milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax is requesting an additional 60 days to the Consumer Financial Protection ( US ) as of XXXX/XXXX/2016. Equifax mentioned this is what XXXX XXXX , XXXX is reporting however XXXX, XXXX can not provide me signed documentation or proof I owe this debt. It 's my belief Equifax is violating the " Deceptive Trade Practices Act ''. Equifax should report information correctly or remove it within 30 days as they advertise. Asking for a 60 day extension with the Consumer Financial Protection is unacceptable and deceptive in my belief of how they conduct investigations. After my original dispute it should not be reported unless the company had accurate documented backup.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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: Experian Omission of accounts or records belonging to the consumer Data and data entry errors Furnisher system or process inaccuracies Assigning a payment to the wrong account ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 07-04-2016 about Debt collection (Auto) with Debt Recovery Solutions, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX is the orginal creditor for this acccount. THIS Is THE XXXX Debt Debt Collection Agency that has reported this information on my report. They have stated this account was opened XX/XX/2016, which is incorrect. According to XXXX you can not place this on my report when the statue of limitations have passed, by reinsert.

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 12-05-2016 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan with Cardinal Financial. I was contacted by the loan officer XXXX XXXX who told me based on everything I was telling him and the documentation I provided him he was able to do the loan. I provided my paystubs and XXXX the day he requested them. He told me I was approved and collected {$450.00} for an appraisal. It was two weeks after the appraisal and XXXX stopped returning my phone calls or responding to emails. Finally in a text message he told me I have been declined for the loan. That was the last time he replied or responded to any attempt I made to contact him. 

I feel he misrepresented the likelihood of being able to refinance my mortgage or does n't have enough experience with the guidelines to know if he can do a loan. I was told I was declined due to debt to income problems, but all my income was provided to him as soon as I applied for the loan on day XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Struggling to pay mortgage

Complaint: In XXXX when I realize I was in trouble I reached out chase filled out loan modification paper cause they said could help me just be told in XXXX that lost all my papers I would have refile them so I did ... .so time went by they kept telling me they need more documents I sent numerous papers all ways get told was n't good enough so behind my back without warning they filed Forclosure on me I found this out when cops served me..so I called them to ask they tell me well all my paper work expired wanted it reviled for 3rd time to be told month later nothing they could do.plus since XXXX I had tried make payments they would n't work with me at all was very upsetting way all of it was handled.come find out chase makes money off ever time they have me file..

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Rewards

Complaint: I signed up for the American Express Platinum card on XXXX/XXXX/XXXX with a welcome offer for XXXX membership rewards ( MR ) points after spending {$3000.00} within 3 months. During the 3 month period I spent {$3500.00} on my card and had a return for {$34.00} and credit from American Express for {$230.00} from their Amex Offers ( {$30.00} ) and the airline incidental benefit from the card ( {$200.00} ). American Express has set a precedent and has counted the airline benefit and offers as a payment and included that into their spend calculations in the past but even without counting that amount my total spend was {$3200.00} during the promotional period. Everything has been paid on time and I currently have a zero balance. I was awarded the XXXX points on XXXX/XXXX/XXXX once I had reached the {$3000.00} in spend with my card. I tried to make a transfer to an airline and it was blocked with an error code. I called American Express and they informed me that they are reviewing the account and it should be resolved within 6-8 weeks. 

It is now XXXX/XXXX/XXXX, 8 weeks after receiving the MR points in my account, and they are still frozen/blocked. I was told their review should be completed by now and when I called again this week they said it could take up to 10 weeks. The terms of their offer state : " Points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement. '' So I have been told 6-8 weeks and their terms state that I should have them within 6-8 weeks and yet I do not have them available to me. I find this in breach of the agreement we made when I applied for the card. 

I did some research online looking into why these points have been frozen and found out that there are a lot of other Platinum Card holders that have had the same issue. I am not sure if American Express overextended itself or what the issue is but I think that they have broken the terms of their offer and I would like my points released so that I can use them. I have been a customer with American Express since XX/XX/XXXX and this is my first membership rewards card and I am pretty disappointed in the treatment that I have received. I would think they would offer better service to the customers of their premium card with a {$450.00} annual fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: A loan was assumed by LITTON LOANS/OCWEN and the loan was PAID IN FULL on or about XX/XX/2010. 

Litton continues to report MONTHLY PAYMENTS as accruing, giving the impression on review of a credit report that there is a PRESENT DELINQUENCY. There is not, as NO MONEY IS OWED to Litton.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Trouble during payment process

Complaint: On or about     X/XX/2016    , I calle d PennyMac Loan Service, r egarding my statement, it showed I had a Credit Balance, ( This was for   XX/X/16  Pay ment ) After being on Hold fo r 15  minutes, she said NO on    XX/XX/XXXX    Payment and just mak e  XX/X/16  p ayment. I said are you sure, she said  YES.      So I mad e  XX/X/16  on time, NOW after 6 months I get a letter in the mail stating I am Delinquent. WHY?      I have had  XXXX  loans with  PennyMac, N EVER had any issues until now.     I am on  XXXX  and I can not afford to make  2 p ayments, I only get {$1200.00} from  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: this is an ongoing complaint with Wells Fargo complaint # : XXXX. A XXXX from wells Fargo contacted me and assured me that she will do a complete investigation on the concerns I brought to her attention. Shortly there after another representative contacted me to start yet another loan modification process. On XXXX/XXXX/16 Wells Fargo requested another 60 days to address this matter. But a letter sent to XXXX XXXX dated XXXX/XXXX/16. States there decision has already been made and state we have review this in the past and we see no reason to review it again. XXXX XXXX was denied the loan Modification for to produce paperwork required. Which XXXX XXXX approved the mortgage and stated he need to show proof of residency which was supplied then denied stating he changed his address just to get the loan modification. So how can they deny on the fact no significant changes when he was approved and also stats the are doing a full investigation and require a 60 day extension and have made there decision on XXXX/XXXX/16. This is clearly age discrimination which is against the law. when you supply all documents get approved then denied are told he will be fully investigated and your reviewed team refuses to even look at all the facts to see he was approved. Which confirms are suspicions. This company need sto start being honest with the consumers and telling the truth and working together with each dept and the consumer to work out a resolution instead of being so anxious to throw a XXXX year old XXXX Veteran into the street instead of with his family where he belongs. Reading all the notes you will see where my comment is coming from and understand working on a loan modification while your attorney is back dooring a lis- pendens without even notifying XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I was an authorized user on my husband 's account. I called in on XX/XX/2016 and was removed from the account. However, the account is still showing up on my XXXX account number XXXX. I just want them to remove me as authorized user from my credit report. They are telling me because I am no longer an authorized user they can not discuss with me the reporting that they are doing on my credit report. My husband is XXXX military XXXX and I was told there are phones all over the world and that he can call in. I do not want information on his account, I simply want my own personal XXXX to reflect the current information that I am no longer an authorized user. They do not need any information on his to fix my credit reporting. I have called three times and have been hung up on each time I was told they would get me a number to their credit disputes team.

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 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with DataMax Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: not only is this debt paid but I have proof from XXXX it is not mine as well as the time it was paid I was living in a furnished apartment XXXX XXXX XXXX, Fl . that did not require me to have electric in my name. On top of that I have filed enormous Identity theft reports with the credit reporting companies and all the debt collectors.

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 07/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (RI).
Issue: Account opening, closing, or management

Complaint: I signed up for the Citigold Checkings account from Citibank on XX/XX/XXXX. I signed up for the account because they had an offer saying that if {$1000.00} of purchases and 1 bill payment were made within the first 3 months of opening the account, I would receive XXXX XXXX XXXX Reward miles. I have contacted Citibank various times through phone, secure messages and chat. In these ocassions, I 've been told that I had fulfilled the requirements and I would be getting my miles soon. It is now XX/XX/XXXX, and after contacting Citibank one more time they are telling me that I do n't qualify for the offer and that I wo n't be getting the reward miles.

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 11-03-2017 about Payday loan, title loan, or personal loan (Title loan) with Integrity Funding Ohio, LLC (OH).
Issue: Struggling to pay your loan

Complaint: On XX/XX/XXXX2017, I borrowed the amount of XXXX USD. My purpose for the loan was that I was going through a divorce process. Since I have lost one of two jobs that I was holding, now I am unable to pay the amount of XXXX per month. My income can not cover this amount. I tried on many occasions to get this payment amount lowered. Integrity Funding XXXX will not work with me on a lower payment options. But instead XXXX ( Loan Rep ) yells and threatens to sue me and even threaten to call my boss to let him know about this debt, in which it puts me at risk to lose my job. Also they threaten to even repo my vehicle. I want to pay this loan, but at an amount that I can afford. I ca n't take the threats or harassment anymore. I am stressed, also XXXX from the loan company ( integrity funding ) did not even provide an mini-Miranda? Or even verify my DOB or Social? That is an FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (FL).
Issue: Managing the loan or lease

