milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have been off work sick for over 2 years and we got local provider to help us out and they have almost XXXX dollars to give to catch us up on our mortgage. We have had the money sitting since XX/XX/XXXX, our account would have been current since then if anyone were able to do their job correctly! 
we and the person with the money has tried to no avail to get someone to send a XXXX to them so they can release the money no one seems to know how to do their job and all I 'm doing is being put on hold and switched around from person to person. 
no matter which XXXX XXXX or XXXX number they give me it directs me back to my loan specialist who is out of town on vacation for a week and when the week is up so are the funds that were given because no one knows what is going on at wells fargo and we can not get ahold of anyone at america 's servicing company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Hello, this is in regard to the previous CFPB complaint XXXX. 
American express has responded to my claim that they confirmed with XXXX that the XXXX points have been successfully transferred to etihad airways account in XXXX which was NOT true. I have attached the account activity from account XXXX for the reference. I also have contacted XXXX that they never received any American Express points on this account. 

Here is the full story : I was trying to transfer XXXX points from my XXXX MR account XXXX to XXXX account in XXXX on XX/XX/XXXX and it was rejected as I realized later that I could not transfer to my wife XXXX XXXX 's account. So I made another transfer of XXXX points to my own XXXX  account in XXXX which was successful. I have contacted XXXX that the account XXXX has NEVER received any points from american express. I did not authorize the transfer that happened on my account on XX/XX/XXXX as the transfer made on XX/XX/XXXX to XXXX was NOT successful. Please see the attachment from the account activity. 

Please return the XXXX points to my MR account or have them transferred to XXXX. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with JPMORGAN CHASE & CO. (NV).
Issue: Advertising and marketing

Complaint: I received an email from Chase saying I could get {$30.00} off a {$150.00} purchase at Amazon.com on Prime Day ( today ). There were some conditions - all items must be shipped and sold by Amazon.com. I spent a good hour making sure that I met all the conditions for the sale. At checkout, the promotion code did n't work. I was told by Chase to contact Amazon. Amazon told me the deal was only valid until XXXX. There was no mention of that in the email that I received. The only time limitation was that it was valid on Prime Day. Today is Prime Day. I 'd understand if it was late at night, and maybe the code was set to a different time zone. But it 's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A collection account appeared on my credit report that does not belong to me and I disputed this with all 3 credit bureaus as well as the company reporting the account. The 3 credit bureaus claim that this has been " verified '' as mine and yet they never proved anything, which is not allowed under federal law. All 3 bureaus also were aware that I have a lawsuit against persons that obtained and used credit with my personal information, which includeded business accounts. All 3 bureaus have copies of this lawsuit, which I am also attaching to this complaint. This account was not authorized by me, opened or applied to by me, signed by me or used by me or by any company that I am a part of. This must be deleted immediately from my credit report because it does not belong to me and I am not liable for it. This company sent me a " contract '' that does not include anything other my first and last name and the company that I used to belong to. There 's no signature ( as I did n't sign it XXXX or any other legal proof that I ever authorized or had any part of it. 

This is part of my complaint against all 3 bureaus : I cant believe that these accounts are still reporting on my credit file and one of them DOESNT EVEN BELONG TO ME! This fake company XXXX sent me a fake contract with no information on it other than my name no address, social, date of birth or even a signature. I did NOT fill out an application, have a contract with, services with or apply to this company that is sending me fake documents for $ XXXX. This is NOT legal to attempt to collect a debt that I dont owe and I am adding you to the Consumer Financial Protection Bureau complaint against this company in regards to this false account. I am attaching the lawsuit against a person that was part of a company I was with who used my information to obtain credit and use company credit. You are being negligent in reporting an account that you know to be reporting inaccurately because you already had this contract and removed the XXXX XXXX account that was part of this lawsuit. This company specifically stated in their response to me that they attached proof of the debt. I am including this fake proof that clearly shows none of the required info. You are legally required to delete this XXXX XXXX 1 immediately, as you AND this illegitimate company are in violation of federal law.

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 07/26/2015 about Consumer Loan (Installment loan) with Risecredit, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: # XXXXRise CreditXXXX XXXX XXXX XXXX, TX XXXX My name is XXXX XXXX and I need help in dealing with Rise Credit. I am a single mother who is living 138 % below the poverty level. I have had my share of credit problems and have owed more than I make for quite some time. 
I was misled by Rise Credit to believe that they were unlike other predatory loan companies. By the time I understood what I had sighed, I had paid them thousands of dollars in interest. I have recently become temporarily unemployed and called them to ask for help during my time of financial hardship. They refused any solution and my account is headed to collections now. 
In the last sixty days I have paid over XXXX dollars in interest and the total paid is far over the amount I initially borrowed from Rise. The interest is around XXXX percent. This is robbery and all of the necessities I have for myself and my children are suffering because of it. If I were to steal from someone like Rise has stolen from me it would be considered robbery. 
How is it that they can do this? I am asking for help for not only my family, but for all of the families targeted by these predatory loans meant to target those living in poverty and struggling to live paycheck to paycheck. 
Thank you so much for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX, IL XXXX REPORTED XXXX ( XXXX ) DELINQUENT ACCOUNTS AS A WAGE EARNER PLAN STATUS ON XXXX/XXXX/XXXX ; BOTH OF WHICH ARE THE SAME ACCOUNT. THEY HAVE THE SAME ACCOUNT NUMBER AND CREDIT HISTORY DATA. THE PERSONAL UNSECURED LOAN WAS OPENED ON XXXX/XXXX/XXXX AND CLOSED ON XXXX/XXXX/XXXX AS A CHAPTER XXXX BANKRUPTCY. I CONTACTED THE CORPORATE OFFICE ON XXXX/XXXX/XXXX, HOWEVER THE REPRESENTATIVE STATED SHE COULD NOT PROVIDE ASSISTANCE AND TRANSFERRED THE CALL TO A LOCAL NORMAL, IL BRANCH. I SPOKE WITH THE BRANCH MANAGER ( XXXX ), WHO STATED HE DOES NOT KNOW WHY HEIGHTS REPORTED THE ACCOUNT SINCE THEY HAVE COURT NOTICE THAT THE ACCOUNT WAS INCLUDED IN A CHAPTER XXXX DISCHARGED BANKRUPTCY. THE ACCOUNT WAS INITIALLY CODED AS A CHAPTER XXXX WAGE EARNER PLAN, BUT IT WAS LATER AMENDED TO A CHAPTER XXXX BANKRUPTCY, WHICH THE COMPANY RECEIVED OFFICIAL NOTICE IN XXXX. A REVIEW OF MY CREDIT REPORT SHOWS THAT HEIGHTS FINANCAL SERVICES PREVIOUSLY REPORTED THIS ACCOUNT AS A CHAPTER XXXX IN XXXX, BUT AS OF XXXX, THE ACCOUNT INFORMATION WAS CHANGED TO SHOW PAYMENT STATUS AS WAGE EARNER PLAN. ALSO, THE ACCOUNT IS REPORTED AS DELINQUENT BECAUSE NO PAYMENT IS BEING RECEIVED. THERE HAS BEEN NO PAYMENTS ON THIS ACCOUNT SINCE XXXX WHEN IT WAS CONVERTED TO A CHAPTER XXXX. IT IS NOT A WAGE EARNER PAYMENT STATUS, THUS NO PAYMENT IS REQUIRED AND THERE IS NO DELINQUENCY. I HAVE ATTACHED DOCUMENTATION SUPPORTING MY CLAIM THAT XXXX XXXX SERVICES IS AWARE OF THE CHAPTER XXXX DISCHARGED BASED ON THE FACT THAT IT WAS REPORTED ON MY XXXX TRANS UNION CREDIT REPORT. IT IS UNCLEAR WHY MY ACCOUNT HAS CHANGED STATUS AFTER SIX YEARS OF ACCURATE CREDIT REPORTING. I AM INCONVENIENCED BY THIS INACCURACY. IT HAS NEGATIVELY IMPACTED MY CREDIT REPORT, AS WELL AS, MY CREDIT SCORE. I WAS DENIED A CREDIT CARD BASED ON THE INACCURACY OF XXXX XXXX SERVICES.

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 04/24/2017 about Debt collection (I do not know) with Duncan Solutions, lnc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX    XXXX    XXXX  is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or   XXXX    ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.   XXXX      XXXX    XXXX  are in violation of the following : Fair Credit Reporting Act Fair Debt Collection Practices Act Defamation of Character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with FIRST MIDWEST BANK (IL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My bank  First Midwest  takes too long to update my transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Also mark " Unable to get my credit report or credit scoreSubsection : " Problem getting my free annual report '' Bureau : TransUnion, LLCI the consumer have been unsuccessful of obtaining my free credit report from TransUnion , LLC which is in direct violation of Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681j. 612. Charges for certain disclosures ( a ) Free Annual Disclosure ( 1 ) Nationwide Consumer Report Agencies ( A ) In general. All consumer reporting agencies described in subsections ( p ) and ( w ) of section 603 shall make all disclosures of pursuant to section 609 once during a XXXX-month period upon request of the consumer and without charge to the consumer. 

Me the consumer, have been trying to receive the free copy of my credit report from TransUnion LLC for over XXXX years, and they are unwilling, and wo n't fulfill my request. 

TransUnion , LLC. Also is unwilling to help me establish a account on there website via XXXX I 've been transfered multiple times to there different number to resolve the issue, and it has yet to be fixed. I keep getting error " We are unable to complete your request ''. I 've already filed a dispute for a collection I 've paid off, and they do n't understand that I wan na track my status via the account access feature that TransUnion LLC offers free of charge. 

None of there agents speak good XXXX, or XXXX poor XXXX I ca n't understand there requests half of the time, or what they are trying to tell me when I have a issue. This is totally unacceptable. The " techs '' on the other line who I am trying to talk to, want to get off the phone as fast as possible, want to do the minimal amount of work, and do not care about the consumer. I would n't be writing this complaint if they would 've spent a extra XXXX minutes with me the consumer to resolve my issue. Total lack of transparency. 

I 've already submitted information per TransUnion LLC dispute page stating I 've paid off the debt collection, and the account is closed. I 've been told XXXX different answers1. The dispute was opened XXXX XXXX 2015 and is being processed and reviewed2. The dispute was opened/received XXXX XXXX, 2015 and is being processed and reviewed. 
3. My dispute was unsuccessful account to another " tech '' and tell me I had to re-file. I ca n't refile if another " tech '' is stating I already have a dispute open? 

I have attached a settlement from the Debt Collection agency, stating my account balance is {$0.00}. I want this remark removed from my account ASAP, I want to get access to my free annual credit report from TransUnion LLC, and I want my account established.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Student loan (Private student loan) with AES/PHEAA (MD).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: During the mid XXXX as a single mother I decided that it would be beneficial for me to earn an XXXX from a B-level University, XXXX XXXX XXXX University, XXXX XXXX XXXX XXXX. 

Living in a Midwestern state, my wages were barely sufficient for living, so loans became the option to pay for my graduate studies. Upon completing my studies, I searched for more than 6 months to find new employment since I had been downsized toward the end of my studies. I did not locate a job in the XXXX, but rather had to relocate to the XXXX region for work ( A XXXX XXXX XXXX ). By this time, by daughter was in college, The XXXX XXXXXXXX XXXX XXXXXXXX Ohio ( an expensive private accredited institution that charged more than some colleges, which has since lost its accreditation ). 

To fund my daughters education, I obtained Parent Plus Loans to cover school tuition, books, etc. In addition, since I had a student in college, I was able to defer my XXXX loans further throughout her college years. ( 4 years deferred, on top of the original 2 years for my personal hardship deferrals ). 

After moving to the XXXX, I became XXXX since the XXXX XXXX XXXX XXXX. During my years of being XXXX, I further needed to defer the loans since the minimum amounts that were required were over {$600.00}. Most recently, the loans to be repaid now are near $ 1500 monthly! I can not defer any longer, and dont know how I will pay without damaging my credit and sinking into a financial abyss. I am over XXXX, have no 401k, and, no significant savings. 

What started as loans totaling less than {$85000.00} in original principal now is quickly becoming {$270000.00} in debt ( and presently ONLY showing {$10000.00} in interest ). 

This is debilitating to say the least. Personal responsibility was getting a better degree, being a great parent, providing a loving home, working, being an XXXX, and taking care of my family. However, this level of student loan debt AND the structure that benefits only the companies threatens my ability to care for myself when I retire and live within my budget. For all of the education that I have, experience, knowledge, and skills that I have I am unable to find significant financial relieve. 

I am willing to help research, draft legislation, canvass for support as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Mailed.on  XX/XX/XXXX  of current year to kohls handwritten letter regarding denial of a credit card and opening of a new one since my card was deactivated or closed and cashier suggested me to open a new account so I could get extra discount. I was confident in doing so because I have really good credit "  XXXX  '' To my surprise was denied and embarrassed felt insulted. Well I was to wait for a denial letter and all I can understand was they closed my account. I will attach letters that explain what all I have tried to do not because the credit card itself but I think it was an unfair treatment. I tried getting information through kohls customer service exactly why I was denied but nobody not even the supervisor could give me a response or explanation why the denial was to wait for credit report They have written twice to me that the credit report bureau could give me an answer. I order my credit report but I did n't see any negative remarks. I saw I had a   XXXX   score and  XXXX  on other   XXXX   reports. It 's not the credit card itself it 's the fact I should know the reason since I have excellent score. Could you please help me decipher this? Thanking you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Trouble during payment process

Complaint: I have a trial modification program with Ocwen for XXXX t the first payment due onXX/XX/XXXXwhich I paid onXX/XX/XXXXok I have the modification papers alll is good onXX/XX/XXXX I noticed the payment was shot bu XXXX dollars called them and notified that on XX/XX/XXXXthat I would submit the difference of XXXX dollars to be exact o me that by y .The XXXX XXXX confirmed XXXXandI actually paid total of XXXX dollars em is st systs was paid by XXXX yet there system still shows or reflects no payment made I need help please help me as I a single father with XXXX XXXX children loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Credit reporting () with Innovis (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Statement of credit denial, termination, or change excessive obligation in relation to income

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Federal student loan servicing) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: MEFA loans and XXXX mailed me four physical letters ( I have four open accounts with them ) dated XX/XX/XXXX. These laters stated information about my repayments such as the payment options, estimated monthly payments, and when my first payment due date would be. It was stated in writing that my monthly payments were to begin on XX/XX/XXXX. 

Recently, XXXX XXXX XXXX acquired XXXX and sent me four new physical letters that now claim my account is 60 days overdue and has now been sent to a collection specialist. When I reached out to them about this issue I was told that they have " no idea why MEFA would send me anything about payment options when it is not even them who I am repaying '' but that it was also not them who sent the letter. I was told to call MEFA so that they could explain it to me as I " just was n't listening '' to what the XXXX specialist was saying. The " specialist '' I spoke with refused to believe that MEFA would send me a letter even though the new letters from XXXX are also stamped with MEFA in the letterhead. 

I am now aggravated that I have been preparing to begin making payments in XX/XX/XXXX only to find out that I owe thousands more for past due payments. Even more so, XXXX refuses to even hear me out on the situation or help me come up with a plan so I can reasonably pay back my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: XXXX XXXX, XXXX I received a call from XXXX XXXX at XXXX XXXX. However, I was traveling that day to XXXX, Hawaii. I did not receive the message until XXXX XXXX Hawaii time ( 3 hour time difference ) They had advised me that if I did not call by XXXX XXXX ( MT ) that my payment would be late ( 30 days ). This was a complete oversight for not making the payment in time as I had thought I made the payment. I immediately made the payment via online that very day. I checked the website again the next day, XXXX XXXX, XXXX and the payment did not post so therefore I made another payment. I ended up calling XXXX to make sure they received my payment as they advised me that there was two payments of {$820.00}. She said I should cancel one as  they did in fact receive the first payment. XXXX still marked me as a 30 day late. I have had an account with them for 5 years and have never been late. I asked if they would make a one time exception for remove the 30 day late given the circumstances but they did not. This greatly effects my credit and the ability to get another car. I would like to keep my account with XXXX but if this does not get handled then I will not be a customer again come the end of my lease term.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Conventional fixed mortgage) with TOWNE MORTGAGE COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: The XXXX group located at XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, MI is servicing my loan. Last month XXXX was servicing my loan. I paid XXXX my full mortgage payment and the funds were taken from my account. TowneMortgage group is now charging me for XXXX full mortgage bills and XXXX still has my money. I have been trying to get in touch with both groups for 3 days with no calls back or response. I have also been trying to remove the PMI off my loan and XXXX has never responded to my requests. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation