milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NE).
Issue: Account opening, closing, or management

Complaint: I have a retirement account at Wells Fargo setup through my employer. At the beginning of the year Wells Fargo sent a notice that all future retirement statements would be sent electronically unless I opted-out and requested them to remain sent by mail. Since then I have NEVER received it by mail even though I requested it several times. Each quarter I am re-signed up for electronic statements even though I do n't have an online account. I am then sent an email stating that I have requested it to be sent electronically. 

Every quarter they claim to change my delivery preferences but I NEVER EVER GET IT! I believe it is a deliberate attempt to force me into agreeing to their online XXXX which requires me to relinquish several of my rights. 

I have never agreed to have this account and have stated my distrust repeatedly. Wells Fargo has it setup with my employer so that my employer can make cash donations to Wells Fargo in my name. There is a retirement fund ( which I can not close ), which donations are made to ( which I can not move ), and all of it gets taken by Wells Fargo for " Bookkeeping Fees ''. They should be investigated for fraud and should NOT be able to use peoples identity against their will to launder money! 

Wells Fargo also uses my personal information to send me constant solicitation which I have requested numerous times to stop.

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 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Three charges appeared on my XX/XX/XXXX credit card statement from Bank of America ( attached ) for {$11.00}, {$8.00}, and {$14.00} that totaled {$35.00}. Bank of America sent 3 letters all dated XX/XX/XXXX ( attached ) acknowledging the dispute of the 3 charges as being fraudulent. Bank of America sent a letter dated XX/XX/XXXX ( attached ) indicating that credit for the {$35.00} would be made to my account and issued me a new credit card ending in XXXX with instructions to destroy my old credit card ending in XXXX. My credit card statement of XX/XX/XXXX ( attached ) shows that Bank of America did in fact credit my account for the 3 fraudulent charges of {$11.00}, {$8.00}, and {$14.00}. However, theXX/XX/XXXX letter from Bank of America ( attached ) FALSELY stated that XXXX had also issued credits for the 3 fraudulent charges in 4 ( four not 3 ) credits to my account and Bank of America was therefore adding the amount of the 4 credits from XXXX back into my account.. This action by Bank of America to add the 4 amounts is shown in the attached XXXX print of my online account. However, of the four credits which Bank of America indicated were made only the credit for {$14.00} was made by XXXX AND this was a credit for goods purchased by me from XXXX and then returned for credit as shown by my attached statement of XX/XX/XXXX and the attached receipt for the return. It was not a credit for the disputed charge of {$14.00}. The other 3 credits of {$8.00}, {$0.00} and {$11.00} that Bank of America alleged were made by XXXX never appear on any of my statements and were NEVER made by XXXX. Hence, the action of Bank of America of adding the {$35.00} of the credit it originally made for the fraudulent transactions is itself fraudulent and is only an attempt to cheat me out of {$35.00}.

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 04/22/2015 about Debt collection (I do not know) with Pinnacle Asset Management, LLC (WA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Debt collector called at XXXX. I answered and indicated that this was unacceptable as it was XXXX. The caller said, " Yes, it is XXXX in Washington State. '' At this point I told him that was unacceptable and ended the call. They 've also indicated in the past this is regarding a " possible lawsuit '', but refused to identify the original creditor.

Company response to consumer: Untimely response
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I signed up for an Amex Credit card that was supposed to award me XXXX XXXX XXXX miles after spending at least {$300000.00} and {$100.00} statement credit after the first purchase with XXXX Airlines. 

My first purchase with this credit card ( on XXXX XXXX, XXXX ) was two XXXX air tickets, but I 've not received my {$100.00} statement credit yet. 

Furthermore, I reached the {$3000.00} minimum purchase threshold on XXXX XXXX, XXXX XXXX more than XXXX weeks ago ) and, similarly, I have not received my XXXX XXXX Skymiles miles yet. 

According to the terms of service, the {$100.00} statement credit should have been posted XXXX weeks after the XXXX purchase and the XXXX Skymiles miles should have been posted XXXX weeks after hitting the {$3000.00} spending threshold. This was confirmed by a chat I had with Amex XXXX on XXXX XXXX XXXX ). There have been more than XXXX weeks I did the first XXXX purchase and more than XXXX weeks I hit the {$3000.00} spending threshold. 

I have already contacted Amex several times by chat and every time they asked me to wait ( this week, the last time I talked to them, they said there was a glitch on the system and that I should get my miles soon ). 

This has been extremely inconvenient. I was planning to use the miles in a trip I will take soon and Amex is messing up with my plans. 

I am attaching the XXXX statement ( where you can see that my first purchase was a XXXX purchase ) and the XXXX statement ( as you can see, I reached the minimum {$3000.00} purchase by XXXX XXXX XXXX. Also, I am attaching screenshots of a chat I had with Amex in XXXX XXXX ( where they confirmed that the deadline for the {$100.00} statement credit is 8-12 weeks and the deadline for getting the miles is XXXX-8 weeks )

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Last week I received a telephone call from someone trying to collect a {$29.00} outstanding balance on a Kohl 's Department store credit card. I do n't remember when the account was opened, but it was only a couple of months ago while I was making a purchase. On XXXX XXXX a payment came out of my checking account in the amount of {$100.00}, representing what I thought was the balance on my account. I was surprised that I was receiving a collection call and I informed the caller that had not received a bill for this outstanding amount. When the caller checked the records, he noted that their system had the wrong house number and a misspelled street address - a reasonable explanation for not receiving my statement. Thinking that this might have been some type of fraud, I informed the caller that I would call Kohl 's myself and made a payment over the phone. The {$29.00} was debited from my account on XXXX/XXXX/XXXX. My concern is that when I received my updated credit report yesterday, my credit rating dropped from good to fair because of the negative information posted by Kohl 's. I think it is unfair, but I am not entirely sure if there is anything I can do to have this information reversed. Any help you can provide will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Telemarketing scammers of Portfolio Recovery XXXX are trying to shake me down for imaginary, non-extistant debts. These vicious telemarking criminals are calling from about XXXX different telephone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2016 about Payday loan () with Rosebud Economic Development Corporation (NC).
Issue: Charged bank acct wrong day or amt

Complaint: I borrowed {$500.00} on XX/XX/2016 from Rosebud Lending XXXX DBA XXXX XXXX SD XXXX ( XXXX ) with an option to pay installments in the amount {$110.00} on the initial installment due XX/XX/2016 and {$140.00} due on XX/XX/2016. I called on XX/XX/2016 to make a payment for the loan agreement amt @ {$110.00} and was charged {$130.00}. On.Thursday XX/XX/2016, I called to make a second installment payment as per the agreement @ {$140.00} and the rep kept trying to take {$230.00}. I told her that my contract states a payment in the amount of {$140.00} was and she took that payment for the amount of {$140.00} On XX/XX/2016 this company drafted an additional unauthorized amount of {$230.00} from my account. I do n't know what that amount is and there is nothing stated on my contract for that amount.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have never applied for a credit card until XXXX and it was with XXXX I have no idea who XXXX is. 
XXXX, FL XXXX 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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, 2017 I mailed a letter to Equifax regarding the overland bond. This account was previously disputed and removed from my credit report. However, it appeared on there again. I submitted them documentation from them that this account has been removed previously but no action was taken. I also sent them a police report as instructed by them for unauthorized inquiries on my name, No action has been taken with that as well. Today I received an email with an updated reported to find that XXXX other accounts XXXX XXXX and XXXX XXXX have been placed back on my report as well. I 've attached documentation for XXXX XXXX and XXXX to show the accounts were removed. I 'm unable to open the document to provide for XXXX XXXX as it is outdated on Equifax site. According to FCRA Equifax is suppose to give me a five-day notice if they are placing anything on my credit file which was previously removed. I did n't get any notice just the accounts placed back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have had 8 years of identity theft on my credit reports. They took off over XXXX accounts and XXXX inquiries. They will not put my credit score where it was. It was in high XXXX. I worked hard on my credit and had no late payments. Can you help me fix this.

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 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Case number : XXXX - Your response was unacceptable, not to mention asinine! What do you mean not specific enough. Let 's review this again. 
1. ) Experian has a phone number on their website to call they advertise you can get to a live agent ; but, you can not. False advertising - specific enough? 
2. ) XXXX of the security questions from their public record IS WRONG! The make and model of my first car. XXXX ; t you think I would know the answer to that? They have it wrong, whatever it is and it needs to be changed! - Again - specific enough? Now, please refer back to my original escalation ( XXXX number : XXXX ), reopen it and forward to Experian and hold them accountable.

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 12/14/2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (WA).
Issue: Loan modification,collection,foreclosure

Complaint: This loan closed as a short sale with XXXX XXXX XXXX on XXXX/XXXX/16. The file closed, XXXX XXXX XXXX was paid, there was no money owing to them. Then recently the loan was transferred/sold from XXXX to Selene Finance. The loan should not have been transferred. Selene is now contacting the seller requesting payment and have not confirmed that the loan is paid. They are threatening foreclosure too.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (NJ).
Issue: Managing the loan or lease

Complaint: I leased a Mercedes-Benz C300 vehicle from Mercedes-Benz of XXXX, XXXX, in XXXX XXXX. At the same time, I returned my prior leased Mercedes-Benz C300 vehicle ( a XXXX model ) to the dealership. The XXXX car was registered in XXXX and, accordingly, bore XXXX license plates. ( I moved from XXXX to XXXX just a few weeks before starting the new lease ). The sales consultant with whom I worked assured me that the license plates on the XXXX car would be dealt with appropriately when I returned the vehicle to the Mercedes-Benz dealership. 
However, several months ago, I received a bill from Mercedes-Benz Financial Services for nearly {$900.00} in taxes owed to XXXX XXXX, XXXX, because the XXXX DMV never received the plates. I have called and emailed the dealership repeatedly since that time to attempt to figure out where the plates are so that they can be returned to Connecticut, to no avail. I believe that Mercedes-Benz Financial Services has also attempted to contact the dealership. Mercedes-Benz Financial Services claims that I owe them for the {$900.00} they spent on the XXXX XXXX tax, even though I no longer lived in XXXX when the tax was assessed, the car should not have continued to be registered in XXXX, and Mercedes-Benz Financial Services should therefore never have paid the tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2015 I received a notification on my credit report that I had a XXXX collections for {$300.00} reported. I disputed the charge with all XXXX credit bureaus and it was removed because I was able to prove it was not mine. Present day, the same amount was transferred to another collection agency and once again is being reported on my credit. I have contacted XXXX XXXX and still have not received a response. I am also disputing with the current collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being taken to collections for a service I never requested. I never received a bill, a late payment, any notifications of anything due, nor did i ever receive a phone call or notice of payment from the collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Problems caused by my funds being low

Complaint: My US Bank Small Business account was charged overdraft fees for XXXX transactions for which funds were available at the time which the transactions were preauthorized.

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 08-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My home loan is now being serviced by Ditech, Original Loan XXXX then Greentree I believe XXXX thru today 2016. In the Months of XXXX Thru XXXX of this year I have been seen discrupitancies having difficulty in speaking with a humane that 's does n't seem threatening. I am on a BI-Monthly payment which is every other Friday deducted out of my bank account. I started to notice in XXXX Late charges being applied to my account, when I called they said it was a computer err and would ask that the fee be removed, Again the following month another Past due charge was applied ... I called again ... " They will request this be waived '', Computer err my account is in good standing ... Then come XXXX ... I get a NON so Nice man Beating on my door, handing me a notice to Call Ditech.. I call no nothing 's wrong account is in good standing ... then I receive a letter notifying me that there has been a collection agent assigned to my account XXXX at XXXX ... PLEASE CALL " This communication is from a Debt collector. I call .... NO your account is in Good Standing ... THEN on XXXX I receive a Notice : This letter is to inform you about a Loss Mitigation : Temporarily Forbearance Agreement, which gives you time to pay your monthly obligation, If I are unable to make my payments, my best option to find AFFORADABLE Housing or oss Mitigation .... 
Additional ... Seek housing XXXX Assistance. 
Again sent from This communications is from a Debt collector Ditech Every time I call Ditech, I have to start from the beginning to be transferred to a supervisor only to be disconnected ... After XXXX Calls or MORE. That last person I spoke with was XXXX a supervisor who said I DON '' T want to hear again that you 're a Commercial lender and do n't need to know that you know what a Forbearance agreement is, when I asked that this letter of collection be retracted he clearly declined saying that last letter was only a sales tool and did NOT need to be retracted. As of my XXXX statement Thru my XXXX Statement and XXXX payments later I can only see approx XXXX Applied to my principal balance. I have asked serval times for the statement reflecting their accounting and how 's it has been applied with NO success to date

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I saw the lawsuit against Navient in the news, and wanted to provide you with information on my own account with Navient. On two separate occasions, I 've had to battle with Navient about the proper allocation of my student loan payments, on both occasions, I was ignored until I reached out to the customer advocate and threatened to take it further. ( I believe I still have the emails ). I also was told that I was ineligible for anything other than forbearance when I had lost my job and become unemployed. I tried finding an income based re-payment option, but was told I was only qualified for forbearance. I have tried to keep track of this company and their charges and fees, but the truth is, because the interest is added daily, it 's hard to maintain a balance. I feel like this company is corrupt and you can see from my payment histories that whenever I have made a complaint, all of a sudden a sum of money appears as a credit. I 've tried to make several calls over the years to speak to representatives, but they are incompetent. The only helpful people have been at the advocate office, and even then, I still feel like I 'm being cheated. If this lawsuit allows my record to be checked over and audited, I would be so grateful. I never chose Navient as a lender, I was passed on after XXXX XXXX. I really feel like there is something wrong with this company, and they are certainly not out to help the borrowers. Their practices are confusing, and I feel like I 'm being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX I sent a letter to Pinnacle to validate the debt that I owe, they received the letter on XXXX XXXX, I received a letter from XXXX date XXXX XXXX saying " Based on the content and circumstances of the enclosed letter, Pinnacle believes that it was submitted by, prepared on your behalf by, or submitted on a form supplied to you by a credit repair organization. Pursuant to 12 CFR 1022.43, such a dispute is considered frivolous or irrelevant, and no investigation must be conducted The purpose of this letter is solely to inform you that Pinnacle has deemed your letter to be frivolous or irrelevant, and has not conducted an investigation into the claims made therein. ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, I received a mortgage loan modification from IndyMac, without ever receiving a legal/official copy of the modification or a call back to discuss the questions I had. I knew my modification was approved because my monthly mortgage statements reflected it. After the modification, my mortgage was transferred to Ocwen. Ocwen mailed me a notice of the loan transfer amount, deferred interest amount, and dates interest would adjust annually, maximum interest of 5.25 % in XXXX. I have since called Ocwen to request to speak to a rep regarding refinancing to a lower, fixed interest rate. I also called to request a copy of my mortgage contracts. I keep getting transferred and do n't reach anyone that will help. I have excellent credit and want to refinance to a lower fixed interest rate, but can not do so because lenders want to see the contract, not just a current payoff statement letter from Ocwen.

Company response to consumer: Closed with explanation