milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (WV).
Issue: Loan modification,collection,foreclosure

Complaint: Was in the process of a loan modification with WELLS FARGO, submitted EVERYTHING they requested, but had to refax some material over and over again, because they stated they never got it. Making the process very long, and having to start over because I NEVER got the same person twice. Was NEVER directed to a representative to help me either. I was told the foreclosure had stopped while working on the remodification, only to be faxed a letter to my office on XXXX/XXXX/XXXX stating they needed the money ALL of it almost XXXX dollars by Wednesday. Wednesday morning a lady called my mother in law stating she needed to speak to my wife, and I was told if I could show proof we had the full amount everything would stop. We did that my father in law took the money out of his account and gifted it to my wife, ( sent notarized letter to them ) whos name is on the account, mine is not, but I was handling this remodification. That evening we sent proof of the cashiers check and the deposit ticket proving the money was in our account. They told me to LATE the sale took place. In shock, we asked how to go about buying it back. The lawyers office told me to shut up and walk away, Wells Fargo told me NOTHING I could do. Then next morning I spoke with someone in the loans department who told me I could do a RIGHT to RESCIND. First I was told of this, I immediately sent her XXXX XXXX everything she needed, again having to fax and refax several copies, but I did it, she said everything looked good. Would contact me on Tuesday. It is Thursday XXXX and nothing. I have OperationREACH trying to help, I have contacted XXXX lawyers to see if they can help. I was given a stall tactic and I was mislead and misinformed. I also have a copy of the SENATE BILL No. 361. I feel I have been treated unfairly, with my rights, my 14th amendment ignored as well. Please help me and my family keep our home. Its our XXXX!!! 
Thank you XXXX and XXXX XXXX Please contact me there is so much more to this nightmare.

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 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: In XX/XX/XXXX I had several unauthorized charges made to my account- I worked closely with Citi Bank but finally right before XXXX I was told that I would NOT be compensated for the unauthorized charges which were a little over 1,700 - their reasoning was that I was honest and said I never lost my card and since it was a chip card and they say it was swiped they say I am lying that I made the charges- I have requested several times since then - most recently during the phone call during my last complaint for proof that they validated the charges using camera footage or by comparing the receipts ( in XX/XX/XXXX they requested a copy of my DL to compare and it was sent immediately ) during this most recent conversation I was told that they did not have to tell me if they validated the charges- which I know is not correct - I am asking for assistance- I am not trying to get out of the money I spent just get assistance with the money that was not authorized

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In XX/XX/XXXX I closed my account with XXXX company. There was an issue of returning back the receiver, due to an inefficient work of some XXXX employees. 
After the receiver could n't be returned for a few months, XXXX sent the account to collection, XXXX  company. XXXX opened the collection account in XX/XX/XXXX. 
After the conversations with both XXXX and XXXX the problem was resolved and in XX/XX/XXXX XXXX sent me a letter, with copy to EXPERIAN to delete the collection item from my credit report. 
EXPERIAN refused to delete the item, even if EXPERIAN acknowledged the receipt of the deletion letter from XXXX. 
EXPERIAN stated, that XXXX, notwithstanding the fact, that sent to me the deletion letter, insisted that the negative item stayed on the report. 
My calls to XXXX resulted in assurances by XXXX, that they asked EXPERIAN to delete the item. 
EXPERIAN is telling me, that XXXX said to EXPERIAN, that the item should stay. 
Enclosed please find the deletion letter from 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 12/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Using a debit or ATM card

Complaint: I 'm dissatisfied that Bank of America is charging me {$5.00} to replace a defective debit card they forced on me with the " enhanced chip technology. '' The chips are so fragile that unless you keep each card protected in a silk sleeve, locked up in a safe deposit box 3 stories underground with an armed guard, it 's not going to last. Every checkout person I 've talked to says it 's incredibly common, so I know Bank of America is replacing countless debit and credit cards for their customers due to defective technology, but instead of doing the right thing for the customer and replacing the card for free, they charge {$5.00} and leave the customer with the impression that it must be our fault. Sure, it 's the customer 's fault. Is that the brand Bank of America wants to promote?

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 08/29/2016 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Forbearance / Workout plans

Complaint: Barclay Cards is not posting payments made by XXXX XXXX XXXX XXXX and the correct interest rate of 5.9 % and need to adjust the payments of {$98.00} on XX/XX/XXXX {$74.00} on XX/XX/XXXX and {$140.00} on 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 explanation
Consumer complaint received 02-12-2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received a collection letter from Commonwealth financial systems. It states I owe a medical debt from XXXX of XXXX county. I have paid this debt off and have proof from the instution. They have also reported this false claim to the credit agencies and my credit score has dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had this included in my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In XX/XX/XXXX, I called XXXX to pay all balances in full through phone, and the XXXX representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : XXXX, Equifax, and XXXX, I have found that my credit reports showed my closed XXXX account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to XXXX and requested an investigation to resolve the issue. In the letter, I provided XXXX with full name and account number. 

On XX/XX/XXXX, XXXX wrote me a letter to request me to send XXXX the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to XXXX to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested XXXX to investigate. 

On XX/XX/XXXX, XXXX responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how XXXX came to that conclusion. 

I do not agree XXXX conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with XXXX tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since XXXX is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request XXXX to notify the XXXX credit reporting agencies : XXXX, Equifax, and XXXX to remove or delete the negative item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Medical debt) with Stallings Financial Group, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is my third attempt to get this resolved. Stallings Financial continues to leave on my XXXX report a medical debt that is owed by my insurance company, despite my sending a letter to them with this information. 

I have now reached the next stage of having my insurance company pay this debt, despite Stallings continued reporting on my credit report. 

I am attaching the paperwork sent to XXXX XXXX XXXX towards my efforts to get my health insurance company to pay this debt. This should not be reporting on my credit report and I once again demand XXXX cease all attempts to collect a debt that I do not owe and have repeatedly advised is owed by my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Issue : Unfair Debt Collecting and Reporting practices by Fed Loan Servicing is prejudicing my ability to buy a house XXXX LA flood. Specifically- there is a difference between the information I can access about my four ( 4 ) student loans on the Fed Loan Servicing website- which shows a bill- pay this amount by this day and no days delinquent- and Fed Loan Servicing 's reporting to the credit reporting agencies- continuing to show it as past due and delinquent. I paid the amount demanded to bring account current- via the website- and am making monthly payments and they are not being reflected my credit report or score. 

Chronology : loans were in default, XX/XX/2016- fed loan said going to transfer to collection agency. Present- still not transferred and no timeline to transfer. 

XX/XX/2016, I paid amount to bring all accounts current via the website. I have paid the requested amount of the pay this amount by this date listed every month. 

Present : the website for fed loan reflect 0 days delinquent. However, Fed loan is reporting it more than 180 days delinquent to the credit companies. 

The website does not provide account numbers, or my name asssociated with the payments- it only shows there are four loans and the amounts of each. I asked Fed Loan for a verification letter and was repeatedly told that : 1. the loans were in litigation status, 2. I had to wait for the loans to be transferred elsewhere to address it, 3. the Department of Educations does not have these loans, I have paid all of the loans with the Department of Education XXXX 

Further, they report that I still have to pay the loan because it is due, which I am paying, but will not report that I am paying the installments because they categorized it as deliquent ... even though I paid the inflated amount to bring the account current and they have accepted all payments. 

The problem with Fed loan 's response is that they will not let me speak to the credit department, the reporting department, or anyone who can make any decisions. There is a complete difference between what the website reflects on my accounts and what they are reporting to XXXX and there is no way for me to remedy or address. I filed disputes with the credit companies, submitted proof to Fed loan servicing and am told- even if i paid every month forever on the website- it would be reported as delinquent to the credit agencies as past due 180 days every month forever until this is paid in full. 

The call center supervisor said they are allowed to do this by and FSA law- when asked what law, she did not have one to cite. I asked for the legal department, she would not let me speak to anyone there, i asked for a manager or supervisor, she would not let me speak to anyone else. I asked for the credit department and she advised they wo n't speak to me either.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: On XX/XX/XXXX, I was purchasing a pair of jeans at Sears in XXXX, FL. The store associate told me that if I applied for the Sears Mastercard, I would have {$40.00} off my first statement and would only pay {$2.00} for the jeans. Evidence of this is the sales receipt, on which the associate hand-wrote " -XXXX '' and a total amount of " XXXX. '' I applied based completely on that statement. When I received the statement, there was no {$40.00} credit. When I called the credit card company on XX/XX/XXXX, I was told my purchase did not qualify for the {$40.00} credit and I would have to pay {$42.00}. I made that payment on XX/XX/XXXX, so as not to impact my credit rating and to have the account be closed immediately. During that phone call on XX/XX/XXXX I made the request that this account be closed due to fraudulent representation by the store associate. I was told the account would be closed. When I received the credit card in the mail, I did not activate it, and I destroyed the card. 

On or around XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating that the account could not be closed " ... because the request must be initiated by either the primary or joint accountholders, and it was not. '' ( This was obviously not true. ) The letter asked for a signed request. On XX/XX/XXXX, I sent the signed request that the account be closed, and also stated that if I did not receive written confirmation in 10-14 days, I would file this complaint. I have had no response.

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 05-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I am writing this because I have been having nothing but trouble with the lender,  Navient.  They are EXTREMELY malicious and will NOT stop calling. They call at all hours of the da y INCLUDING while I 'm at  work and have demanded this to stop. I am not employed full-time because I was diagnosed with   XXXX   XXXX   XXXX   last year and almost died. After lodging multiple complaints with the lender and a complaint with the  XXXX , we were promised paperwork for myself and the doctor to fill out describing the severity of this sickness, but the paperwork never showed up. We also know that there are MULTIPLE lawsuits against  Navient abou t their practices and giving false information about individuals loans which led to credit issues with these individuals. NOW they are threatening to report what is going on to the credit bureaus. THIS IS NOT ACCEPTABLE and need some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called and spoke with an manager and he stated that he would call me back so that I can make an arrangement to pay the car off but he never returned my calls or messages.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RentDebt Automated Collections, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have been contacted to pay {$7500.00} for rent I do not owe by RentDebt Automated Collections LLC. The debt collector is acting on behalf of a former landlord of mine. I was released by the landlord from my month to month lease on XXXX XXXX, 2014 having paid all monies owed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I own a house and a mortgage. I pay PMI insurance. I do not want to pay PMI insurance after I have reached the required 80 % loan to value ratio. I have reached the required loan to value ratio of 80 %. Ocwen owns my loan. They say I need to pay {$440.00} to have my house appraised before they can get rid of my PMI insurance. None of this was disclosed to me and want to know if it is legal for them to require an appraisal in order to opt out of paying the PMI insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I got an email offer for getting XXXX after {$5000.00} spend on XXXX XXXX 2017. I enrolled in the offer on XXXX XXXX 2017 and got a confirmation email shortly after I was enrolled. Then I spent some time completing the spending requirements. During this time I got couple more emails reminding me to put spend on this card to get the bonus points. However, I did n't get any bonus points after I completed the spending. I called American Express to submitted a claim regarding my missing rewards. Then I was told that the deadline for enrolling is XXXX XXXX, 2017, which I missed ( expiration date for enrollment was written on the side with smaller font, easy to miss ). However, I did n't get multiple confirmation email after my enrollment. I understand that I should be enrolled within the time frame to get the offer, but it is clearly American Express ' mistake to send out multiple confirmation email to remind to spend the required amount. Thus, I feel I should be rewarded for the offer. I talked to a couple rep from American Express, but they all refused to help me. I 've put a lot of my everyday spend on this card and always appreciate the good customer service from American Express. But I have to say that this experience is such a disappointment to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing

Complaint: i opened a business credit card with american express and i was suppose to get XXXX points after i spent XXXX $ in XXXX months but after i spent the amount in first XXXX months they said they can not issue the points.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I needed to dispute inaccuracies on my credit report. I went to Experian 's file a dispute site. I was able to login and verify questions and begin my dispute. In the middle of performing my dispute the browser froze and when I attempted to reload the page it would not reload. So I attempted to start the process over but it gave me a set of verification questions that does not apply to me. I selected they did not apply. I then was locked out of accessing my credit report. After numerous calls they provided me with XXXX number. XXXX did not understand why they did that. So I contacted Experian tech support again and after the 3rd try they advised it was due to me being locked out. They said they could not fix it and I requested to speak with a Supervisor. I spoke with XXXX, XXXX ID XXXX, who was unwilling to assist, unwilling to take ownership, unwilling to get someone on the phone who could help. She only provided XXXX which was a complete automated system no matter what IVR option was selected. I then found XXXX online and spoke with a XXXX. They advised they could mail a report which I already requested but would take 10 business days. I advised I could not wait that long due to attempting to buy a car. I requested that the report be overnighted due to a system error. The representative advised that it is a {$20.00} charge. I requested it be waived due to system issues on Experian 's side. They representative refused to do so. I request a Supervisor whose name was XXXX with XXXX XXXX. I was instead transferred to voicemail. I called back 5 times requesting to speak with a Supervisor and every representative refused. Thus I can not access my Credit information, credit repair companies can not pull the information either, and Experian is not being cooperative nor willing to further assist in resolving my issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the years I have been financially unable to repay this loan. My income tax refunds have been taken from me twice in the amounts totaling between 12 and 13K all together. Once in for the XX/XX/XXXX tax yr and once for the XX/XX/XXXX tax year. The moneys that was withheld was not applied to my student loans according to my credit reports, even though I was told by the IRS this was the reason I never received my refunds. My question is where is the money that was taken from me supposedly for this loan. Why is the loan on my credit reports multiple times totaling the same amount as day one as if they have received nothing. I can not get any loans, credit cards, or apply for a mortgage because this continues to hang over my head. It has literally been years and I am asking for help removing these inaccurate numbers from all my credit reports immediately. The credit reporting agencies have not verified any of this info to be true by sending me the original loan records minus the tax refund dollars. There for under the law they must remove the false information.

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