milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/25/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving repeated calls from TJX rewards credit card [ up to 6-7 per day between XXXX and XXXX ] from phone number XXXX to the point where I have had to block their number. They do not immediately identify themselves in the message and just say " Please return our call to XXXX, for faster service please visit our website at www.tjxrewards.com '' and then gives the mailing address, nowhere in the message does it state where they are calling from, or the purpose of the message. I have spoken with them repeatedly regarding my resolution of my debt but the calls do not cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a derogatory collection item in the amount of {$470.00} that appears on my credit report. I contacted the collection agency, XXXX XXXX, who reported the item to the credit bureau, in an effort to resolve the mistake ; they were unable to locate any account for me with my Social and all my identity information. They looked XXXX and the gentlemen I spoke with advised they have no account with my identity information and said they would delete the collection item.Since then, I ask them to remove the deragoatory entry from my credit repor and they said they would, Since then I have asked XXXX XXXX XXXX additional times for them to correct their error and all XXXX times they said they would.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Payday loan, title loan, or personal loan (Payday loan) with GLOBAL CLIENT SOLUTIONS, LLC (WI).
Issue: Received a loan you didn't apply for

Complaint: XX/XX/XXXX amount XXXX the company global service called me at XXXX stating that XXXX XXXX is suing me for a loan XXXX dollars that I took out in XXXX they said I paid a check to them and the check was no good. <P/>I never took a loan out to them and they are threaten to sue me for fees and court fees.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: For the last several years my loan service provider ( Bayview Home Loans ) for the XXXX has been lying about the fact that the XXXX on our mortgage 'agreed to a $ XXXX buyout ' on the loan if sold or short sale or DIL. All the while denying us an assistance whatsoever over the years saying 'we ca n't do anything but foreclose because your XXXX has not responded to the buyout request ' This is unacceptable, not even mentioning all the other tactics, but this one was the last straw. I found out when she let it slip out on one our our rare phone calls that " all we 've been waiting for is a {$200.00} bill you need to clear up because the XXXX signed off long ago ''. 
When I called her on it, she admitted it but did not stop the many foreclosure attempls on our home, which we fight off with skeleton Chapt. XXXX filings, in hope they will come clean before next sales date, but no, they continue to nothing other than try to sell the house at auctions. What can I do? Where'sre more than 3 years behind on our mortgage because of these and other tactics they have played on us over the years, but to know they lie to just to try to sell our home! No! Over the years they claim to have lost our essential paperwork at least 8 times, continued to put us on a merry-go-round of 'loan reviews ', which only serve to push us deeper into depth over the months of processing and no trial payment periods ... then use the fact that we are now 'too far behind, you now owe more than the guidelines require for help, .. we do n't have to help you ' But, this bold face lying about the XXXX not responding is beyond the normally terrible, anti-home owner service you normally see. 
On top of all this, the home was built 'Defective ' by XXXX XXXX ... and they do n't want to pay for repairs, so a class action lawsuit has been going on for four years.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Credit determination

Complaint: I applied at a bank on XX/XX/2016 for a credit card and received an immediate reply dated XX/XX/2016 that denied me the card. The letter from the bank stated, " Our decision was based on the following specific reasons : Not enough accounts opened long enough to establish a credit history. '' As a matter of fact, my credit history includes ; a mortgage for a home which I repaid without any late payment penalties, a checking/debit account held for about 25 years with XXXX bank and with no overdraft penalties, 14 years of paying rent at the same location without a late payment, and at present I am debt free. 
None of this history was requested by the bank when the application was made. Instead, there was a supposed reliance upon a third party to provide the information, so that the very attractive credit card product, that was advertised with many perks, would go to someone with a good credit history. If I do n't have a good credit history then who does? And now it is on my shoulders to prove the third party is wrong. 
It appears to me, that this is a way that the bank can deny accountability for their decisions, and thereby skirt the laws regarding the Federal Equal Credit Opportunity Act by using unwarranted barriers and by not making sincere efforts to actually be specific in their response to my application for a credit card. Your kind attention to this would be appreciated. 
Also, let it be known, that I have now received in the mail, and for the first time, solicitations by another credit card company offering a similar but lesser credit card product. It is questioned, is this a financial form of bait and switch?

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I received a check that was written out of my same bank for {$120000.00}. I was to deposit it and when the funds were available I was to send a wire out of those funds of {$98000.00} to another account. I was told by the teller that the funds were immediately available. I said right now? She said yes. So on the XX/XX/XXXX I wired the funds through the very same bank. I was then instructed to wire an additional {$19000.00} to the same account on the XX/XX/XXXX. I did so again through this same bank. That night I receive an email that the check had been returned after they had told me it was good.

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 01/18/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The company calls me repeatedly from similar phone numbers. If I answer, the call is immediately disconnected by their system.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Checking or savings account (Checking account) with U.S. BANCORP (AR).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: US Bank had a promotion where one would open a checking account, complete some requirements, then a {$200.00} bonus would be deposited into that account. 

I have read over their terms, opened one of the listed checking accounts, entered the promo code, and completed the 2x billpay requirement, yet the bonus has not been deposited into my account. The terms stipulated that the bonus would be deposited within 60 days of my meeting the requirement. 60 days have passed and no bonus. 

I emailed their customer support and they confirmed for me that I did indeed meet the requirements for the bonus on XX/XX/17. When the bonus was not credited on that day, I waited longer til XX/XX/17 before emailing their support again. They said they would forward that info along but no progress have been made.

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 02/19/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Application, originator, mortgage broker

Complaint: I worked with a Wells Fargo loan officer to purchase a investment property. I was told I would need XXXX % down. They were aware that the property was duplex. 5 days before my closing I was told I needed XXXX % down. Since it was there mistake they stated they would reduce some of my fees. In fact they increased my fees. 
I do n't know if this other complaint goes to you but my closing title company did not provide anyone to close with me to explain the documents I signed. They just told me to go to any notary since I lived out the state ( even through they knew this and did n't make arraignments ). Also I have not received a copy of the signed closing documents I signs and I was not provided keys and the XX/XX/XXXX rent to the address and lease agreements. They told me I have to contact the owners realtor to get that even through it was in my contact. They realtor told me they ca n't give me a copy and to ask the renters. Also I have received the rents.

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 02/25/2018 about Debt collection (Private student loan debt) with RMS-Recovery Management Services, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I've been receiving phone calls from Recovery Management Services Inc. Since XX/XX/XXXX. On XX/XX/XXXX I sent a Debt Validation letter to Recovery Management Services requesting that they send me validation of this debt and proof that they are licensed to collect in my state. They did send me validation of the debt, but no proof of licensing in the state of Michigan. After searching on my state licensing and regulations website Recovey Management Sevices Inc. did not come up. They are not licensed to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My credit has been ruined by Navient/XXXX. I experienced a difficult time obtaining a home loan. Since the beginning of XXXX, XXXX XXXX at the time, did n't want to work with me to find a viable payment plan. They just kept asking for whatever was due for the month and told me the only solution was to do a forbearance if I wanted any relief. I told them my situation and that I was n't earning enough to pay the amount they set for me. I was right out of school and they were forcing me to pay almost XXXX of my monthly income. I never missed a payment, I just could n't pay the whole amount in XXXX. They then placed my loan on default status and I was sent to collections in XXXX. I maintained a good record up to this day, but the first year in XXXX, my payments were n't being applied, the amount just kept going up each month. Now my credit report shows I 've been deliquent, despite making monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (Payday loan) with Secure Capital Management, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have been receiving harassing phone calls from Secure Capital Management , Inc. They are calling on behalf of a pay day loan I am not able to pay back. I spoke with the loan company a couple of months ago and told them of my financial hardship. XXXX called me repeatedly back to back yesterday at XXXX, XXXX, XXXX, XXXX, called my friend and my job. He verified my contact info and address. Shortly after he threatened me saying an officer is coming to my home to serve me and I will have to appear in court. I told him ok and he asked for my address again saying he did n't have it and needed it to give to the officer. He connected me to XXXX to make payment arrangements on yesterday to begin payment on XXXX XXXX, however, XXXX XXXX, an employee of SCM, called me today at XXXX and XXXX asking for my payment info. I understand I have a debt to be paid, and if I had the money I would surely do so. I am working on reduced hours due to cut back and I simply just do n't have the money

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The consumer reporting agency has repeatedly falsified information on my credit report.the false information has made a drastic negative impact on my credit score, this impact has prevented me from goals such as home ownership among others. The reporting agency has updated information on several accounts that have been closed for a extensive time, thus violating the fair credit reporting act. The following are closed accounts that have updated as late or past due in recent months. 
1.XXXX - closed XX/XX/XXXX showing past due in XX/XX/XXXX also showing incorrect amounts2.XXXX - closed XX/XX/XXXX showing as past due in XX/XX/XXXX3.XXXX ( XXXX ) closed XX/XX/XXXX showing as past due XX/XX/XXXX4.XXXX ( XXXX XXXX ) closed XX/XX/XXXX showing past due XX/XX/XXXX5.XXXX XX/XX/XXXX showing past due XX/XX/XXXX6.XXXX closed XX/XX/XXXX showing past XX/XX/XXXXThese items are reporting as if they are recently past due, thus leaving new creditors to believe my current situation is such that I may not pay them responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was told that the Bankruptcy that I filed in 2004, information was not showing in my report and it is attached you will find the documentation to support that they are still showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2015 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I authorized a payment on XXXX/XXXX/15 for {$550.00} to XXXX using XXXX Pay from my Bank of America Savings account. I also took {$60.00} out of the ATM on XXXX/XXXX/15. On XXXX/XXXX/15 Bank of America took out {$540.00} and applied it to my personal checking account without my consent and returned my rent payment as insufficient and applied a {$35.00} overdraft fee to my account resulting in a negative account balance of {$10.00}. I am attaching a copy of my rent statement showing the authorization made on XXXX/XXXX/15 for my rent and the ATM receipt for the {$60.00} I withdrew from the ATM.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Debt collection (Medical debt) with MVBA, L.L.C. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I am a   XXXX   XXXX   XXXX    XXXX  Veteran. In   XXXX   I was taken to a hospital via  XXXX . Total bill : {$1400.00}. For whatever reasons the  Veterans Administration refused to pay the bill. Every few months I receiv e a new bill with threats of contacting my employer ( I 'm not employed/Unable to work ) and/or garnish wages. Under federal law they can not garnish VA Compensation. By reporting my bill to the credit bureau every few months the statue of limitations starts over. I have been told that they can do this to me for the rest of my life. So, for the rest of my life I will have this bad mark on my credit report. And, for the rest of my life each and every year they report it as delinquent the account is considered a new collections and the Texas State statue of limitations starts over. I have filed a complaint with the Texas Attorney General 's Office and I 've have contacted Texas Veteran 's Lega l Advisor a nd am currently seeking additional advice from the  XXXX   American Veterans Association of America.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit card () with U.S. BANCORP (TX).
Issue: Rewards

Complaint: The promised promotion to give bonus XXXX miles was not given because of the reason that minimum spending was not met. The minimum spending have changed to higher number than previously offer. This is not honor to the offer. 

And after calling, the agent admitted the mistake but could n't correct the issues or take responsibility to reissue the promised miles due to the request are not in 4 months time frame after issue the credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: This is a complaint against the department prevensin fraud credit card Costco, the reason for this is the lack of respect towards me and discrimination, for no reason have blocked my credit card and to check if I am the owner of the card. I have been asked a number of papers that have no problem in supply and in fact send by fax, and have called multiple times to see if it was reviewed your request, and just tell me represent we have not received anything yet. that brazenly tell me in my face liar. In view only tease me saying that you have not RECEIVED nothing and that in such case they how many days it takes not to receive and review them, reason that makes me go to this department to provide a complain to expedite this as pc they are a serious department. I feel cheated with this situation as it is the second time that make me, a representative of the department fradude was very rude and inconsiderate when I explained that I am traveling and as he had no such contact me I had to block the account I told her to call me a mobile phone and could receive text however did not want to do the review and that because my phone XXXX not registered when that phone has always been in my accounts citi Bank and the house and I said I had my house extension and received calls and either and for this reason XXXX XXXX put my card into research and I find travel and caused me a very unpleasant extres.

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 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I signed up for the XXXX for persons who work in non-profit back in XX/XX/XXXX. I was told that after XXXX years of repayment loans would be forgiven. I went back to school in XX/XX/XXXX and Navient put me on deferment without asking me if I wanted a deferment. I DID NOT! Now my XXXX for non profit has to start all over again. I have been working for a XXXX museum since XX/XX/XXXX. What can I do about this??

Company response to consumer: Closed with explanation