milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (GA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Wells Fargo denied me a credit card and lied about the reason for the denial. I have both a mortgage and second mortgage with Wells Fargo for over 13 years with never a missed or late payment. On or about XX/XX/XXXX, I visited https : //www.wellsfargo.com/ and saw an advertisement for a consumer credit card that offered {$200.00} in cash reward bonus with a minimum use qualifier. It also offered cash reward point accumulation of 1.5 % on all purchases.
I filled out the online application which really only asked for gross income and personal identifying information. I received a letter datedXX/XX/XXXX in which they stated they denied the credit card request based on the reason : " Credit references provided ca n't be verified ''. I gave them no specific credit reference in my application. Specifically, they state they are unable to get a credit report from XXXX for me. I called them shortly after receiving the letter and filed a verbal complaint. The call was escalated to a man in their " executive office ''. The basis of my complaint is that on their web site I can see my own FICO score, so it is obvious they not only can but have routinely pulled a credit report on me. I have excellent credit. I did state on the application that all of my income is sourced from retirement. I conjecture they denied credit because I am retired.  Regardless, whatever their reason is, it is not because they ca n't verify that I have excellent credit. I received a second letter dated XX/XX/XXXX in which they stated that after investigating themselves, they determined they have done nothing wrong. This is probably the second lie.

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 06/23/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America agreed to a loan modification after notifying us a few days before XX/XX/2015. We submitted all their documents they required and they received all documentation. The entire file was copied at sent From a BOA branch in XXXX XXXX directly to the loan modification BOA branch. We had gone through quality control and the file was placed for modification and BOA attempted to stop the sale but the Bank bought our property. I am a XXXX Veteran. I served as XXXX. XXXX. The veterans administration gave me a XXXX income and has already approved and inspected our home for a VA grant of {$90000.00} and a XXXX XXXX grant of {$90000.00} to make our home of 16 years XXXX. They were going to bring the home up to code, and add another room for me with seperates bath and new appliances. The remains money after renovations is paid directly to BOA, lowering the principle. Attorneys for BOA argued in court that they never heard of the VA money and that it was just a sham to delay the foreclose- I paid an attorney to file an objection to the transfer of the certificate of sale. BOA committed the shams, used robo signers, created a document a mortgage note and forged my name on it- nobody cared and I guess that is standard practice for BOA. 
But I do have the benefit from the VA. I would like them to honor the loan modification and allow the VA to upgrade the property and pay down the principal. I have the VA benefit and the income to pay. Why they would want to put a XXXX veteran with XXXX XXXX kids on the street is beyond me. It 's just greedy and plain wrong. Help! XXXX XXXX Home loan team BOA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : VA benefits can be verified for XXXX XXXX by XXXX XXXX, Sr. Appraiser/Specially Adapted Housing Agent office phone and fax XXXX XXXX email : XXXXXXXXXXXX. Mail XXXX XXXX attn : XXXX XXXX XXXX XXXX, XXXX 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 explanation
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: In violation of FCRA, the above mentioned credit report by Equifax , a section of " Inquiries that are not considered when evaluating your credit worthiness '' contains name of the following companies, to which Equifax disclosed and is disclosing personal and credit history, WITHOUT authorisation OR prompt despite OPT-OUT : Company Information : XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Information : XXXX XXXX XXXX : XXXX XXXX Information : EQUIFAX INFO XXXXCompany Information : XXXX, XXXX Information : XXXX Information : EQUIFAX INFO XXXX Information : XXXX Information : XXXX should EXPLAIN & PROVE the authorisation it has to collect personal and personally identifiable information and authorisation to distribute the same via PUBLIC platform/for COMMERCIAL purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Ask for validation of accounts and inquiries on my credit and was not provided with any proof of documentation with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am submitting additional supportive information in regards to a complaint I had put in with the XXXX major credit reporting agency 's. My XXXX account is currently reporting as a 30 day late payment. This information is incorrect as I have never been late in paying this credit card. The credit reporting agency 's told me they did an investigation and it was reporting correctly. This investigation was too short as I received the results way to quick. I contacted XXXX shops and they provided me with the letter I am submitting as substantial proof that this account was not paid late. This account should be showing as accounts in good standing and with the deragatory remark removed. I requested this back in XX/XX/2016. Please note the date of this letter which is dated XX/XX/2016

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 09/15/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: From XXXX through XXXX 2015 I was enrolled in automatic payment with my mortgage lender, PNC. On XXXX/XXXX/15 I went on line with the intent to cancel auto pay. I thought I had successfully done so. I got an email from PNC confirming I had made changes. I thought my cancellation was processed. On XXXX XXXX I went on-line and paid my bill. XXXX mortgage payments came out of my checking. It then took begging and pleading to get the money back and additional begging and pleading to get it back electronically, as they wanted to snail mail it to my home address, and I was on vacation meaning it would be XXXX before I could have the funds to deposit and then I 'd need for my bank to clear them. The letter I received which I thought was confirmation of my cancellation was a non-specific notification of " a change ''. It turns out the draft date changed from the XXXX of the month to the XXXX. That is not what I thought I did but I had no way to know that because the letter was vague and I never got any notification of a new draft date or amount. I did not plan for or expect to have a double mortgage payment. Nor did I think it should take several phone calls and over 2 hours to fix. My initial call to PNC was on XXXX. Eventually they promised to wire the funds on XXXX and said they 'd be in my account by XXXX. Today is XXXX, still not there and now they say they did n't send it yet but will send it today.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (Other debt) with Client Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They keep calling on a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Consumer Loan (Installment loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Managing the loan or lease

Complaint: Secured a LOAN, was given a bank check issued to the escrow broker ( Payee ) but the payee would not release the asset until Full clearing of funds was verified by the bank. The bank stated it would take 2 business days to acquire a COPY AFTER the check was already cleared. However, I was being charged per day interest on a loan that I had no asset for? Is this acceptable?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There are over XXXX inquiries on my XXXX and Experian credit report that do n't belong to me, I have tried to reach out to them but no one is willing to help me with this matter.

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 07/28/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2016, we received a postal notice from Specialized Loan Servicing , LLC, located at XXXX XXXX XXXX. XXXX . XXXX, XXXX XXXX, Colorado XXXX, that their company had purchased my primary mortgage, and we were to stop making payments to the previous company that had held the mortgage. The notice said that we would receive information about how to make payments, and that our monthly payments would not change from the previous company 's amount. By XXXX XXXX, we had not received an identifiable account number, statement or payment book, so we twice called the number on the postal notice. However, we were unable to get past the automated messaging system, which requested an account number. This request was not satisfied, evidently, by inputting the number on the original notice, nor by inputting my social security number. We waited for a statement or further payment instructions. By XXXX XXXX, none had arrived. We went to the SLS website and attempted to set up a payment account to make online payments. Again, both my social security number and the number on the original notice turned up the statement in red that the system did not have an active account for me on record. We took a screen shot of this notice and have attached it to this complaint. Then, on XXXX XXXX, 2016, we received a XXXX delivery of a packet containing information about applying for a U.S. Government Hardest Hit Fund that is NOT LISTED as available in my state, and forms to fill out for foreclosure on my property to send back to SLS. Buried on page XXXX of this multi-page packet was a statement that I was delinquent in one or more payments to SLS, a company that had never made it possible for me to make a secure and traceable payment toward a stated amount. That same day, XXXX XXXX, 2016, I immediately tried again to telephone SLS. This time, my call was routed by automated system to a " different office '' that gave no useful information. I kept trying until I was offered an option to speak to a person in a department called Customer Resolution. The woman who answered asked why I was calling SLS. I told her that I had received a XXXX statement that I was delinquent in one or more payments to SLS when SLS had never sent me a bill, had never acknowledged online that I had an active account with them, and had never made it possible for me to register to make secure payments. She immediately hung up in my face, without another word.

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 08-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: On XXXX XXXX I call XXXX XXXX XXXX and gave my name and insurance name, office person gave me an appointment for XXXX with XXXX.I was given a XXXX minute examination and a referral to another eye Dr., because XXXX claim I had XXXX. I went to the receptionist and she then handed me some paper 's with a different insurance name and she then inform me that they did not accept my insurance.I told her that, there has to be some mistake because I had waited one year and one month to be cover by my insurance and in order to be able to go home and call my insurance of this mistake I paid the bill of {$220.00}. Before I call my insurance I call the XXXX and told them that I had been refer to them by XXXX.I gave them my name and insurance name and they immediately told me that they did not accept my insurance. When I call my insurance and ask why had I been refuse, they then inform me that I went to a Dr. that was not cover by my insurance, and at the time of appointment receptionist should have told me this. I have been trying to resolve this problem for almost one year.American Express have open this dispute XXXX times and each time they claim that they will investigate, after all their so call investigation 's they sided with XXXX XXXX XXXX who XXXX XXXX is with, because they claim that I knew That I was out of NETWORK, when I went to them. My husband went to pick up my prescription 19 days later that they did not give me at the time of visit. I went to my medical Doctor to ask for a referral for eye examination. The Doctor fitted me with glasses and told me I do not have cataract 's. My husband wrote a direct letter to XXXX XXXX, which resulted 8 month 's from day of service, of her sending me on XXXX XXXX '' A Courtesy Discount '' check of XXXX XXXX dollar's.I do not believe that American Express stood by me and " Let Right Be Done, '' as XXXX, '' First Do No Harm '' I have paid American Express {$100.00} and I have a balance of {$120.00} plus interest of {$27.00}, that I feel that I do not owe. I do not intend to be like '' XXXX, I WILL FIGHT NO MORE FOREVER, '' as I WILL.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with Collection Services, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with North Shore Agency, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: To whom it may concern : I, XXXX XXXX have growing concerns about the business practices of North Shore Agency ( NSA ). First, I contact NSA on X/X/18 and was informed by XXXX that as per her supervisor that I could not record the phone call, in which is a violation of NYS law. Second, I am receiving a reoccurring bill that has been satisfied. The bill states I have 30 days to respond or I will be liable for said charges. I believe that this is a predatory practice and is in violation with corresponding Federal Law. I need my account to be updated as satisfied and no longer receive any bill ( s ) from NSA or I will take legal action. Thank you for your assistance.

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 08/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Navient constantly calls harrassing over payments and wo n't release my co-signer on the private loans while I am in school, what can I do? I want to refinance the loans with another bank for a lower interest and am told I ca n't while in school, but this is a private loan, not a federally backed loan, why can I refinance and if I can, where I can find banks that do those types of loans?

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job of 6 years on XX/XX/2016. I contacted my mortgage lender, Pacific Union Financial to discuss options. I applied for the loss mitigation almost immediately. After being contacted by Pacific Union a few times for clarification on some of the multiple documents that were requested of me to prove my current situation, I eventually received confirmation from Pacific Union that my loss mitigation package was complete on XX/XX/2016. They communicated to me that it would take 30 to 45 days to review and make a decision on my loss mitigation approval. 
It has been 66 days with no update on my loss mitigation approval. When I called yesterday I was told there are no guarantees.. 
I continue to receive loss mitigation paperwork in the mail from Pacific Union Financial advising me of the very option I applied for over 3 months ago. I 'm finding the entire process and lack of communication completely unacceptable. I need an answer and should have had one by now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: Lease terminated XXXX, XXXX, two months early, very low mileage. {XXXX} excess wear and tear charged and an unauthorized charge of XXXX for " Sale Expense ''. Called XXXX ( 3rd phone contact ) and they waived ( deducted ) XXXX  and stated XXXX} would cover the entire bill. ( XXXX, employee # XXXX, lease recovery department ). I sent in the {XXXX} with the knowledge they would return my XXXX} check - but they cashed the XXXX immediately after the call. 

Return calls are always unproductive " because you are not authorized to talk about your daughter 's account '' - my daughter has authorized them to talk to me on four occasions. GM Financial routinely loses records of prior conversations. 

I noticed they actually did not deduct the charges, but cashed my check for XXXX. Since then they refuse to talk to me " because I am not authorized ''. My daughter works in a hospital and has limited access to her phone during business hours ; she has called them four times and authorized me to speak to them about the account. They always deny that they have authorization. 

They tricked me into paying XXXX in exchange for a {XXXX} rebate, then declined to give me the {XXXX rebate.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The company never provided full details for me to verify the debt. 

I called 3 months ago ( XXXX 2017 ) to ask for information about why was there a collection on my credit history on their behalf and they told me i just could n't do anything about it.

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 03/16/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: These XXXX companies are continuing to request payment for accounts that I do not owe. 

{$140.00} from XXXX and {$36.00} from XXXX XXXX XXXX. 

These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to Equifax. 
This needs to be removed ASAP. 
I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). 
.We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. 
I will contact the Attorney General against Equifax , XXXX and XXXX and both of these companies if this is not resolved NOW! 
ALL references regarding this account must be deleted from ALL reporting agencies. Since

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Vehicle loan or lease (Loan) with DriveTime (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I really have a hard time understanding how Drivetime/XXXX are still able to trick and put consumers in debt for these very faulty vehicles. How is it that they are XXXX in debt but still able to sell cars? These are not inpected propetly and they give you loans that are quadruple what the car is worth. How is this possible? Yet they are will in business this should be against the law. They harrass and taunt consumers for payments yet they are no help when it comes to car problems. I want to take drive time to court and sue them they are sick to keep getting a away with this scam. Harming people who desapratlemy need a car and being dishonest. They are no help to me have'nt had my car in over a month because they want me to do all the ground work they are no help and putting me through so much for a XXXX XXXX XXXX please shut them down and make them pay us consumers back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation