milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Wells Fargo sent me a promotion which I registered for and met all the requirements in terms and conditions. They did not give me the account credit claiming that the offer ended on XXXX XXXX however I fulfilled the terms back in XXXX and the terms of the offer stated : " Your Wells Fargo statement credits will be posted to your credit card account within 1 to 2 billing cycles of your purchase. '' It can been seen by their official link sent in the email below : XXXX XXXX XXXXXXXX? XXXX They need to honor their terms and not change them after the promotion has started. I called and asked to be credited as it had been 3 billing cycles and they denied saying that credits do n't post until after promotion ends. However the wording of the promotion clearly conflicts with what I was told verbally.

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Incorrect information on my report, information belongs to someone else. 

XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX XX/XX/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 05/21/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (NE).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I WAS IN A CAR ACCIDENT ON  X/XX/2016    IN WHICH ANOTHER PARTY WAS AT FAULT FOR, I HAD TO HAVE SEVERAL  XXXX  AS A RESULT ALL OF MY MEDICAL PROVIDER WERE FULLY AWARE THAT  A 3RD P ARTY WAS RESPONSIBLE AND WAS PROVIDED WITH THE CLAIM NUMBER FOR BILLING AND A COPY OF THE POLICE REPORT FOR THE ACCIDENT. I AM BEING REPRESENTED BY   XXXX   XXXX   XXXX   IN  XXXX  NEBRASKA. I WAS CONTACTED BY   XXXX   XXXX   XXXX   TO DEMAND PAYMENT FOR FOR  XXXX  BILLS FOR   XXXX   FOR {$140.00} AND THE OTHER FOR {$120.00} EVEN THOUGH THEY HAD DOCUMENTATION FROM MY ATTORNEYS OFFICE THAT THIS WAS A  3RD  PARTY BILLING THEY KEPT THREATENING TO TURN THE  XXXX  BILLS OVER TO COLLECTIONS SO I PAID BOTH BILLS IN FULL. A FEW WEEKS LATER I GOT AN ALERT FROM CREDIT MONITORING THAT A COLLECTION HAD BEEN ADDED TO MY CREDIT FILE BY A COLLECTION AGENCY CALLE D TRANSWORLD SY STEMS WHICH I PROPMTLY CONTACTED TO GET THEIR FAX NUMBER TO SEND THEM PROOF OF PAYMENT THE LADY I SPOKE TO REFUSED TO HEAR ME AT ALL AND BEGAN YELLING AT ME FOR PAYMENT, I ALSO CONTACTED    XXXX   XXXX   XXXX    TO FIND OUT WHY THESE ACCOUNTS WERE PLACED WITH COLLECTIONS DESPITE BEING PAID IN FULL EVEN THOUGH I WAS NOT THE RESPONSIBLE PARTY. AT FIRST I WAS TOLD THAT MY PAYMENT COULD NOT BE FOUND AND AFTER FAXING PROOF OF PAYMENT I WAS TOLD THAT THE SYSTEM HADNT UPDATED PAYMENT WHEN THE COLLECTION HAD GONE OUT. THIS CALLED MY  CREDIT SCORE T O DROP BY OVER  XXXX  POINTS. I DESPUTED THESE COLLECTIONS WITH  XXXX ,  XXXX  AND  XXXX  ONLY  XXXX  REMOVED THESE COLLECTIONS FULLY THEY ARE STILL LISTED ON MY   XXXX   AND   XXXX   REPORTS, I AM VERY DISAPPOINTED BY   XXXX   XXXX   XXXX   FOR DEMANDING PAYMENT FROM ME DESPITE HAVING PROOF THAT ANOTHER PARTY WAS RESPONSIBLE AND HAVING A CLAIM NUMBER FOR BILLING, I FELT BULLIED INTO PAYING AND INSULTED WHEN I STILL TURNED OVER FOR COLLECTIONS AFTER PAYING THEN TREATED VERY HOSTILE BY  TRANSWORLD SYSTEMS  AS I ATTEMPTED TO PROVIDE THEM PROOF OF PAYMENT AND THAT THE COLLECTION WAS IN ERROR THEY REFUSED TO ACCEPT ANY INFORAMTION FROM ME AND LASTLY I AM DISAPPOINTED THAT DESPITE PAGES OF DOCUMENTATION THAT THE COLLECTION WAS IN ERROR AND I PAID THE BILL DESPITE NOT BEING RESPONSIBLE FOR THE BILLS ONLY TO HAVE THESE NEGATIVE ITEMS ON MY CREDIT FILE STILL FROM  XXXX  AND  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: RE : Your submission, [ Case number : XXXX ] XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau You people are something else! 

I wrote you and submitted a detailed complaint nearly a month later I got a letter from you saying that my file was not complete, and that I should contact you immediately. I did that. 

The lady I spoke to said she could n't match my name and the file number, no case existed. 
I insisted that there must be or I would n't have received the letter I was holding in my hand. 

After waiting on hold for considerable time she returned to the phone and informed me that YES there is a file. She continued that it is incomplete, so that you folks could n't move ahead with it. When I asked what was missing she told me that she could n't discuss it with me, that I would just have to file another complaint. 

Deciding that I was involved with another worthless, self serving bureaucracy, I decided to not pursue my complaint further. Nobody really cared, just wanted to give lip service to all the wonderful things being done for me. 

A few weeks later I received a second letter that read almost like the first one. After giving myself a couple of days to cool off from the stupidity of all of this, I called again the number provided me in the letter. 

This time I documented the call. XXXX XXXX, 2015 I spoke with XXXX. Again I was told that my name and the number did not match anything in her computer, the case must not exist. XXXX listened while I filled in the background to my call. ( BTW - Kudos to XXXX for a great job ) She said there was another place she could check, it would take some time, asked if I had time to wait for her to go look. ( way to go XXXX! ) Yes, I could and would wait. 

In less time than I expected she was back and said : I found the file It is incomplete ALL that was missing was an email address and a phone number ( Ah-hah! - the secret stuff first lady couldn't/would n't talk to me about! ) Gave me instruction on what to do to take care of problem. 
Said that was all that was needed, and that I would hear from you folks soon. 
I faxed the info within a few minutes of the end of that call Now I get the third correspondence from you folks saying you are closing the case because you do n't have a complete file. 

How did you email me if you did n't get my fax with the " All we need is -- -- '' information? 

It must be dark with your heads so far up your -- -- -- -- Close the case. It is obvious to me that you folks have no intention of looking into this problem and getting me an answer. 
Credit reporting companies must pay your wages. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disrupted all on my credit I did n't recognize on equifax rep ort .I call  them also.Iam a victim of identity theft notified by the  Us  Department of justic e case  #  XXXX  They caught one per son using my information. But equifax told me to file a police report. I have proof that my identity was stolen by the letter from the Department Of Justice.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I would like to start by stating that I 've been an XXXX XXXX XXXX customer since they changed over from XXXX has been over 10 years. I 've never had any previous problems with our carrier until approximately around XXXX of XXXX I started having a lot of problems with drop calls and bad connection while inside our house, from there on we tried multiple times with customer service. They advise to try rebooting system, a micro cell, new sim card and they also stated they were going to repair one of their towers. 6 months later and continues problems it was an inconvenience, finally made a decision to change providers due to my wife had to leave the house just to talk to Doctors as she was XXXX and she had no service while being at home. Before I cancel my service I communicated through a chat conversation and no where 's did they mention it would go through a collection agency. I spoke with XXXX XXXX XXXX as I was still paying for XXXX cell phones that I purchased on credit and wanted to know if I was still able to continue payments for the XXXX phones since they could not provide the service I needed. The supervisor stated my balance was {$1000.00} and as long as I continued making payments there would be no problems. I had made XXXX payments. XXXX {$60.00}, XXXX {$20.00}, XXXX {$60.00} and XXXX {$60.00}. Which brought my balance down to {$1000.00} ( do n't understand how it only dropped {$68.00} ). Recently I received a letter from Credence Resource Management a bureau company stating I needed to pay balance in full or if not was going to affect my credit. If I wanted they would settle for {$700.00}. And if I pay within 3 months would not affect my credit. I let them know that we had an agreement with XXXX XXXX XXXX and I was going to continue making my {$60.00} payment as we had agreed and I was going to call them. On XXXX I contacted XXXX XXXX XXXX to find out why I was sent to a collection agency and after been on the phone for 1 hour and getting no answer I demanded to speak with a supervisor, I was put on hold for over 30 minutes in which they never came back to the phone ( had to disconnect ). My wife called with a different phone while I was on hold they answered her, none of the representatives were willing to help with our matter. I would like to continue making my payments, just do n't want to affect my credit.

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 01/25/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: My accounts were closed abruptly and I was unable to access the funds in my account without any correspondence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: After reviewing to response that I have received from Transunion, I do not believe there has been a complete investigation done. XXXX is the only credit reporting agency that continues to report false information and has provided my credit report to over 20 businesses without my consent. Based on both the FCRA and the FACT Act, I understand that Transunion has been violating right I am entitled to. There should be no reason that my credit has been provided without my consent. I have uploaded my report, and it shows that Transunion has failed to remove this information and that they have been providing credit reports without my consent. Additionally, after redisputing this with them, they have failed to act within the consumer protection laws, and need to rectify the situation. I have no idea how inquires keep showing up on my report without my consent. The security freeze I have on my file should prevent this, but Transunion has failed in doing so. I have outlined the information in red that I have attached and I should no longer be affected by.

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 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: XX/XX/XXXX : I received a notice from Chase informing me effective XX/XX/XXXX that the interest rate on my Mileage Plus XXXX Credit Card will be jumping 52.6 %, from 9.49 % to 14.49 % The specific reason is that " We are changing the Annual Percentage Rates ( APRs ) as described because your APRs are below the lowest APRs we currently offer on similar accounts. '' Notice they're saying the rates are too LOW compared similar cards, NOT the same card. 

For no reason other than they feel that I'm not paying enough. Too LOW. Chase is being nothing but greedy XX/XX/XXXX : I called Chase customer service. I spoke to a representative. I spoke to a supervisor. They don't care. In their eyes, the agreements we signed previously don't hold up. They feel we're paying too little. 

When I challenged them as to if they would lower the rate if similar cards had lower rates, they said no. 

I pay an annual fee in line with agreement. I pay my bills on time. I have had this card for almost 20 years, and for no reason, Chase decides to be greedy and try to gouge me and others. 

I accepted the rate hikes in XX/XX/XXXX as a result of the CARD Act as reasonable.

I accept that my rate can change subject to Prime changing.

I can not accept that Chase has decided my rate is too low and they're not making enough money off me compared to Similar products. I didn't sign up for a similar product. I signed up for a SPECIFIC product and Chase should honor the contractual agreements around it.

I am asking the CFPB to investigate my situation and others who are impacted by this decision. I would like to ask CFPB look into the rationale behind this decision by Chase Management.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with U.S. BANCORP (WA).
Issue: Other

Complaint: USBank has eliminated and changed the benefits of their XXXX co-branded credit card. When I submitted my credit card application, XXXX of the benefits was a XXXX night when redeeming points for XXXX night. This benefit has been removed effective XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX had continue to charge me every month for two and a half year 's for a cell phone that i was not using during that period i was XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When a borrower pays the monthly loan amount in excess of the minimum payment requirement, Sallie Mae " holds '' the excess money and applies it to the following month 's minimum monthly payment ( which reduces the amount owed for the next month ), as opposed to applying excess funds to the priniciple balance of the loan as the website states. In order for Sallie Mae to apply overages to the principle balance, one must be enrolled in automatic debit. However, this is not conspicuously explained on the website, nor does the payment allocation example provided mention this requirement. I have been paying a little more than the minimum monthly payment under the assumption that the excess would be applied to the remaining principle balance of the loan, hoping that my little overpayments will decrease the balance of the loan slowly but surely. To date, I 've re-paid over {$5000.00} on a {$15000.00} loan, yet have a remaining balance of almost {$17000.00}. This payment allocation system deceptively allows for only accrued interest to be paid on the loan, keeping the principle balance high and untouched, which allows for more interest to be added onto the loan balance. This is unfair, egregious, and unconscionable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a credit reporting company on my XXXX report named XXXX XXXX XXXX for the amount of {$1500.00} from a XXXX which states it was opened XXXX XXXX, 2013. I have no idea what this charge is for and for whom, I have never received a bill on this charge/account. I have always had health insurance which for any procedure done would have been covered, this charge at this time is more than what my health coverage deductible would have been. This is a inaccurate charge that I am not responsible for and I never had a procedure during this time frame. 
I want this removed from my credit report, which is only reported with XXXX bureau inaccurately immediately. I have no knowledge of this account and it 's falsely reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient has randomly placed my account into a forbearance without my permission or via request by me. They have failed to notify me that actions have been taken on my account so that I am notified and aware of any changes to my account and it 's status. Navient has also failed to disclose timeline dates relating to when payment offers are made to when they must be accepted by.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I cosigned a loan for my daughter who lives XXXX. Citibank was not sending statements or correspondence regarding this loan. When my daughter called to make a work out because she does not make enough money they denied her request. We made numerous attempts to work with them for a better payment plan with their suggestion. They would have us submit everything then say she was not eligible. We spoke to them in XXXX of 2015 and said we would pay as much as we could each month and hope to consolidate the loans, they said we were NOT in danger of default as money has been paid. Last month we received a letter from a lawyer saying the loan was charged off. I am the cosigner and was never notified or given a chance to bring it current for my daughter. I have contacted them via phone and letter ( see attached ) they have been rude and unwilling to discuss this with me, only stating that a letter was sent. They can not provide any information as to how the letter was sent and why I was n't notified. They only informed us that they do not negotiate with students that live XXXX. I am the cosigner living in the US and they would not assist me but are damaging my credit. I cosigned in good faith and the bank did not notify me of any issues with the loan. 
I have sent letters to Citibank which all went unanswered, when I phoned to inquire I was told there is nothing the bank is willing to do. I have a payment history and have been making payments which I thought were in addition to payments they were receiving which would have reduced the interest. Since Citibank has failed to notify me as the cosigner they did not give me the option to assume the loan as I committed to. I 'm very upset with the lack of response and support. More than XXXX has been paid on this loan, it is not as if this loan was ignored. I should have been notified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO.XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Attn : Complaint Department XXXX XXXX XXXX XXXX, GA XXXX  Re : Unauthorized Inquiry ( s ) Dear Sir/Madam : This is the third and final letter I am writing to request unauthorized inquiries be removed from my credit file. In a good faith effort to resolve this matter amicably, I restate my demand that you delete the following hard inquiries : I have a fraud alert on my account and didnt authorize these. 

XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have attempted several times to resolve this matter directly with the furnishers but never received the courtesy of a reply or any communication from them whatsoever. Therefore, I will be instituting legal action against each for violating Title 15 U.S.C. 1681i, also known as the Fair Credit Reporting Act ( " FCRA '' ).
In any event, I request you delete these inquiries in to ensure that my credit report is accurate and correctly and fairly reflects my creditworthiness. As I am sure you are aware, the FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance of violations of its provisions. More specifically, as you likely are aware, Title 15 U.S.C. 1681n & 1681o provide for, among other things, punitive damages and attorney 's fees. 
In any case, in light of the above, your continued unwillingness to abide by the FCRA can no longer be tolerated and any further willful noncompliance, and failure to promptly resolve this situation will leave me no choice but to commence legal proceedings against you for your unjustified actions. 
Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " not later than 5 business days after the completion of the re-investigation. '' Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Sincerely, 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 non-monetary relief