milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (NM).
Issue: Application, originator, mortgage broker

Complaint: Working with the XXXX XXXX, WA Wells Fargo branch, located at at XXXX XXXX XXXX XXXX, for a home refinance was an absolute horrible experience. After repeatedly inquiring about a VA loan funding fee, which was supposed to be waived due to my VA XXXX, I have received nothing back from Wells Fargo except emails that show no progress or movement from XXXX of XXXX to the XXXX time of this formal complaint. After the closing of the refinance, I learned that my XXXX would allow the funding fee to be waived, so I inquired and never received back any feedback on the end state of my question. Only delay tactics, and quite frankly unprofessional methods of dealing with a newly acquired customer. I showed proof of my VA XXXX, and was told by the mortgage broker that my case would be looked into. Months passed and still no resolution. My concerns were never addressed to any kind of resolution from my initial inquiry, the present time of this formal complaint and I do n't think this is at all professional in any sense of how banks are supposed to work with customers. I feel neglected, and quite frankly, I have decided to refi with a different institution in order to depart from this horrible experience. I only wanted an answer of anything that could close this chapter, but unfortunately this has n't happened throughout this entire process. I only want resolution, clear communication, and a bank institution that takes pride in addressing the concerns of its customers in a timely manner. This Wells Fargo experience has been anything but professional and I hope this complaint helps with other potential veterans who decide to conduct banking with this particular Wells Fargo branch in XXXX XXXX, WA located at XXXX XXXX XXXX XXXX, XXXX XXXX, WA.

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 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Experian Information Solutions Inc. (TX).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: 1. I have been trying to apply for a credit card XXXX XXXX XXXX, At the moment I applied for the first time they told me that the credit report companies are sending a credit report with my name and a SSN however this SSN that appears in the report is the number of my old passport. At the moment that I try to contact the credit report companies they are not able to pull up my credit report because I dont have a SSN. I have lived in three different adresses and need to know what adress to give for them to be able to check my score which is of XXXX. Can you please help me to solve this. The dates I applied for the card was XX/XX/XXXX in  which I applied ONLINE and I messed up and wrote my passport number in the SSN box. In XX/XX/XXXX I was told to reapply and since my adress was  attached to the old application, it appears as If I applied with the same social security but this time XX/XX/XXXX, I applied thru the phone and clearly states that I do not have a social security number. Please help me.

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 05-05-2016 about Debt collection (Medical) with Holloway Credit Solutions (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Holloway Credit Solutions LLC sent a letter to my daughter for debt collection on an account that I own. They threatened that this debt would go on her credit history if she did not act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: The rep at Citibank, XXXX XXXX XXXX XXXX Ca, XXXX XXXX, may be erroneously selling loan products tied to checking accounts to XXXX people. My parents went in to open a checking account and was asked for XXXX paperwork and had no idea why this was being requested. I tried calling the office but could not get through to the office for over an hour. I do n't live in the are so I can not drive to the location. Please address this situation

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: although I have a pending dispute filed via the CFPB, I am still receiving repeated phone calls asking for this debt to be paid. I filed a ID Theft Affidavit ( # XXXX ) in XXXX 2014 ; I wrote repeatedly to the XXXX credit bureaus and the collection company in XXXX, this account is still reporting in my credit file. This account was opened after my information was stolen due to a XXXX breach of security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-10-2017 about Debt collection (I do not know) with ALCHRO INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX & XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX  XXXX & XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CMRE. XXXX XXXX. {$330.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: My Experian credit report shows a collection against me. Date opened is XX/XX/XXXX. Company is XXXX, XXXX Fl. Original creditor is XXXX XXXX XXXX. In XX/XX/XXXX I disputed this collection and XXXX and XXXX immediately removed it. It then appeared as a new collection with Experian. I have had no financial/business dealings with XXXX XXXX since XX/XX/XXXX/XX/XX/XXXX. I would like this removed from my Experian 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 05-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RoundPoint Mortgage Servicing Corporation (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to do a short sale with Roundpoint Mortgage for over 2 years. I have a cash buyer and have submitted all the required paperwork to Roundpoint Mortgage and they will not tell me if the short sale is approved. I spent over 30 days submitting every document they asked for. They told me that on XXXX XXXX 2016 they has all the documents needed and that now it would be up to 30 days to " process the short sale ''. They continue to stall and drag this out until my buyer moves on to another property. I am working with my XXXX cash buyer and he is about to walk also. This company needs to be reprimanded for the way they operate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've been disputing this fraud activities on my credit file with Experian since XX/XX/XXXX and have presented the fraud evidence, police report ( s ), and Federal Trade Commission Identity Theft affidavit repetitively and Experian continues to ignore the FCRA and report this fraud activity on my credit file. Their response is usually an automatic response which is not related to my dispute. 

Fraud Account : XXXX XXXX Account XXXX & XXXX Past Disputes : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts are fraud and Experian is reporting these fraud accounts which is causing harm to me and my credit. Fraud activities can not be reported on my credit file, and every time I dispute this Experian ignore the evidence and response back with non-related responses. On XX/XX/XXXX, I disputed this matter once again to Experience and their response was that " the credit grantor may not know how to contact you '' That statement is not true and also not related to Experian reporting fraud activities on my credit file. 

I 've disputed this so many times, and not being able to resolve this matter. If these accounts does n't get removed from my credit file, I will seek legal guidance to correct the harm caused to me.

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 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have a Business Gold Rewards Card from American Express. American Express provides customers " Amex Offers '' that are discounts and credits for making certain purchases at merchants. One of these offers I added to my account ( approximately XX/XX/XXXX ) was for {$25.00} credit back to my account if I spent {$120.00} or more on one or more purchases at XXXX by XXXX XXXX, 2017. On XX/XX/XXXX, before making the purchases at XXXX, I went to my American Express account and double checked the offer was still added to my account. It was. On XX/XX/XXXX, I went ahead and made the appropriate purchases ( {$50.00} and {$75.00} ) at XXXX using the appropriate credit card. Four days later I checked my American Express account and noticed that the credit did not post to my account. So I initiated an online chat with American Express, asking them when the {$25.00} credit would post to my account. After 30 minutes of checking, the American Express agent said that the offer was not properly enrolled to my account and I would not get the {$25.00} credit. The agent asked me to provide a screenshot of the offer to prove I added it to my account. Flabbergasted, I asked the agent if Amex now requires customers to take screenshots each time they interact with their account because Amex 's computer system can not be trusted? The agent offered to start an internal investigation into the matter, which would take 6 to 8 weeks. I found this resolution not appropriate. I was transferred to a manager who repeated the same as the previous agent. The manager said he could not manually credit my account the {$25.00} because of policies. I asked the manager if Amex requires customers to take screenshots of when they make changes to their account and said while it is not required, it would be helpful. I told them their investigation is purely away to wash their hands of a computer system error. I said the appropriate resolution would be to manually credit {$25.00} to my account AND make an investigation. The manager also said that when I added the XXXX Amex Offer to my account I should have received an email confirmation. This is further proof their computer system is problematic. Over the last year I have added more than a dozen Amex Offers to my account and approximately 30 % of the time I get an email confirmation when I add an offer ; the other 70 % of the time there is no email confirmation but I do see it online when I log into my American Express account. I ask American Express to credit my account the {$25.00}. From now on when dealing with American Express I will take screenshots of each action I take online. I can not trust them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2017 about Debt collection (I do not know) with Receivables Management Partners, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: RMP SERVICES LLC has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. XXXX XXXX XXXX ( a ). RMP SERVICES LLC has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting XXXX XXXX to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. XXXX XXXX XXXX ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

RMP SERVICES LLC has no proof of claim with verified, validated authenticated documentation. RMP SERVICES LLC has violated the FDCPA 1692 and is Civilly Liable according to XXXX Civil Liability [ XXXX XXXX XXXX ] and other consumer protection laws. 

RMP SERVICES LLC has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Other debt) with Perfection Collection (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company contacted me threatening legal action around  XXXX   XXXX ,  2017  regarding a debt owed and left a voicemail informing me that that I needed to be available at my home between  XXXX  to receive and sign paperwork, with my proper identification, being delivered by a private courier regarding legal action. I called the company back since no information was left in the message regarding what the call was regarding and the representative gave me further detail to contact Perfection Collection, which they were calling on behalf of.     Needless to say, no one showed up at my home, but I have continued to receive the same harassing phone call, more recently on  XXXX  leaving the same voice message.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of   XX/XX/XXXX  90 days past due as of  XX/XX/XXXX ,  XX/XX/XXXX  60 days past due as of XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  30 days past due as of  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  I am not sure  how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The Debt Pertaining to XXXX by XXXX has been previously deleted off of my Credit Report. 
However, as of XX/XX/XXXX, they reinserted the debt I have disputed with Equifax as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Orginally I had an   XXXX   XXXX   XXXX    (    XXXX   XXXX    spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my  credit score went up they reduced my limit which brings my score down. I h ave kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  XXXX  user board.     We bailed out this bank and this is how they treat us?

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 12/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation XXXX breach has caused me all kinds of damages inquires that not mine and XXXX has not removed the inquires that are not mine i sent them documentation a billion times with the police 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 11/29/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Delinquent account

Complaint: On Saturday, XX/XX/2016, I drove to the nearest U.S. Bank branch ( U.S. Bank XXXX XXXX, CA - XXXX office, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX ) that is open on XXXX to make a payment for my U.S. Bank Cash+ credit card. Before making my payment, I withdrew {$300.00} from my XXXX XXXX credit card, from the XXXX XXXX, CA - XXXX office at XXXX Pacific. After withdrawing the money, I waited in line to make a payment with one of the branch 's teller 's. Since I do not carry my Cash+ credit card on me, I made a {$120.00} payment using my social security number. I made the payment at approximately XXXX Pacific. I am certain that I made the payment before XXXX Pacific because U.S. bank credit card payments are do at XXXX Central, which is XXXX Pacific, and I remember feeling relieved that I made the payment on time. 

On XX/XX/2016, I received a letter saying that my account was past due. But the letter also said that if I had paid that I should disregard the letter. So I disregarded the letter until I received my next statement. When I received my next statement, my minimum payment had increased to {$250.00} because according to U.S. Bank I did not make the payment due on XX/XX/2016. I visited a branch and XXXX of the representative 's printed out a copy of recent transactions that did not show my XX/XX/XXXX payment. The representative told me the best course of action would be to identify my receipt. I looked for my receipt but I was unable to find it. So in the past two weeks, I have gone to the XXXX XXXX, CA - XXXX office to ask for help. I 've been told that they will search for the transaction and reach out to me with their findings. Today, XXXX XXXX, 2016, I called U.S. Bank 's customer service and I was told that only the branch could help me with my issue.

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 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Disputed a particular account, the account was removed and then added back on account after receiving notification that it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax does not respond to me in writing to provide status of my many requests to delete unauthorized inquiries appearing on my credit report. 
1. XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX2.XXXX XX/XX/XXXX3.XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX4.XXXX XXXX XX/XX/XXXX5.XXXX XXXX XXXX XXXX XX/XX/XXXX6.XXXX XXXX XXXX XX/XX/XXXX7.XXXX XXXX XX/XX/XXXX8.XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation