milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery Continues to call at approximately XXXX XXXX even though I have 1. Identified myself 2. Told them to put me on their Do Not Call List. This is at least the XXXX time they have called AFTER I told them to put me on The Do Not Call List. They never leave a message. I only know it is them because my landline stores all my calls on my Caller ID. Whatever debt I may owe is close to 7 years old and is soon to be removed from Credit Reporting Agency Reports. This alleged debt has ballooned from approximately {$400.00} to approximately {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested Diversified Consultants, Inc. to provide me with proper verification of the allege debt they are claiming I owe them. I have not received proper verification and requested that if Diversified Consultants, Inc. could not provide me with verification to remove this negative trade-line from my credit history. Diversified Consultants, Inc. has failed to honor either of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.

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 05/24/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: I have been a model customer for wells fargo with a mortgage loan since XX/XX/XXXX. I never missed a payment. 
However, I am currently trying to refi the mortgage by consolidating the existing loan and a home equity loan I took on from them as part of the original package and it feels as if they are doing everything to make it impossibly hard to get through the process. How can this happen for an existing customer. The process is impossibly convoluted, the number of documents they need is unbelievably long. The mortgage consultant is not responsive and caused the first rate lock period to expire and now they are trying to add around {$2500.00} to the loan closing fees. It blows my mind that they do n't simply allow existing customers to just switch to a lower APR and streamline the process. 
We started the process XX/XX/XXXX and we still have n't closed the deal. They even asked me about an address in XXXX I had from when I was a graduate student back in XX/XX/XXXX-XX/XX/XXXX. Just insane how impossibly difficult they are trying to make it this process for me. It sickens me that financial reform did n't manage to fix these banks.

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 02/22/2018 about Vehicle loan or lease (Loan) with DRIVE NOW ACCEPTANCE LLC (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: On XX/XX/XXXX I purchased a car for {$11000.00} at XXXX XXXX XXXX in XXXX, Illinois. I put down a deposit of {$2200.00}. The car had XXXX miles on it. 
I paid an exorbitant price for the car for the sole purpose of improving my credit rating. The salesgirl told me that my payment history would be sent to all three credit bureaus. At the time, there were many inaccuracies in my credit rating. 
Since then, I have never been late on a payment. I cleared up all 19 inaccuracies on my credit reports. However, the finance company is only reporting to XXXX  and refuses to report my credit history to either of the other agencies. 
On XX/XX/XXXX I called the finance company , Drive Now Acceptance LLC. I explained the circumstances to the representative. I requested that they report my ( perfect ) credit to XXXX and XXXX. The representative refused. 
Additionally, since my purchase, I have been diagnosed with a XXXX XXXX and XXXX and have had to stop working. My XXXX income and an early pension ( which will go down to almost nothing in four years ) only come to $ XXXX/month. I would like to trade down for a smaller car with smaller payments. Drive Now also refused to discuss that. 
On XX/XX/XXXX I spoke with someone from your agency and she suggested I file a complaint. 
I really hope you can help me with this. I need to sell my house and rent due to my financial circumstances but I can not pass a credit check by a potential landlord until my credit is reported to all three bureaus and no longer reads " unknown ''. 
The car was purchased at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. Their phone number is XXXX. 
The finance company is Drive Now Acceptance LLC, located at XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. 
I still owe approximately {$6000.00} on the car because of the incredibly high interest rate. Please help me. I can't get a credit card or rent an apartment because Drive Now went back on the salesgirl 's promise to report my credit to the three credit bureaus. I have literally gone without food just to stay current on my $ XXXX monthly car payments. I don't have any family to help me out. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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: Dear Sir /Madam : This is Notice of a Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, Transunion, and XXXX pertaining to a credit card with XXXX XXXXXXXX XXXX acct # for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that the account you credited my payment to may not belong to me, and/or the reporting to XXXX, XXXX and Transunion may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( July 1, 2009 ), this Notice includes : Identification of the specific information being disputed I am enclosing both my payment for $ which you can see deducted from my account and my payment for $ both which were clearly deducted from my bank account, however xxxx is not reflected in my online payment statements. 

I have called XXXX XXXX several times trying to rectify this matter and only getting people giving me several different fax numbers to which I have set my bank account statements. I have also spent numerous days and hours on the phone with reps that have kept me on hold only to tell me the payment went to someone else in the household or another account. 

This is not possible. I am a single mom of a XXXX year old little girl and the only card I have from XXXX XXXX is the card ending in xxxx. If you look on the credit bureaus reflect on of payments they also show that XXXX has been paid. Yet my credit has been impacted to the sum of -30 points for an error that is not mine. 

I have made all of my payments on time for years and you can clearly see that in my account. The credit agencies also have the XX/XX/2018 payment checked off as paid yet are reporting a 30-60 day late payment. 

I am asking that this matter be resolved. 

Please feel free to contact me. 

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 12-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (UT).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I received a mailer from Citibank in connection with my credit card. The mailer offered balance transfers and included checks to do so. There is a number provided if one does not wish to receive balance transfer checks in the mail. I have requested a stop to these letters in the past. I called this number multiple times to confirm that in fact it was the wrong number. For some reason this number forwards to a leasing office for some sort of housing facility called XXXX XXXX at XXXX. That is obviously preventing me from contacting office in order to fix this situation. 

The mail was received on about XXXX XXXX 2017. 

The phone number provided by city is XXXX XXXX - XXXX - XXXX, I called on Sunday XXXX XXXX, 2017. I also have a recording.

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 10/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo is ripping off their customers. My checking account was not over drawn and while there were pending charges, XXXX of the charges were duplicates and I had made an additional deposit on the XXXX making the checking account balance. I talked to their customer service people and they told me that their screen is not the same as my checking account, and that they create over drafts by putting in the pending charges/checks. However, the pendings charges/checks had XXXX venders that doubled their charges. XXXX has cleared and the other should drop off by monday. My available balance had over {$1000.00} in it. This bank is practicing theft by deception.

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 11/20/2016 about Bank account or service (Checking account) with KEYCORP (OH).
Issue: Using a debit or ATM card

Complaint: This is in regards to my previous complaint to Key Bank. You denied my claim because I 'm a signer on my own checking account??? That makes absolutely no sense! Someone used my debit card without authorization and you 're unwilling to help me. Why? Because it 's going to take a little work on your part? 

Well, I went ahead and did most of the work for you. Just to review my previous complaint, I have {$5000.00} in unauthorized charges on my account from a XXXX. This company is illegal in the United States and to any U.S. citizens. Now, I went ahead and got in contact with XXXX to find out where my money is. It turns out that the " purchases '' on the debit card are actually deposits into a " brokerage '' account. I use quotes because it 's a sham. Now, I actually got them to give me the login info to the online account where my money is. It showed that it was all there. So, I told them I want to withdraw my money and they closed the account and wo n't give me anything back. I even told them that my card was used illegally. It does n't matter to them. They 're just in business to ripoff credit/debit cards. So, that is what has happened to my {$5000.00}. I just want it back!

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Consumer Loan (Vehicle loan) with SUMMIT FINANCIAL CORP (AL).
Issue: Problems when you are unable to pay

Complaint: On or about XXXX XXXX, XXXX I contacted XXXX XXXX at Summit Financial to verbally advise that I was voluntarily surrendering the XXXX XXXX XXXX. XXXX XXXX stated that it was the holidays and that no one was available to pick the vehicle up. I advised XXXX XXXX I was able to take the vehicle back to XXXX XXXX, he told me that I was not able to do so. XXXX XXXX advised that a representative would contact me at the phone number provided to schedule a time to pick up the vehicle. I received no contact from said person, XXXX XXXX received a call on XXXX/XXXX/XXXX from a woman calling from XXXX stating that they were issuing an enforceable warrant for my arrest but did not say for what reason or why. I called on XXXX/XXXX/XXXX at XXXX XXXX and spoke with an individual named XXXX XXXX XXXX whom stated that she was from the enforceable warrant reporting/processing office. XXXX XXXX advised she saw in the notes that someone spoke with me stating I was voluntarily surrendering the vehicle but that they were headed to court this afternoon to place a warrant for my arrest for not surrendering the vehicle. I advised her that I had not received a call from anyone stating they were ready to get the vehicle and that I had no problem with them getting the vehicle. She advised that I leave the key in the vehicle and the car unlocked so someone was able to come get the vehicle as long as it was not in a gated community. I advised her that I was not comfortable with that, that I wanted to be there and receive something in writing stating that they have secured the vehicle. She stated that Summitt Financial is a large company and that I would receive something in the mail 10 days later stating that I could pay off the debt to retrieve the vehicle or advise me of the debt which was owed. I advised her that I was currently out of town but the vehicle was at the residence which was listed on contract. She stated that they had to obtain the key, I advised them to tow the vehicle. She threatened to have me arrested and a warrant issued. I advised her that what she was doing was against debt collection practices and that she had no right to tell anyone that a warrant was going to be issued nor should I be penalized nor threatened with a warrant because Summitt Financial failed to contact me to schedule a pick up time. I have the emails and I am able to obtain records of my phone log to prove that I have initiated contact with the company to secure the vehicle almost 30 days ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OR).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: While applying for mortgage loans I discovered that my credit score was negatively affected by multiple cards opened in my name through CITIBANK, XXXX, and XXXX XXXX. They were opened years ago and never used, but having so many cards opened hurt my score. When I called Citibank, they said their own fraud department had flagged and closed the accounts. I was never alerted to these fraudulent cards, and they still appear on my credit report to this day. I believe these cards are hindering my ability to purchase a home and need them taken off as soon as possible. The cards were opened in states I have never lived in. The XXXX XXXX is also fraudulent. They claimed it was removed from my report but it is still there. Cards are listed bellow. CITICARD CBNA - opened XX/XX/XXXX ( 3 cards ) ( remains open ) CITICARD CBNA - opened XX/XX/XXXX - closed XX/XX/XXXX XXXX - opened XX/XX/XXXX - closed XX/XX/XXXX ( 2 cards ) XXXX XXXX - last reported XX/XX/XXXX ( remains open ) At the end of the complaint report it asks for the address associated with the card. I do not have addresses for any of the fraudulent cards, but it wo n't let me continue without one. I will check the box that it is the same as mine, but that is incorrect.

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 07-04-2016 about Debt collection (Mortgage) with Ditech Financial LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: They sent letter saying I can get my assistants takin away So I called they wanted me to pay {$100.00} I said I can pay {$10.00} a month he said I want to see if u will be honest so I will take it someone said if I was going to get the house I said no he said why u pay it I said to be honest he said they done repo it I said yes he said u live on fixed income u ca n't afford to buy home if ur not going to live there I was scared they take my XXXX I do n't know the law like the guy on phone now I guess because I sent {$10.00} I can get sued if I do n't keep paying the guy said he was n't going to make me pay but wanted a {$100.00} I have XXXX I believe letter take my money away

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received 3 promotions so far i only got paid for one of them. 
# 1 : started XX/XX/XXXX and ends XX/XX/XXXX earn a {$25.00} statement credit with XXXX if i make 3 purchases of {$25.00} or more which i did. 
# 2 started XX/XX/XXXX and ends XX/XX/XXXX Shop XXXX and earn a special offer also spend {$25.00} or more on three different purchases which i also did. 
# 3 We 'll Pay You {$10.00}. Just for Paying with XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX which i also paid on XX/XX/XXXX through XXXX and the amount was XXXX. 

so far i only got {$25.00} and after i contacted them they send a paper by mail saying that they already credited XXXX before and thats it .. the issue is resolved. Whenever i try to contact them i have to waste an hour or two of my life to contact them. I am really bored of this strategy and if you can help i would really appreciate it. 
I do n't care as much about the money as i care about the whole lies about their promotion! 

I have attached proofs of my claims 11 pictures of the emails i received and other documents

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 05/29/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America is holding {$12.00} XXXX attachment ) as Bank of America XXXX damaged my home. XXXX XXXX attachment ) roof, broke my front door down. I made a claim with my homeowners insurance company, Bank of America told me that they will foreclose on my house instead of releasing the funds owed to me. The police investigated the Bank of America XXXX damages and break in : The XXXX incident number ( XXXX ) was generated when XXXX of our officers responded to your property when a neighbor reported a suspicious person walking around the residence. 
The XXXX incident number ( XXXX ) was generated by XXXX XXXX at the time you spoke with him about the Bank of America XXXX XXXX burglary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I spoke to an representative at Transunion Credit Reporting and indicated I was a VICTIM of their inquiry issue. 

The representative refused to help 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 explanation
Consumer complaint received 07-06-2015 about Credit reporting () with Credit Technologies, Inc. (SC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I contacted XXXX XXXX president with XXXX after I spoke with a Consumer Financial Protection Bureau rep XXXX who gave me their number. I explained that I would have them investigated for compliance violation because I did not process an application online or give written signature permission authorize a to pull my credit reports. XXXX XXXX got my information from his wife XXXX that I was on Social Security and I told them that I was in XXXX and was not willing to do any business unless I meet with his VP in personally XXXX XXXX to discuss if the company uses it as a source of income. XXXX XXXX was also cc 'd that if the inquiries were illegal and impermissible and if not removed I would contact the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation