milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: This is my 9th complaint Re : Select portfolio and their illegal unethical tactics- I filed my 7th complaint with CFPB re : SPS on XX/XX/XXXX COMP # XXXX and SPS never responded to me or to CFPB. I would like my complaint answered by SPS- My last complaint filed about SPS -COMP # XXXX was filed on XX/XX/XXXX at approximately XXXX. In that complaint one of the many issues was the different foreclosure dates between Sps and the company they hired to foreclose XXXX XXXX. I also provided documentation of the inconsistency and how they notify me by sending numerous letters some by register mail an some not advising of the postponement of sale- however the last sale date of XX/XX/XXXX was postponed to XX/XX/XXXX and never was notified by Sps until 2 days after I filed COMP # XXXX. The notice dated XX/XX/XXXX stating sale date was postponed to XX/XX/XXXX- ( see attached documents ) Why a 3 day postponement? On XX/XX/XXXX approx XXXX XXXX XXXX ( SPS employee -Obudsmen Department ) called and left me a voicemail stating " his name -he was calling from sps ombudsman and to call him back at re : a very important call -call back @ is ( XXXX ) XXXX press # 3 XX/XX/XXXX apprx XXXX I called the number back and spoke with XXXX XXXX with obudmsman -I asked for XXXX XXXX she stated he was not  available - I advised her of the message he left - she then asked to put me on hold- came back a few minutes late did not know what XXXX had called for I stated he said it was important -she did not see any notes on what he called for - asked if I had any questions re : the complaint that I made. the only question I asked was what date of sale did she have she stated XX/XX/XXXX I would like to know why the message about important call was made? was it to get me to call?? XX/XX/XXXX I received from sps another notice of sale postponement -new sale date XX/XX/XXXX Sps has still never answered many of the quality written repose requests- never addressed the falsifying documents -never addressed the hamp denial I have provided multiple evidence that they do not have the legal authority to do what they have done and are still trying to do. and again Provide an answer to complaint I filed with CFPB on XX/XX/XXXX as I never received a response nor was one provided to CFPB COMP # 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 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i have unathorized credit inquires on all 3 credit report agengencys equifax XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (I do not know) with American Credit Acceptance, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " American Credit Acceptance '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I was trtrying to see my loan on line and was told that I am blocked. From seeing it. Because I am delinquent on my loan and that it will only let me request lost Mtigation information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Customer service / Customer relations

Complaint: Macys credit card system application takes them a whole day to fix a problem, they do not give the right information to customers to the point that you dont know what to believe anymore. It is frustrating to wait and wait to get answers that only leaves you with more questions and upset. Im really disappointed at the customer service im receiving every time i call i feel like im making an out of distance call. I cant deal with the wait and non solution situation anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day.

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 07/23/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: My credit card last month stopped earning it 's promised XXXX earning bonus on restaurants. I filed a complaint with Citi about it and was told 'a notice came telling you it was changing '. The fact is, that is not true. I was never notified of any changes to my card. In fact, I just looked online And there are no notices on any statements or records of other documents sent to me.

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 01-02-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: My partner and I had removed our overdraft protection from our Wells Fargo checking account. The removal is supposed to prevent the approval of transactions if there is n't enough funds to cover a transaction. However Wells Fargo allowed 12 transactions to clear @ {$35.00} per instance totaling {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Last bill dated XX/XX/2016 shows account paid in full and a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other

Complaint: In XXXX of XXXX, I received a ( XXXX ) letter from Internal Revenue Service stating claims of a cancellation of debt for {$4900.00} from Citibank from year XXXX. I have never had a credit card with Citibank. I immediately call Citibank in New York XXXX, the address on the letter. I spoke with XXXX XXXX ; ID # XXXX. This person took my information that identifies me and I was told my information did not match what they had on file. I was told there was no account in my name according to the account number on the XXXX letter. I was instructed by XXXX XXXX to fax a statement refuting the claim and to also fax a copy of the letter I received for IRS. On XXXX XXXX, XXXX ; I faxed a statement and a copy of the letter to XXXX XXXX to ( XXXX ). I requested verification in writing to be sent to me at my address and/or my email address. After two months of no response from Citibank ; I called Citibank again asking for written verification. I was told they would do more research and get back to me. To date, I have not received a response nor a resolution to their claim sent to IRS. The IRS is attempting to collect additional Tax from me because of this claim. I have a right to a copy of the documents related to Citibank claim of Cancellation of debt sent to IRS.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account on my equifax credit report that I have disputed three times that is reporting fraudelent information. The company 's name is XXXX XXXX. I went into this company to try to get it resolved after a third dispute thru equifax on XX/XX/XXXX. The company 's owner refuses to talk to me. He sends a very rude woman out to talk to me about the account. She says the account is not even in their files anymore. I kept trying to show them on my phone how it was reporting on my equifax report. The lady continue to be rude and talk over me, so I left. It is reporting on my equifax report as an open installment loan from XX/XX/XXXX with a XXXX balance. The results of the third dispute with equifax came back on XX/XX/XXXX stating that XXXX XXXX claimed that the account was included in my bankruptcy. I filed for Bankruptcy in XX/XX/XXXX. The XXXX XXXX account was paid off well before then and was not included in my bankruptcy. I called Equifax on XX/XX/XXXX and talked with a supervisor. She looks at my report and sees that the XXXX XXXX account is not correct and still tells me she ca n't do anything about it. She then tells me to dispute it a fourth time. Now I have been paying for equifax credit monitoring services every month since XXXX and this is how they treat their customers. They see fraudelent activity and wo n't do anything about it. So I told the supervisor at equifax I was cancelling my services. She was very nonchalant about it and connected me to the cancellation dept, so I cancelled my services. I called XXXX XXXX after I got off the phone with equifax. The same rude woman answers the phone. I said please hear me out I 'm begging you, please let me explain how y'all are keeping me from fixing my credit. She talked over me and hung up the phone in my face. Despite to find a solution I talked to my bankruptcy lawyer. They said they can write XXXX XXXX a letter stating that they were not included in my bankruptcy, but they ca n't make them change anything on my credit report. So I researched online and found CFPB. I am praying that CFPB can resolve my problem with this XXXX XXXX XXXX that has been treating me with unbelievable disrespect.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar has a sale date on my home for XXXX XXXX, XX/XX/XXXX the Notice of XXXX was filed illegally with the wrong amount on it. The past due amount we were given was {$230000.00}, the Notice of Default which was filed 5 days prior the amount was {$310000.00} there was a XXXX difference increase without any justification. We challenged the validity of the debt which was never resolved, our loan was transferred by XXXX XXXX XXXX without a decision for 3 years to Nationstar, we filed a complaint # XXXX on XXXX/XXXX/XX/XX/XXXX The Notice of Default trustee was XXXX XXXX XXXX XXXX. The Trustee has changed to XXXX XXXX XXXX XXXX XXXX XXXX without any notice of a change of Trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Last week I have called Bank of America advising them of activities emailed to me of my account. They reset the online ID and PW. On Monday, XX/XX/18 our pay was wired into our account around XXXX pm and around XXXX pm someone logged into my online account, created a safe pass with their number, created a transfer account, transferred {$800.00} from my saving into the checking and self wired same day {$1900.00}. The recipient address is in XXXX. I found this out when I logged into my account the method I always do, via my app using my TouchID fingerprint, and noticed the incident. I reset my ID, and PW again, called the bank at XXXX am on XX/XX/18 and closed my accounts With all the alerts I have set up for my account, I never was alerted or flagged that a safe pass was created, another computer accessed my account or never done a wire same day transaction. They not only breached my account but the bank security feature and they won't take responsibility. I have to wait 10 days for my funds to get back according to them.

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 06-05-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (CO).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I attempted to access my account online and was notified by the online portal that my account had restricted access and that I had to call their help number. This first occurred on XXXX XXXX, 2017 which was a sunday. The number I called notified me that their helpdesk was closed. So, I called again on Monday XXXX, 2017, the date I am making this complaint. After speaking to the first person, they told me I had to go to a SunTrust bank branch in order to prove my identity and have my account unlocked. This is not possible because I live in Colorado and they do not have branches west of the Mississippi. So, that person told me to call the branch in which I opened my account. Which was the XXXX, FL branch. After speaking to the fraud and support specialist there, they informed me that they can not do anything with my account unless I go in to the branch in person. They then directed me to speak to SunTrust 's fraud department over the phone. After speaking to multiple people in this department who all gave me the same " you have to go to a branch '' they finally escalated the call to a supervisor who then gave me the same " you have to go to a branch '' response.
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So, I am stuck here unable to access my accounts with SunTrust because they are, for some reason, requiring me to go in to a branch to verify my account. Over the phone I verified my name, address, account number, social security number, etc and they still said that I have to go into the branch. As you can tell, this is an absurd request on their part.

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 09-02-2016 about Credit card () with FIRST CITIZENS BANCSHARES, INC. (SC).
Issue: Rewards

Complaint: My cash back XXXX card did not credit me with the correct reward dollars I accumulated in XXXX. This card is issued through First Citizens Bank. I have been told that it is being " researched ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I received a letter from wells fargo with them offering me medication. Wells fargo told me that it could be any issue that i had with them. I sent in my problem i had with them. I received a updated letter with them stating that they would not proceed with medication, because of the issues that I raised was not regarding the unauthorized account opening.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: LVNV FUNDING is re-aging debt and it has listed debt as a collection account, when it is duplicatively listed on the same credit report under the original creditor. See attachments of screenshots of my credit report which shows duplicative entries for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I am an American Express  XXXX  platinum cardholder and have been the victim of fraudulent advertising., I received a promotion targeted offer from American Express in  XXXX ,    2016  promising me  XXXX  bonus miles and  XXXX    XXXX   qualifying miles if I spent {$75000.00} on their card in  2016 . I registered for the promotion and spent the qualify g {$75000.00}. I have never received the promised bonus or  XXXX  miles. I have called American Express repeatedly and have received a variety of answers including : yes they see the promotion and wait, the miles are on the way ; they see the promotion but do n't know why I have n't gotten the miles ; references to a computer glitch and no notes in the record regarding my disputes ; promises of supervisory callbacks that never happen ; and today   XXXX   at  Am  Ex advised me no such promotion existed. I have a copy of the promotion and a record of the different employees I spoke with along with their employee ID number. I will attach my documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I first sent out my disputes to the XXXX CRAs on XXXX via fax and certified mail the same day. I only sent XXXX letter to TransUnion without " additional information ''. This is the way that everyone sends in their disputes. I received a letter today stating that my original letter was received on XXXX/XXXX/XXXX and " additional information '' was received on XXXX/XXXX/XXXX, therefore they have an additional 15 days and that it will be completed on XXXX/XXXX/XXXX instead of the 30 days mandated by law under FCRA XXXX XXXX. This is unlawful ; I never sent anything other than my XXXX letter with identification. They are not allowed to do this. I know many people who have done the same thing and they did not receive letters as such and I have also consulted an attorney and they said this is against the law. They MUST process within 30 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Mortgage (Home equity loan or line of credit) with QUICKEN LOANS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We have attached court documents which stipulate payments to quicken loans. After our home went into foreclosure through no fault of our own AND we were force to pay nearly double the amount of what we owed ; from {$5700.00} to {$10000.00}. We are furious as well as exhausted from going back and forth to court without a decent attorney guiding us. After we believe this was settled and address, we have gotten a letter from quicken that we are 49 days past due ... .although payments have been sent each month per instructions of court stipulations. In addition, this is exactly what XXXX XXXX was afraid would happen and directly ask the attorney if this was a possibility, for which both sides replied no. I will file an emergency with the court clerk to address this issue. Finally, also attached is a copy of a check sent by quicken loans for an over payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-11-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In my experience with this company they have done the following items : Threatening a lawsuit and other legal action Improper contact ( such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call with written letter mailed stating clearly to do not contact ) Disclosing the existence of the debt to third parties and knowledge of other debt Continuing to attempt to collect debt that was not owed or that had been paid. 
Made arrangement to pay off prior debt, Close and remove debt for credit history Failed to compete their end of the settlement Failure to accept payment arrangement on multiple occasions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: CREDIT BUREAU HAVE NOT PROPERLY INVESTIGATED NOR REMOVED FRAUDULENT ACCOUNTS OF MY FILE WH EN IM A VICTI M OF IDENTITY THEFT

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 05-09-2016 about Consumer Loan (Installment loan) with FIRST NIAGARA FINANCIAL GROUP, INC. (NJ).
Issue: Shopping for a loan or lease

Complaint: I 'm starting to think I might have been a victim of predatory lending. I am only 2.5 years into my auto loan with First Niagara Bank, and I 've noticed the current value of my car is only XXXX and my auto loan balance is XXXX How in the world did they sell a car for so much more than what the car was worth? I 've asked the lender if I could do some type of refinance to somehow save on interest so I could pay more to principal, and I ca n't I 'm stuck.

Company response to consumer: Closed with explanation