milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WV).
Issue: Account opening, closing, or management

Complaint: After the recent news from Wells Fargo I decided to contact them about my experience. I was XXXX, looking for a simple account to put money in from an after school job. Some how I ended up with XXXX bank accounts and a credit card. I did not want these additional services and incurred additional fees because of this. I do not believe I should have ever qualified for a credit card, especially with the limit I had. I was told on the phone with Wells Fargo that unless I was contacted then I was n't part of the affected group. They additionally told me that I would be receiving a letter in the mail to follow up which I never received. The phone representatives acted like they had no clue about what I was calling about and like this was the first time they had heard about this.

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 Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (ND).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Midland Credit Management ( MCM ) had continued to contact me early in the morning even after multiple times telling them that I work third shift and not to call me at those hours. Agents use fake names, always calling from XXXX such as " XXXX XXXX '' and " XXXX XXXX '', typically releasing sensitive information without verifying identity first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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: I disputed an item on my credit report with Transunion. There was an XXXX XXXX card ( which is my account ) reporting that the limit on my card was {$5000.00}. My actual limit is {$11000.00}. I submitted my dispute and stated that the terms were incorrect. Transunion removed the account from my report altogether. This account had a positive impact on my score while I 'm in the midst of trying to obtain a mortgage! I called Transunion and they told me to contact XXXX XXXX to request that 's it 's added back to my report. I was told by a rep that Transunion will not allow them to reinsert the item onto my 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 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX sent me a shut off notice around XXXX XXXX for {$110.00}. I immediately sent them {$15.00}. They know that I have a partial XXXX and am on a fixed income. But, they shut me off anyway ( The money order may not have made it before the shutoff ). I then sent them {$27.00} the following month towards a {$120.00} bill ( I had not realised that they sent me a collection fee of {$18.00} and did not understand why the bill was different but thought it was just the last reading ). The name of the collection agency is Convergent and I have contacted them because their bill states {$130.00}. At this time, I do not have the account # for Convergent, but do have the XXXX account # XXXX for which I have paid {$42.00} of the {$120.00}. Convergent states I owe {$130.00} even though the current online XXXX states {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Payday loan debt) with Direct Recovery Services, LLC (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Direct Recovery Services has within the past two weeks contacted by brother, sister, brother in-laws, mom, ex husband, former employer and an old roommate. After my brother was contacted I called the number given to him and asked for clarification of debt or something in writing. The guy told me I was refusing to pay by asking that and wanted a debit card number for payment. I refused, he also stated to my brother in-law that it sounded like he didn't have a job and he could fill out a loan application. 
This harassment has caused extreme problems in my life and the constant phone calls to my family, ex family, ex employer and ex roommate are beyond extreme. 
I asked the gentleman that answered when I called how he got my brothers information and he said he looked up all of my contacts. My brother in-law was also told that I used him as a reference which I would never do because I can't stand him. They are asking for {$940.00} for a XX/XX/2016 debt that I don't recall having with XXXX. I had a previous loan with the company that was paid in full. These people are extremely rude, aggressive and vague on every conversation they have had.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Reporting the improper hierarchy of payments, violation of servicing the loan and improper foreclosure proceedings. Duplicate/overpayments for our mortgage payments were applied on XX/XX/XXXX for the months of XX/XX/XXXX-XX/XX/XXXX. we have requested that the Chase Bank reverse these payments on numerous occasions, but to no avail. We are now sending a copy of our bank Statements and Chase Reconcilation log detailing the duplicate payments. Also payments were not accepted starting XX/XX/XXXX - XX/XX/XXXX, causing us to go into a foreclosure. we were not 120 days in arrears at the time so our payments should have been accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This complaint is about Transunion credit bureau. I was tried so many times to talk with this company about my credit report.they are reporting a bad credit score. They improperly used and shared with unknown companies with out any information.becasue of this bureau I have faced lot of problems here in USA. Last month it was XXXX my credit score. This after paid couple of transactions they decreased my credit score to XXXX They are fraud reporting my credit. They are mis using the law. They are cheating customers as well as us government.

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 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied and was approved for a XXXX XXXX XXXX XXXX card through Bank of America while I was finalizing my cruise arrangements on the XXXX XXXX Website. XXXX XXXX and Bank of America BOTH advertised on their websites ( and still do ) that if I applied and was approved for the card and completed a transaction within the first 90-days, that I would receive XXXX Bonus Points which could be redeemed for a {$100.00} Onboard Credit during my cruise. I made the qualifying transaction immediately upon receiving approval online while booking my cruise. I then received the actual XXXX XXXX XXXX XXXX card in the mail and took it with me on my trip. 

During my cruise, I spent {$210.00} onboard, thinking that {$100.00} of it was going to be covered with the {$100.00} Onboard Credit that I had earned. However, after my cruise, the {$100.00} Credit was not showing up on my statement. 

When I contacted XXXX XXXX about XXXX XXXX and they told me that I had earned the {$100.00} onboard credit, but I would have to deal with Bank of America because they had cut my statement off too late for me to receive my {$100.00} onboard credit for this cruise, but I could use it on my next cruise! Wow, why would I want to take another cruise with XXXX XXXX after they had lied to me? It was like another gimmick to get me to book another cruise! On Wednesday, XX/XX/XXXX, at XXXX, I spoke to XXXX at Bank of America . He took the information and issued me a Case ID  # XXXX and indicated that he would try to get the {$100.00} statement credit applied to my account. I received a letter from Bank of America dated XX/XX/XXXX stating that they had reviewed my account and had applied my rewards correctly and referred me back to XXXX XXXX. So basically, the small consumer is stuck with two very large corporations pointing the finger at each other over a {$100.00} False Advertising Scam.

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 01/22/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am trying to get my Credit report from Equifax but was unable to get over their automated system then told to go to automated system by live representative and did not want to give me my report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I was in the process of a Loan Modification with WFHM on my home that I have owned for 21 years and have had financed the entire time with this lender and had already made my first Trial payment on time when they discovered a IRS Tax Lien on my property. They told me to stop making the MOD payments because they would not approve it with a lien on the property. They told me I needed to get the lien removed. After several months WFHM started the Foreclosure process and set a sale date of my property. I contacted XXXX XXXX XXXX the President of WFHM by email and told him what happened. He had a Rep call me and tell me that they would delay the sale date and told me I needed to get the IRS to agree in writing to allow WFHM to be recorded as the First Lien holder on the property and if they would do that, that WFHM would continue with my Home Mod process and stop foreclosure. I contacted the IRS and also filed a IRS XXXX form. After quite sometime the IRS through Rep XXXX XXXX told me they would in fact agree to WFHM terms but I had to include a letter with my IRS written request and forms from WFHM stating that the purpose of the request was for a Home Loan Mod only. I contacted WFHM, who had in the meantime started foreclosure proceedings again and set a new Sale Date of XXXX/XXXX/2015. I had to contact WFHM numerous times telling them the IRS required a letter from them that I had to include with my signed form to give WFHM the release they wanted. These calls were made over several days both by phone and email before they would ever return my calls. When they did they said they were refusing to stop the sale date because I had not provided them with the information they requested and the property still had the IRS lien. I tried to no avail to explain that I had done exactly as they ask and that the IRS had verbally agreed but required a letter from WFHM to be able to put that request in writing. They refused at this point and allowed my home to go to sale at which time they purchased it at auction for {$160000.00} when I only owed {$140000.00} on he property. I believe that a local realtor had informed them that the home is worth {$270000.00} on the current market and that is why they were willing to bid even more than I owed them on the loan. Also under NC Law all liens including the IRS are Second anyway to the lender, so in fact WFHM never needed anything firm the IRS and could have allowed the Loan Mod that they had already said I qualified for and had started making payments on to proceed instead of stopping it. I believe that WFHM have violated both the Laws of North Carolina and Federal Law in regards to the sale of my home. North Carolina has a 10 Day Bid Upset period before this sale becomes final and that date is up at XXXX on XXXX/XXXX/2015. WFHM defrauded me on the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I want to open a business checking with Chase ( JPMorgan Chase ). I have been to XXXX different branch of Chase Bank XXXX, Texas, XXXX off to XXXX, also XXXX off XXXX, both time i have got contradicted information. XXXX time i went to XXXX branch around XXXX on XXXX i was told we need an appointment to speak with a business banker and that is a Chase policy now for opening a business checking account, and business banker was a lunch so i was not able to get help. So, went to the branch on XXXX got some help and spoke with business banker without an appointment unlike the bank on XXXX ( a requirement of the bank ), but was missing critical document so I had to go back no problem, since I did not have correct documents, Then on XXXX, went on branch at XXXX and beltline with all required documents around XXXX, and checked in for a business banker ( also asked the lady that was checking me in and asked a business banker would help me open an account and she stated yes ) but when my name was called a different lady called my name at XXXX or so and found at that same business banker at XXXX went on lunch at XXXX ( that someone went on lunch at XXXX on XXXX ). I waited for XXXX minutes to get help with business banker and once my name was called they found out that a business banker was at lunch at XXXX when a bank closes at XXXX, was told even if she comes back at XXXX that she wont be able to open the account for the business since the bank closes at XXXX and it take longer to open a business account ( I would of waited to open an checking account if i was told i would receive help when that banker came back around XXXX ). I have XXXX questions, why did i wait XXXX minutes for someone to realize that banker was going for day or at lunch, and if that same banker takes lunch at XXXX on Friday and that same banker takes lunch at XXXX on Monday and that branch only has XXXX business banker as per manager on duty, How is that helpful to customer that Chase employees have no policy when a customer need help on it banking issues. And Why was i was refused services when a bank closes at XXXX and that banker was coming back on XXXX? and I am a customer ( personal checking account # XXXX ) at the bank last XXXX digit of the account # XXXX. ( XXXX ) thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (I do not know) with Miller, Stark, Klein and Associates (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: someone keeps calling from XXXX saying they have complaints about me. they are using my previous married name ( which i have not used since 1987 ). So clearly scam they leave a message since i have the number blocked telling me to call another number, which belongs to Miller Stark Klein and associates please make this stop. I do n't have any complaints, my debts are up to date and they keep calling every 2 days. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I WAS LIVING IN AN APARTMENT COMPLEX WHILE I WAS IN THE MILITARY IN 2009 WHEN I LEFT THE XXXX AND WAS LEAVING I WENT TO THE LEASING OFFICE AND I ASKED IS THERE ANYTHING I NEED TO SIGN OR ANYTHING ELSE AND THE LEASING LADY SAID LOOK AT THE SCREEN WHAT DOES IT SAY AND GET OUT OF MY OFFICE IN A RUDELY MANNER IVE BEEN BATTLING WITH HUNTER WARFIELD BECUASE I WAS AWARE PER THE LEASING MANAGER I OWE NOTHING ITS BEEN 7YRS AND YET I OWE A XXXX BALANCE AND NOBODY CAN GIVE ME THE CORRECT INFORMATION

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receive daily calls from this company. They have the wrong person. I tell them this daily. They say they will take my name off. I continue to get daily harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Debt collection (Medical) with Professional Recovery Management (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This account was turned over to Fox Collection Center even though it had been include with a Chapter XXXX Bankruptcy and the Bankruptcy was discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a  XXXX  discharged bankruptcy on my credit report that is not mine. I have never filed for bankruptcy. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  to address this issue. The case number is :  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 03-09-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo foreclosed on my home on XX/XX/XXXX but they never notified me that I had a foreclosure sale date. I lost my job XX/XX/XXXX and I was out of work for over a year and that caused us to fall behind on our mortgage. My wife ended up losing her job XX/XX/XXXX. We are both working now and we have the income to make mortgage payments, but we just didnt have the funds available to bring the loan current so we reached out to our servicer for assistance. We have been trying to get modified since XX/XX/XXXX but wells fargo didnt help us get back on track.

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 03/22/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: equifax IS REPORTING, a bankruptcy on my report, the court does not verify this information not now not later, this information was pulled from a 3-party, and must be deleted. the court has verified with me they do not report such information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Consumer Loan (Vehicle loan) with World Omni Financial Corp. (NC).
Issue: Problems when you are unable to pay

Complaint: I have asked for extensions on XXXX different occasions. The first one this year was in XXXX of this year, the second was in XXXX and the third was in XXXX. In XXXX, I asked for the extension, which was granted, I paid the extension fee and thought all was well. A few weeks later I checked my account and noticed I was still passed due. I called and they told me that the extension did n't go through because I did n't pay the fee fast enough. I went ahead and paid the rest of the payment. When I made the extension in XXXX, it was the same thing. I called and was told something went wrong and it did n't go through. I was told by one rep that I could get it in XXXX and since I had some money that was put to principle in XXXX, I would only owe {$33.00}. When I received the form for the extension, it still said {$310.00}. I called back and spoke with another rep that told me she would credit me both of the extension fees and do an extension for two months because the extensions did n't go through due to computer errors while they were upgrading and it was n't my fault. When I received the extension paperwork, it was for two months but it said I owed {$310.00} and I was n't supposed to pay anything. I paid the {$310.00} and the extension still apparently still did n't go through because the amounts due have not changed. I have asked in the past for them to check the notes and go back and listen to the phone conversations to confirm what I was told but it never happens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2015 about Debt collection (Payday loan) with Financial Filing & Reporting, Inc. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: people are calling me to sayi im going to jail they even got my husbands cell number asking for me to they keep harassing me calling my job if I block the number they use a nother XXXX to call me again and again and my husbands to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation