milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: A Walmart credit card was opened without my permission I contacted them they said 60 days to resolve this to remove from my credit report. Still nothing

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have disputed an old XXXX account with Equifax and XXXX over a course of two years. The XXXX account has been closed ; however, a balance is reporting on my Equifax report as collections. Equifax has not provided any updated information on the validation of this account. I have requested a validation from XXXX too. To date, I have not received any information regarding this alleged account appearing on my credit report. Furthermore, I received a legal notice that my Equifax credit report has been hacked in 2017. Equifax has not provided any new information on disputes that I have requested or any new updates of the security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I believe I am the victim of identity theft and was trying to improve my credit score. Everytime I try and view my score though annualcreditscore.com it tells me that my data is unavailable or something crazy even though I know I am giving the right social security number. Its also preventing me from getting a past XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The institutions are implying I filed XXXX bankruptcies within a 2 year span. This was the same case and was discharged XXXX/XXXX/2012. It was initially filed in the XXXX Bankruptcy Court XXXX XXXX This is allowed because of the closeness XXXX. ) I was a XXXX resident at the time. XXXX of the creditors, XXXX XXXX XXXX protested the XXXX XXXX Courts XXXX and the case was dismissed on this technicality and reopened XXXX. The other sited dismissals are movements through the court or a conversion from Chapter XXXX to XXXX. Mortgage Investors denied my XXXX Dream mortgage based on this inaccurate information. Whoever reported this did not read the case and reported this in bad faith and in lieu of an understanding of Bankruptcy law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been mistakenly marked late on my mortgage due to issues within the loan servicers and how my payment was processed. I 've sent the bureaus my documents because recently I applied for credit and was declined because of these remarks. I tried to come up with supporting documents to show when I paid. I 've disputed and sent mail directly to the credit bureaus and am not having a ton of success. I did upload the letters that were sent. just recently. My husbands report was also affected.

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 02/18/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a Bankruptcy on XX/XX/XXXX because I Lost my job, divorced, and going thru a XXXX due to a very XXXX. In the bankruptcy I redeem the house to the bank XXXX, I was waiting from XXXX to do the process to take the house back from me because I 'm unable to afford it because of my income now. I never received any letter from XXXX indicating that they sold the Loan to NationStar Mortgage. ON XX/XX/XXXX I received a loan modification papers from NationStar Mortgage offering me a loan modification in which a never agreed, signed or made any payment to accept that offer. 

On XX/XX/XXXX I check my credit report and I discovered that NatiionStar Mortgage reported in my credit report that I was in a partial or modified payment agreement, 180 day past due, and 360 month mortgage in which in the modification paper said XXXX ( XXXX Years ). It is to many discrepancies on the information reported to my credit report, which I need to know what they doing. I have papers that proof everything this letter said, I do n't know what to do, I did a bankruptcy believing that it was going to be a new start and now the past is coming back to me. I thank you in advance for any help you can provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: OnXX/XX/XXXX I applied for and was approved for the Bank of America XXXX XXXX XXXX XXXX XXXX. My application qualified for a promotional offer which stated that I would receive XXXX XXXX rewards points if I spent at least {$1000.00} on the card within 3 months from the date the account was opened. 

After spending more than {$1000.00} on the card, I called Bank of America customer service in lateXX/XX/XXXX. I told the representative that I planned to return several items that I had purchased on the card and asked if that would affect my spending requirement to get the XXXX rewards points. The representative confirmed that I had met the {$1000.00} spending requirement, told me that returns would not affect the bonus offer, and said that I should see the points appear within several weeks. However, more than 6 weeks later, the points still did not appear in my XXXX rewards account. 

I called Bank of America on XX/XX/XXXXto inquire why the XXXX points had not appeared in my XXXX rewards account. The Bank of America representative confirmed that I had met the spending requirement, told me that the points should have been credited to my XXXX account, and said that I should contact XXXX. I called XXXX the same day, and the representative told me that they had no record of a transfer from Bank of America, so I needed to resolve the issue with Bank of America. I called Bank of America a second time that same day, and the representative told me that she would put in a request for the points to be credited. 

Several weeks later, I received a letter stating : The bonus offer required that you spend at least {$1000.00} within 90 calendar days from the date the account opened to qualify for this cash rewards bonus. You didnt qualify for the XXXX bonus because the spending requirement wasnt met within the required timeframe. 

This letter contradicted what I had been told by three separate Bank of America representatives. I called Bank of America again inXX/XX/XXXX to inquire why I received that letter. Again, onXX/XX/XXXX, I received a letter with the same language as the first letter, stating that I would not be awarded the XXXX points.

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 03/26/2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I cant access my credit report online with Equifax and I have talked to several people since XXXX with no success. They claim its a glitch in their system and it would take 7-10 days to fix. However they have been telling the same thing for 3 months. As a result, I cant access my XXXX and XXXX files credit files via another credit monitoring services I am paying for. I recently canceled my service with Equifax because I have no access to my report but was still being charged monthly. They claimed to have refunded me for a month 's service fee but I never received the refund back in the bank account it was debited from. Furthermore, as of Friday XXXX XXXX I was told that I should upgrade my service and that would fix the problem of me having access to my report. Upon payment, I was told that the payment didnt go through and thats why I didnt get my updated report. I gave another card when I was told it must be the credit card company refusing the transaction. Finally, I gave my debit card and I still did not get access to my report. That is when they realized it was n't my cards but once again their system. I was basically charged {$19.00} four times between XXXX of my bank cards and still have no access to my credit file. After that they transfer me to another dept who stated that it may be because I did n't put my middle initial and that must be causing the problem with their system and the other credit monitoring system I use which is XXXX. I was told to re-sign up for their service and include my middle initial. The problem with that is, upon signing back up, their registration page does n't ask for a middle name! They 've instructed me to end in my drivers license and ss card which I have now done approx. seven times! They are either incompetent or playing games. I am getting the runaround and it is very frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (OR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Barclaycard.us and their other brand XXXX WEBSITES NOT WORKING Both websites are DOWN repeatedly. This started several months ago. It is impossible to 1 ) see and verify your card usage 2 ) pay your bill online I have 1 ) called the company several times 2 ) been transferred to tech support 3 )  talked to them for over 45 minutes 4 ) cleared cache, cookies 5 ) rebooted computer They are unable 1 ) to resolve the issue 2 ) to provide a contact email where screenshots and complaints may be sent They can take a payment over the phone. But you can not view your account history if you can not log into your account and are signed up for paperless billing! 

So I went to their XXXX page for help. XXXX XXXX XXXX Here, if you look at Posts from Others, and Comments below the Barclay 's posts themselves, you can see numerous consumers stating the same thing since XXXX. And the response from Barclay 's each time is 'our website is working ' and 'call us ' You can also see that the site has been down here XXXX XXXX XXXX It would be irresponsible to use these cards if I can not verify my account activity online. 
This issue has been continuing over several months. It is apparent that the company has been notified numerous times. This issue needs immediate resolution. 

Moreover, this is very concerning because twice last year I was issued a new card and account # from Barclays ( I did not request one. ) When I called to ask why, they said it was due to a data breech on their end. But their mailing simply said " here is your new card '' and did not disclose any data breech.

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 07/31/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (AR).
Issue: Managing the loan or lease

Complaint: The loan was for XXXX and they took out XXXX per month for almost XXXX years and whe I called to get payoff they said I owed more than loan amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Debt collection (Auto debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: THE AUTO WAS REPOSSED ABOUT 8 YEARS AGO, STILL IN MY CREDIT REPORT. THEY REFUSE TO TAKE ACTIONS AND REMOVE THIS FROM MY CREDIT HISTORY.

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 05/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Wells Fargo & Company XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Demand to start review I received a modification in XXXX of XXXX and made more than XXXX payments then received a letter from ASC mortgage, that they wanted me to subordinate a lien not in privity. i HAVE TRIED MANY TIMES TO SUBORDINATE BUT when i finally received the subordinate agreement ASC closed my modification. I have submitted more than 5 times requests to re-review me for a modification and had postponed on my own XXXX foreclosure sales and ASC refuses to look at my requests because of many reasons mainly now saying i received a mod and no more are being offered to me because i can not receive more than one modification. 

I also told Wells my servicer of ASC that my loan i spart of the Department of Justice or National Settlement Program ( DOJ modification program ). I asked for many times written verification of this and never have the servicer or investor responded. 

I also had written three times requesting the servicer to have the point of contact reach out to me and never has the point of contact reached me the bank never went further than a reentry team designed to stone wall me from getting my loan reviewed or put into loss mitigation status for more than a year of me trying.

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 09/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DC).
Issue: Deposits and withdrawals

Complaint: I opened a business account with Wells Fargo in late XXXX 2016 and my first deposit of {$10000.00} on XXXX XXXX 2016 was placed in a " hold '' until XXXX XXXX 2016 ( I just started a small business, so this is a very long period to wait for the availability of funds ). When I asked them about why this was, Wells Fargo claimed that when they tried to deposit the funds on XXXX XXXX that the account attached to the check has insufficient funds and they they would wait a week to try it again, but that the funds, whether deposited or not, would still continue to be " held '' and unavailable until XXXX XXXX 2016. I checked my my client who issued the check and their bank shows that the money was withdrawn from the account on XXXX XXXX ( the day I deposited the check ). Wells Fargo claims that this is n't the case ( despite proof the the money is no longer in the account attached to the check ), and that there is nothing they can do about the hold. I suspect that Wells Fargo is holding the money for investment purposes since I 'm a new account holder and have very few options in terms of recourse. It makes no sense to me that the funds are not in the originating account and Wells Fargo is claiming that the money must be " with the federal reserve ''. I spoke with " XXXX '' in their complaints department and he could n't or would n't help me. He said that the funds would be available on XXXX XXXX 2016 ( different than what the previous gentleman told me ) but refused to give me a complaint number or a number to reference in case the money is n't available on XXXX XXXX. I let them know I would be filing a complaint with the CFPB. Wells Fargo is behaving in an unethical and unhelpful manner.

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 05/26/2017 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: ( No Contract ) leg al items was verified from A third party & placed on my credit report

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 05/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with WELLS FARGO & COMPANY (TN).
Issue: Getting the loan

Complaint: I applied for a personal loan with  Wells Fargo  on  XXXX   XXXX ,   XXXX  . I was approved for the full loan amount and the loan officer stated she had to wait on a second approval from her supervisor. On  XXXX   XXXX ,   XXXX   I received a email stating I was denied because of my debt to credit ratio and I would need a cosigner. On  XXXX   XXXX ,   XXXX   I added my husband as a cosigner and once again I received an email stating we were denied, without a explanation, phone call or a follow up procedure. I have tried to contact the loan officer on several occasions, leaving voice mails but yet we have not received a valid response. This is the first time I have been involved in a situation of this magnitude with no transparency on a corporate business level.

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 04-06-2017 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I went from XXXX to XXXX loan, tranferrred to XXXX loan. 
I was paying {$690.00} a month affordable. II went in to pay one month about 4 years ago and XXXX was like we need more. They wanted {$1200.00} then {$1500.00} a month my entire monthly income amount. I tried to modify and they sold to XXXX and they recently sold to Bayview. ANow I am scheduled for auction on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: TRANSUNION WILL NOT ALLOW ME A FULL FILE DISCOLUSE AND THEY ARE PURPOSELY NOT COMPLYING WITH THE FCBA AND REPORTING THE XXXX XXXX XXXX ACCOUNT AS IN DISPUTE INSTEAD PUBLISHING FRAUDULENT ACCOUNT INFORMATION, THEY HAVE MIXED MY FILE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Signed up for Experion 's " TustedID Premier '' service on XX/XX/XXXX, which was the last day of the offer. Received their Activation Email at XXXX. At XXXX was unable to sign up due to " System Unavailable ''! At XXXX it was " high volume ''. Tried a different computer at XXXX with the same results. Called their Customer " Support '' at XXXX and spoke with XXXX who promised to " escalate '' my case. Called them XX/XX/XXXX to followup and was told by XXXX that the offer was expired and could not be overridden. Requested a supervisor and XXXX told me the same same thing. Offer expired -- -can not be over ridden etc. She said they would again " escalate '' my information for further review and get back to me in 10 days or so. Of course, I never heard back from them. Evidently, " escalate '' to them has a different meaning.

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 10/17/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: portfolio recovery associates, XXXX, dept. XXXX, XXXX XXXX XXXX, XXXX, ca., XXXX, has several times to collect " stale debts '' ( debts that are more than XXXX ( XXXX ) years old in violation of the federal and florida laws on credit card debt collection. last collection dates, XXXX XXXX, XXXX, ac. # XXXX XXXX, and XXXX. 
I had explained to " portfolio '' that collection of the above accounts are a violation of the fdcpa and florida debts collection statute but " portfolio '' continues its collection efforts. 
this is the last action that I will take before file suit in a court of law with jurisdiction on this matter. sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Payday loan debt) with AutoMoney, Inc. (SC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XXXX and XXXX have both contacted four separate family members concerning my debt after being told in writing and in person they are not to contact these individuals. XXXX left voicemails with two separate individuals stating she was calling to obtain a reference for me and when they returned the calls she them tells both individuals she is trying to locate me. I called Auto Money on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and left messages and received no follow up calls again stating that they are not to contact these individuals. When I finally spoke with XXXX her response was " my bad the computer has n't been updated. '' I personally updated all information with them in XX/XX/XXXX.

Company response to consumer: Closed with explanation