Complaint: ( RE : Case Number XXXX, dated XX/XX/2016 ) Have attempted several times to access my account with the company in referenced case number. The error notice I get is " Your account is temporarily is unavailable. Please contact HDFS at extension X-XXX-XXXX. This is the same error notice I have received before and called. However, the recording stated the extensions had been changed to XXXX digits and to remain on the line. I was told there was a legal block on my account and after placing me on hold for a period of time, her response was she spoke with someone there but they were unable to speak to me or remove the block and stated she was having her manager speak to me. 

I 'm a pain, I admit it, but my identity data was stolen recently and I am trying to verify all current accounts ad advise creditors of recent events.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Never received a bill in the mail so fell behind and XXXX credit limit card went into default.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Bank account or service (Savings account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I am a customer at CITI Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Every 4- 5 months CITI offers a " bonus '' on your interest if you deposit {$25000.00} or more. They say they will pay the bonus 90 calendar days after the deposit. I have enrolled in this promotion several times. Each and every time they do NOT pay the bonus and I have to call and argue with them Often they can not even find the program, but eventually they have gotten paid after they do an " investigation. '' Earlier this year they offered another program XXXX ( see attached ) which I enrolled in and I deposited {$25000.00} on XXXX/XXXX/2016. After 90 days NO bonus was paid.It was supposed to be {$300.00}. After several calls another investigation was started and my request was denied ( see attached. ) I believe that many customers are being lured into this scheme and conveniently not being paid their bonus. The CITI office is : CITIBANK Client Service ATTN C.G.S. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been fighting with transunion for a while because they continue to keep removing my XXXX XXXX XXXX XXXX Account a good standing account that is XXXX XXXX XXXX, which is also my oldest account on my credit report, for no apparent reason!! This is so very frustrating and i dont understand why they are being aloud to constantly do this. They remove and i file a complaint and then they reinsert it!! Why must a consumer continue to go thru continuous problems with this company. The language barrier is already frustrating within it self and then i have to deal with them deleting my accurate information. PLEASE reinsert. I even have a letter from transunion telling me the account was reinserted and will stay.

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 04-10-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: this company does not verified any dispute, they seem to generate a general letter wait 30 days and send out everything is good. the other agency validated the same account and the results was deleted i was not a member of XXXX until XX/XX/XXXX, but yet they have me owing them in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Deposits and withdrawals

Complaint: I was banking with Wells Fargo from XX/XX/XXXX to XX/XX/XXXX. One day i went to my account to withdraw money to find out my money was gone.. I was told that I deposited at check for XXXX and i withdraw the money.. i repeatedly told them i have n't took anything or deposit a check. They told me they will investigate the situation, and to call back in 5 business days. I called and i was told they could not talk to me about my account, something will come in the mail.. nothing never came, i have written all types of letter and still nothing. I went to open another account and they had a nerve to report me to XXXX. HOW?? THEY TOOK MY MONEY AND THAN LIED.. please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Blackwood Credit Service (MI).
Issue: Fraud or scam

Complaint: Paid XXXX XXXX XXXX ,XXXX was suppose to pay {$50.00} each month never received another meeting after the first upon making several request. Illegal use of XXXX wallet by Blaclwood Credit Service was advised by XXXX when attempting to get my money back. Requested refund from my bank wells fargo after submitting receipt, contract, and email communications they granted refund. XXXX XXXX and XXXX XXXX took me to court in XXXX XXXX for XXXX although the company 's violated Credit Repair Organization Act, Michigan Public Act 160 section 3, and Federal Trade Act Title 15 Chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (Payday loan) with Premier Portfolio Group (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: They constantly call saying I they are attempting to collect a debt from XXXX XXXX XXXX from 2011. They say I applied online and received the money into my checking account at XXXX. I have NEVER had an account at XXXX and I have NEVER applied for an online loan or received one. I have never received any letter or legal items and I ask them for a verification of debt they say they send it and I have NEVER received anything from them. They say I have 24hrs to return the call and pay before legal action is taken but I cant even get a proof of debt. AND ... They are very rude and constantly try to use threatening tactics to get my money but I know the laws, I know my rights and they are not getting a XXXX thing from me! They are SCAMMERS!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation