milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I just read Wells Fargo 's response to my complaint ; you conveniently just closed it, without so much as a follow up response from me or any feedback. Please re-open this complaint against Wells Fargo. Their response was a rote, boiler plate response devoid of any personal touch, of humanity. They failed or ignored 95 % of what I documented in my complaint. Their non-response touched on the {$35.00} which I HAD REMOVED SUBSEQUENT TO MY COMPLAINT BECAUSE THE XXXX TEAM AT WELLS FARGO FINALLY RESPONDED. So Wells Fargo 's useless response regarding the {$35.00} was late and ineffective and inconsequential. As to them telling me they will not pay me interest of 1.30 %, I had to laugh, since that was mentioned to point out a FACT, not to request this fraudulent company to actually respond by paying me interest ; again that response was laughable and is WHY I DO NOT KEEP ANY RELEVANT MONEY WITH THIS UNETHICAL COMPANY. Sending me two PAGES or their hold policy was not requested, not needed, not warranted, not in any way, shape or form an adequate response from a human being. I would like a personalized response, from a human, not a boiler plate that adequately answers to every one of my many grievances with this company that shows they actually take the time to read the complaints filed on your platform. It seems the CFPB is complicit in their non-action and failure to review the responses to our complaints. How could you have closed this complaint and found it in any way satisfactory ; it was not! How can XXXX operate so differently from this very questionable company known as Wells Fargo???? That was not explained, touched on, responded to, acknowledged, or referred to. THIS IS AN INCOMPLETE RESPONSE AND A FULL RESPONSE IS EXPECTED.

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 04-02-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Last year, Equifax had my information mixed with someone else and as a result I had them remove and fix it. I recently applied for an apartment and I was rejected due to a bad credit score. I checked my recent credit report and everything seems to be in order but my credit score is still bad. I have no debt and paid off all my loans so I do not know why the score is so low. I can not get a hold of a person who can help when I called Equifax and kept getting transferred back and forth and was on hold for over XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Payday loan) with Avant Credit Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX WAS SETTLED OUT OF COURT AND TRADELINE WAS SUPPOSE TO BE REMOVE FROM XXXX AND XXXX. ( SEE ATTACHED ) ALSO, VIOLATED T.C.P.A. VIOLATIONS CALLING MY HOME AND CELL NUMBER AFTER SENDING CEASE AND DESIST ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Medical) with AmerAssist A/R Solutions, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was sent a bill for XXXX with zero explanation. I had not been provided service for a YEAR from this location. When I contacted them, they said it was for a denied service from my secondary insurance. I asked for verification of the service, the denial and all information proving I owed the debt. Instead, they sent me to collections. They did not verify the debt, they continued to attempt to collect on a debt not verified. 
I have made numerous attempts to collect the information to verify the debt, including contacting their XXXX party business management office in California. I have called them repeatedly as well.

Company response to consumer: Closed
Consumer complaint received 03/25/2015 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a California homeowner that was working with Residential Credit Solutions , Inc. the servicer of my mortgage loan for a loan modification. During the loan modification process they were also proceeding with the foreclosure process which is a violation of the California Homeowner 's Bill of Rights " Dual Tracking '' prohibition. Although I supplied Residential Credit Solutions , Inc. with all the necessary documentation they requested, they sent me a letter stating they did not receive the documentation ; I have proof that it was faxed to them at the fax number they supplied. They contacted me after that letter and asked me for additional information giving me a very narrow timeframe to provide it ( 2 days ). I provided the information they asked for the week prior to the foreclosure sale but moved forward with the sale anyway and I lost my home. They also sold my home for less than what was owed to them but at no time did they offer me the opportunity to pay them less to save my home and they did not properly handle my loan modification application. There are numerous complaints against Residential Credit Solutions , Inc. and XXXX XXXX XXXX XXXX, XXXX and there is another case pending in California courts, see XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX et al. in the United States District Court, XXXX District of California, with nearly the identical circumstances where the homeowner sent in all the required paperwork for the loan modification but Residential Credit Solutions , Inc. claimed to have not received everything they needed and proceeded to foreclose. It appears that this is a pattern of practice by this company and their foreclosure trustee XXXX XXXX XXXX XXXX, XXXX. to unlawfully foreclose on people 's homes.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX *********** DOB XX/XX/XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX A XXXX ACC # MEDICAL ACC # XXXX XXXX *********** DOB XX/XX/XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (I do not know) with Perfection Collection (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I went to purchase a trailer in XXXX of 2018 and this debt popped up on my XXXX credit report, so I called and disputed it. I have never heard of this company I have never received a letter or phone call in the year and 4 months it has been open. I XXXX the company and reached out to perfection collection based out of Utah and told them this was n't my debt and It was fraud the guy continued to tell me this is what everyone says, I told him I am not paying the debt and wanted proof how I was tied to this debt, he gave me nothing but some random name and a signature and an address I have never lived at. He was a XXXX and I eventually hung up, I made a claim with XXXX recently and they said my debt is active with again nothing in writing and no proof of this company ever reaching out to me to try and resolve this misunderstanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/XXXX I sent a Certified Letter to the Credit Reporting Agencies for the removal of a Bankruptcy that is listed on my account. The report came back " verified '' However per the New Rule from the CDIA ( Consumer Data Industry Association ) Beginning XX/XX/XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgements and tax lien, must contain minimum identifying information and be collected at more frequent intervals as follows : 1 ) Minimum reporting of : ( 1 ) Name ( 2 ) Address ( 3 ) Social Security Number and/or date of birth ; and 2 ) Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

I had a security freeze placed on my account with XXXX, and I spoke to XXXX and asked them if my information had been released to the Credit Bureau 's after I place a security freeze on my account. A representative by the name of XXXX with XXXX ( XXXX ) informed me that once a security freeze is placed, no information is given without my consent. 

It is my belief that the Credit Bureau 's are engaging in dishonest and deceptive practices by stating they obtained information when they have not. I do n't feel as though they have investigated this properly and truthfully.

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 12/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My lender, Wells Fargo, has ignored my RESPA qualified written request. The request was sent to them on XXXX XXXX, 2015. Thus far they have not acknowledged nor responded to it. Under the real estate settlement procedures act, they are to acknowledge receipt of such request within 10 days and provide a response within 20 days. I have called and asked several time for a response and have not gotten anywhere. Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: The purpose of this letter to lodge a complaint against Citibank. The end of XX/XX/XXXX, I called the credit card company to verify if I was eligible for a credit card promotion. You receive XXXX XXXX air miles points if you spend {$3000.00} dollars within the first 3 months of opening a new card. You are not eligible if you open or close a card within the last 24 months, hence the reason I called customer service to verify if I was eligible. I had made this mistake 2 years prior, when they changed the policy from an 18 month to a 24 month waiting period to qualify without my knowledge. I didn't receive the XXXX bonus miles, although I spent the required XXXX dollars. I try to learn from my mistakes so I wanted to make sure I qualified this time and that I indeed had gone past the two year waiting period. The woman at Citibank 's customer service office confirmed that I had, so I applied for a new card which I received in the beginning of XXXX. 
By the end of XX/XX/XXXX, I had spent the required XXXX XXXX dollars. I checked my account and noticed the XXXX points had not been posted to my airline miles account with XXXX XXXX. I called to find out why and was told I wasn't getting XXXX points because the customer service person I spoke to in XXXX had apparently made a mistake. I was shocked. I feel like I have been duped into spending a lot of money for nothing. I asked to speak to a supervisor and then a manager both times told it's unfortunate but they can't do anything to rectify the situation. I demanded to speak to someone else and they said they would have another higher up manager call me from the review department. That was supposed to be within 24-48 hours. They never called. 
I do not feel I should be paying for their mistake, especially when I made sure this time I was doing everything correctly and was told I qualified. If I had been told the correct information I simply would have waited until I was qualified to open a new card. I was denied that option with the wrong information. Now I have to wait another 2 years ( a total of 4 ) to qualify for a new bonus program. We are talking about points not currency. In lieu of good customer service, they should own up to their mistake and award me with the XXXX points I deserve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OK).
Issue: Account opening, closing, or management

Complaint: I received an offer by Citibank XX/XX/2015. The offer stated that if I opened a Citigold Checking account and met their requirements they would give me a signup offer of XXXX XXXX XXXX miles. I opened and funded the account and met their spending requirements and they will not honor their offer. I have in writing from Citi over their secure message service several messages from Citi confirming I qualified for the promotion, I met the spending requirements, and that they would be issuing the miles to my account XXXX XXXX. 

However, Friday they sent me a new letter telling me they were not honoring their end of the agreement. I advised them I have their confirmation in writing that I would receive the points, but they do n't care. This is a breach of contract at least and possibly even fraud. The reasoning they gave for me not getting the points is because they want proof I was targeted for this offer, but I do n't have the letter I initially received anymore. I threw it away after their reps confirmed in writing that I qualified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2018 about Debt collection (Medical debt) with CDI Affiliated Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received several phone calls with regards to this collection account for the amount of {$510.00}. After speaking with this creditor the conclusion was this is not my account because the social security number does not match. They agreed to remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Late fee

Complaint: My credit card issuer, Chase Slate, assessed my account with a late payment fee of {$27.00} on XX/XX/2016 that was a direct result of their online payment system being unavailable to access requests from XXXX. In speaking with their technical support services staff on the payment due date of XX/XX/XXXX about the issue they informed me that they were not able to provide an alternative and advised me to contact the Chase Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. 

The following day I contacted Chase Customer Service and spoke with an agent who informed me that " as a matter of policy they would not refund the late fee despite the online payment system availability and the assurances from their technical service staff ''. I attempted to escalate the issue by requesting to speak with a supervisor to whom I described the issue, provided her with the details of my phone call and offered to produce an image of the web page errors but she insisted they would not reverse the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America and XXXX XXXX XXXX for illegally broke into their homes, changed locks to bar residents from re-entry, and shut off utilities well before a foreclosure is finalized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello, I currently own  a Barclaycard Mastercard Gold Card that is  part of the Luxury Card platform. I am also a  XXXX   XXXX   XXXX  service member. I applied and received the credit card under the  Servicemember 's Civil Relief Act. I w as assured both on the phone and via mail that I would be honored with no annual  fee ( or iginal {$990.00} would be waived ), and 0 % interest among other benefits that the card rewards all while remaining on  XXXX   XXXX  in the military. I was assured of this on multiple occasions all through Barclaycard employees. This past fall, I received a letter saying they were adjusting the SCRA benefits but I was still honored to my original benefits because with no annual fee or interest due to the fact that I have already been a member and have been grandfathered in previous to the adjustment in their policy. Then, this past spring, I received another letter in the mail stating I now owe the {$990.00} annual fee. This goes completely against the conditions in which I applied for the card and was assured by the company on multiple occasions would not happen, as long as I remain  XXXX   XXXX  (   XXXX   XXXX   XXXX   ). This has put me in an extreme economic burden as a service member forward  XXXX  now receiving mail stating that I owe a very large fee of {$990.00} is unprecedented and against all outlines in the conditions in which I was guaranteed by the company. This has placed myself and family in a very tough financial position tha t Barclaycard refused to be sensitive too. I am willing to provide any more information to help fix this issue and hopefully help any others that were affected by this. I am requesting to go back to my original conditions when i had the card before Barclaycard  changed and did not grandfather me in as they said. Thank you for your time.

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 01-02-2017 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We went to XXXX XXXX 4 years ago and paid in full. Collection Consultants of California are demanding {$490.00} and this is incorrect and not true. They wo n't answer their phones.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Other debt) with ARC Management Group, LLC (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I opened up my   XXXX   XXXX   and I saw a derogatory mark fro m ARC  opened  XXXX   XXXX   2017  for {$150.00} .I do n't have a clue where this came from.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (WA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I opened a XXXX 's account under the impression that I was able to use it for a purchase. They were unable to honor the purchase, and I told them to close the account. I was just sent a statement of my new credit card.

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 09/26/2015 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Managing the loan or lease

Complaint: I APPLIED FOR A XXXX AUTOLOAN WITH XXXX, AND CALLED TO HAVE MY FIRST PAYMENT SKIPPED XXXX SEE ATTACHED ) AND ASSUMED IT WAS APPROVED AND MISSED FIRSY PAYMENT, AND IS REPORTING ON CREDIT REP, ITS PARTUALLY MY ERROR AND NEED THEIR GOODWILL HELP CORRECTING LATE PAYMENT XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Despite multiple attempts orally and in writing ( see attachments ) Roundpoint Mortgage Service Corporation refuses to correct erroneous records regarding its timely receipt of mortgage payments.

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 06-01-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has fail to delete unverifiable information on my report. They continue to verify closed or sold accounts that show reaging, recent payments and balances due and collection companies have fail to provide me with account 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 explanation