milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Settlement process and costs

Complaint: XXXX History of Wells Fargo Foreclosure XXXX, FL XXXX XXXX XXXX/XXXX/XXXX When we stabilized financially 3 months later Called Wells Fargo and tried to set something up to get house loan caught up. 
Was told they would not except any payments as we were in Foreclosure Wells Fargo Stated not to worry we would get a loan modification. 

Sent financial papers requested by Wells Fargo for 6 months with me calling them once or twice a week. 

Were told not to worry about the original foreclosure date as it would be pushed out since I was in line for a loan modification. 

As Wells Fargo had not told me anything truthful since I started talking to them We contacted their lawyers. 

Deal was struck ( Stipulation ) with their Lawyers to catch up on payments. Sent $ XXXX and was to make $ XXXX payments for 13 months. ( Which I did ) They foreclosed after I had made agreement. Wells Fargo bought my house at action for {$70000.00}, on the tax rolls as of XXXX it is appraised at {$250000.00} Contacted attorney ( XXXX XXXX ), He went to court and had Foreclosure reversed. 

Made Twelve of Thirteen payments. Wells Fargo went back to court and got new sales date set for XXXX, XXXX. 

Paid thirteenth payment. Wells Fargo set new sale on XXXX/XXXX/XXXX Attorney ( XXXX XXXX ), went back to court and stopped sale again. 

Attorney ( XXXX XXXX XXXX, Had me go to Wells Fargo and start making Payments. 

Wells Fargo informed me they could not accept any funds as I was in Foreclosure. 

Attorney ( XXXX XXXX ), had us make payments to the court registry. 
{$1700.00} a month for 12 months, which we did. Notified their lawyer every month of payment sitting at court registry. 

XXXX/XXXX/XXXX Went back to court, Wells Fargo did not show up. Order vacating Final judgement dismissing case with prejudice. ( my favor ) XXXX/XXXX/XXXX Went back to court, Wells Fargo did not show up. Court ordered funds in court registry given back to me. $ XXXX Dormant for 2 years 4 months. Not a word XXXX/XXXX/XXXX Wells Fargo Started new foreclosure case using different date different case. Before their new date I had paid $ XXXX to them or to court registry. 

XXXX/XXXX/XXXX 2nd Case Dismissed under the XXXX XXXX XXXX XXXX 

XXXX/XXXX/XXXX Sitting in limbo again

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 09-06-2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: sent letter requesting back up for the collection on my report did not receive a response. 

If back up can not be provided please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing/Cancelling account

Complaint: Bank of America closes an 18 years old checking account that has an impeccable record for its entire history. Bank of America cites " business decision '' .without giving any specifics. The closure of the checking account has led to the closures of XXXX credit cards issued by Bank America. All Earned rewards are confiscated and Pending rewards are forfeited. 
Please see attached write up for the details of the complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Other

Complaint: I recently got a Chase preferred credit card and received a pamphlet with their ostensible benefits. XXXX of these benefits was travel cancellation insurance. XXXX of the excluded conditions was " a pre-existing condition. '' When I called to find out how they defined that, they read me a definition over the phone. But when I asked that that be sent to me in writing they refused. This was the benefits administrator, who then advised me to call Chase directly. Chase also refused to send this information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit card () with JPMORGAN CHASE & CO. (FM).
Issue: Credit determination

Complaint: I inadvertently created a Chase Bank credit card inquiry for an Amazon Card on XX/XX/2016. 
I meant to cancel the online inquiry but mistakenly submitted it. I contacted Chase Bank immediately be phone and they said it had n't been processed and they would cancel it. 
It has appeared on my XXXX score ( via XXXX ) and negatively affected my score. Additionally, the request was denied?? Can you intervene and have this removed from my XXXX scoring? Thank you..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/15/2016 about Credit reporting () with Credit Plus Inc (CT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: hello I am a XXXX veteran this company ran my report I never gave verbal and or writtenconsent to authorize use and or to run my credit report and this is hurting my credit really bad and need your help removing it. 
I 've tried to call and talk to thesecompany but never have any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Hi, On XXXX XXXX, I opened a Citigold checking account with a promotion code I had received, namely XXXX. According to the promo, I was promised XXXX XXXX miles upon completion of certain criteria, which I met XX/XX/XXXX. I had contacted Citi multiple times since then. Each time, they told me that I am eligible for the promotion, that I met all the requirements, and that the miles would appear in the next statement cycle. Namely, I was told in XX/XX/XXXX that the miles would appear by XXXX XXXX, was told in XX/XX/XXXX that the miles would appear by XXXX XXXX, and told in XXXX that the miles would appear by XXXX XXXX. I have attached evidence of one such letter from Citi. 
As of the date of the complaint, the miles have still not been rewarded, despite having been promised multiple times that they will be. Given that Citigold is Citi 's highest banking tier, I should have been treated with more courtesy - namely, given what I was contractually promised, after having met the requirements for the offer.

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 07/24/2015 about Bank account or service (Savings account) with SYNCHRONY FINANCIAL (TX).
Issue: Deposits and withdrawals

Complaint: I requested fund transfer out from my Synchrony Bank joint saving account to an external bank account I had linked up with Synchrony, but Synchrony kept canceling my transfer requests XXXX times without even an explanation or email/letter notification ; therefore, I was unaware of the reason. Because of the delay on Synchrony part, my check bounced and the external bank charged me {$34.00} fee plus the vendor charged me {$50.00} for return check. When I called Synchrony, their customer service reps including a supervisor named XXXX XXXX from the Kansas call center were rude and basically blame me for not setting up the external links properly. I asked them if that was the case why I never got an email, a letter or a phone call from them as a courtesy. They do not have any problem taking my money, but will not allow me to get my money back? This is unfair, misleading and insulting to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am currently in a rehab program on  XXXX  of my student loans. I was told the  XXXX  loan does not qualify for this rehab but that I can not make any payments on it until the rehab program is complete. I just received a wage garnishment on the  XXXX  loan and when I try and call the number on the form I am transferred around and hung up on or I get a recording and no one ever contacts me back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: A dispute was filed but the issue was addressed XXXX XXXX 2016. A company XXXX reported the account paid in full and the account was closed. A XXXX XXXX with Equifax stated that thye company XXXX did not submit the updated information. I explained that I spoke to XXXX before calling Equifax and it was stated to me that all the credit bureau 's. XXXX XXXX again stated that no updated information was submitted to them. The account was paid off XXXX XXXX 2016 ; the letter was forwarded to me from XXXX XXXX XXXX 2016 ; and I spoke with XXXX XXXX XXXX 2016 before I call Equifax and XXXX told me the same thing '' We report to all XXXX credit bureau 's. '' Equifax failed to of chose not to make the changes to my credit report. And XXXX XXXX indirectly confirmed that. because the other XXXX bureau 's made the changes ... Equifax chose not to. This needs to be corrected now not in 30 days or 45 days. It should be addressed NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (I do not know) with MILLENNIUM FINANCIAL GROUP, L.L.C. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I wrote a letter 30 days ago demanding legal validation. XXXX has ignored 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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I  had to file for bankruptcy and it was discharged. My   XXXX    credit reports continue to show balances on accounts that was discharged. I am trying to re build my credit and this continues to hold me back.

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 07-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My ex filed a bankrupty procedure back in XXXX 2015. Unfortunately, I had not yet moved the mortage into my name alone. now his bankruptcy is keeping me from paying my mortage. I have tried repeatedly to reach out to Wells Fargo so I can continue to pay the mortage, which I had been paying on my own for over XXXX years until Wells Fargo stopped deducting the auto payments from the account. Now, now one will speak to me at Wells Fargo. The bankruptcy that my ex filed is ruining my credit as Wells Fargo is reporting the debt as outstanding on my credit report. I have called wells fargo and have given them the acct several times and have asked that they deduct the payments and nothing, the money is just sitting there.

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 11/28/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting a collection account from XXXX ( original creditor XXXX ) in the amount of {$84.00} ; I have never had any kind of XXXX from XXXX and, to my knowledge, do not owe this debt ; I disputed the account with all XXXX credit reporting agencies and the account was removed by XXXX and XXXX, but continues to be reported by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I filled Bankruptcy and Included a credit card within the Bankruptcy which was successfully discharged, however Bank of America places a Judgment on my credit for that debt which was discharged. I need the judgment removed from my credit and the issue rectified on Bank of America System of record to show this was discharged. I have contacted BOA several times by phone and in writing and have been Ignored. please review the correspondence I send to BOA.

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 11-10-2017 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: Information belongs to someone else

Complaint: On XX/XX/XXXX after reviewing my credit report I notice that 2 fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are still being reported on my credit report after repeatedly mailing my FTC report, police report and identifying information since XXXX of XXXX. I submitted my information over 6 times however they keep sending letters stating it was verified when I have sent documentation via certified mail requesting proof over 4 times. I have been getting the run around through the mail with the agency without any progression which has negatively effected my score and cause me great financial hardship.

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 12-10-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I have made a payment plan to catch up my payments of {$740.00}. I have made the second payment on XX/XX/2016. Bank of America keeps sending people to my house even though, I have requested them not to, and they have agreed to stop doing it. But I found something on my door a note that somebody has left telling me to contact them. Bank of America is discriminating against me because I am a single female, they refuse to apply the payments that I have made. Another thing that Bank of America has said that I 'm behind for XX/XX/XXXX payment. I saw on my last statement that {$520.00} Bank Of America has put in the un applied funds besides toward the payment.

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 11-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: A company took advantage of me and my information that is not in any regards to my loan people

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was called and harrassed about my student loans. I wad not given alternative repayment options. My loans were XXXX then placed with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX   XXXX  requested my score from  XXXX  bureaus. The reporting agency was  XXXX .    XXXX   XXXX  Experian  XXXX  Experian  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  reported a  XXXX  Score of  XXXX  I pay Experian for my monthly score, they reported  XXXX    XXXX   XXXX   XXXX   XXXX  reported  XXXX  Why is it that when I request a loan, the scores are significantly lower than the scores that are made available to me otherwise?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: It shows on. XXXX. That this debt was turned over to XXXX and it was payed now theres a new account open to a new collection agency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: I was trying to sign up for the community college around XXXX 2015 and my cousin dropped me and my other cousin off there. I accidentally left my bag in the car when she took us home and not realizing that I did until she had left. A few weeks later I needed my birth certificate and when I could n't find it I remembered that she took us to sign up for school. I asked her over and over again about my information and she tried to make it seem like she did n't know where it was at. So a few weeks after that she called and told me that she had my social security card and birth certificate and that she would take it to her mothers house. I went over to get my papers and my aunt said that her daughter never came over that day and my cousin was swearing up and down that she did. After that she stopped answering my phone calls so I went and filed a police report. I 'm just now figuring out that someone is using my information to open bank accounts in my name. I filed the police report in XXXX of 2015 but I 'm just now finding out about fraudulent behavior using my information. I was calling my debit card to check my account balance and I got lazy and did n't feel like typing in the whole card number so I just typed in my social and birthday but it said that I have multiple accounts using my information. I should only have XXXX account which is my checking account but it was saying that I have multiple accounts so I instantly knew that something was wrong. If you can please help me and contact me soon as possible I will greatly appreciate it. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a dispute to Equifax electronically about the validation of my student loan with XXXX. I have yet to receive a response electronically or by mail to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been having issues with Rent Recovery Solutions LLC. The representative who is in charge of the account with my name on it, " XXXX XXXX '' will not withdraw my debt for XXXX accounts that are in collections. XXXX account, for XXXX in XXXX GA was for a broken lease for XXXX XXXX, with my name printed on the lease but was never signed by me. The other account, for XXXX XXXX XXXX, in XXXX, GA was also an apartment complex that Rent Recovery Solutions says I owe for a broken lease but my name is missing from their collection documents and so is my signature. Rent Recovery Solutions, LLC. will not allow me resolve this debt unless the apartment complex 's corporate office sends them something in writing. The corporate office for XXXX XXXX XXXX, named XXXX XXXX, was able to send in a " debt cancellation/debt withdrawal '' letter acknowledging that they did in fact send my information to Rent Recovery Solutions LLC in error. XXXX XXXX at Rent Recovery Solutions, LLC. advised me on XXXX/XXXX/2015 that she did receive the letter from XXXX XXXX XXXX XXXX XXXX, 'XXXX '' ( Phone XXXX ) to withdraw my debt and that it would take 45 days to remove from their system. She advised me that this would not be removed from my credit report and that there was also still an unpaid account left in my name for XXXX XXXX XXXX XXXX. I recently visited XXXX XXXX XXXX 's Leasing Office with documents from Rent Recovery Solutions proving that my name was missing from their documents and they advised me to get in touch with corporate to have it removed from collections due to error also. I contacted the corporate office of XXXX XXXX XXXX, named XXXX XXXX ( Phone XXXX. XXXX. XXXX ) on XXXX/XXXX/2015, and they advised me that they did not have my name in their system as having a lease with them. I asked if they could send something in writing to XXXX XXXX at Rent Recovery Solutions proving that this account was in error, and the representative at the corporate office advised me that all he could do is call Rent Recovery Solutions and asked for it to be removed, he refused to send any documents on my behalf in writing. After following up with XXXX XXXX at Rent Recovery Solutions, she was becoming very difficult to work with. She advised me that she understood my name or signature was not present on any of the documents she had on file for my account but said my only XXXX options were to get the corporate office of XXXX XXXX XXXX to send something in writing or pay a debt that was not mine. I am unable to get any more responses from the corporate office or from XXXX XXXX at Rent Recovery Solutions and wanted to reach out for more assistance before this becomes a legal matter. XXXX XXXX 's at XXXX XXXX XXXX direct number is : ( XXXX ) XXXX. Please assist me with getting these invalid debts removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit inquiries from unknown sources

Company response to consumer: Closed with non-monetary relief