN).
Issue: Account opening, closing, or management

Complaint: I have had a longtime good relationship with USBank XXXX! I was XXXX while working On the Election Capagins XXXX in the XXXX XXXX XXXX XXXX. I had purchased a new Volkswagen Jetta Flex Fuel through XXXX XXXX in XXXX. I got the financing with XXXX XXXX and the XXXX. I got several XXXX XXXX Law Forms to help me get successful resolution of the insured debt and personal injury. US Bank did not have to pay off the accident. I am heavily insured and had a XXXX credit score. There was a change in management at US Bank. The new head is XXXX XXXX. I invested my settlement in a XXXX XXXX and a University XXXX XXXX XXXX. Employees at USBank and XXXX credit cards literally stole the monthly payment from XXXX of the Financial Institution with the highest ratings XXXX and America? While would USBank employees steal from XXXX XXXX. Fire the head of USBank XXXX XXXX and replace him with a more qualified woman president! Fir give my minor USBank credit card debt?

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 06/22/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a cosigner on my child 's XXXX loans. My child refuses to make payments or consolidate the loans even though they earn an excellent salary. Wells Fargo is aware of the problem yet they do not pursue the borrower at all with any notifications or attempts to collect, yet they come after me as if I were the primary borrower. 
Wells Fargo has stated that there is a vehicle by which I can be removed as cosigner. I have requested that they do this. Wells Fargo repeatedly states that someone will be in touch with me yet I have not received any contact from anyone at Wells Fargo regarding this promised modification. My spouse wishes to retire and we need to get this resolved. 
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 explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been disputing for a while with the credit bureaus and XXXX XXXX XXXX and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of XXXX but it is still on my credit report. This is over 6 years and should not be reporting per Georgia Statute of Limitations on Debt Collection. In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( XXXX XXXX ). My XXXX and my Transunion credit files are still showing this account despite the multiple disputes.

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 07/13/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Calvary collection agency is trying to collect on a debt for a MasterCard account via   XXXX   XXXX  . I do not recall ever having a MasterCard and have tried repeatedly to get proof the debt belongs to me by requesting a contract from Calvary bearing my original signature. Calvary has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that Calvary has been unable to provide this information and the debt still remains on my credit. Calvary is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XX/XX/XXXX and Calvary states it was opened  XX/XX/XXXX . Per the Fair Credit Reporting Act, changing the date the account is opened is against Federal  Regulations.

Company response to consumer: Closed with non-monetary relief