milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: This complaint is regarding Citibank and a promotion that was offered via online - Promotion XXXX. The promotion was to earn XXXX XXXX XXXX XXXX after certain criteria were met ( which they were ) including opening a Citigold checking account, make debit card purchases totaling {$1000.00}, and XXXX direct bill pays - all within a certain time period. I opened the checking account via the promotional link and I called to make sure the checking account opening was linked to the promotion ( which they confirmed that it was ). I met all of the criteria and waited for 90 days for the points to post which they have n't. When I called Citibank regarding the offer they said there was no such offer in conjunction with the opening of my account. I have called and send secure messages but they refuse to give me the points which were part of the offer.

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: XXXX Credit bureau has been reporting 14 collection accounts to all the credit bureau after several debt validation disputes. The disputes were performed by three credit repairs services and myself. I have never received any information regarding this debt ; the only response is this company wrote in the remarks " Consumer disputes this account information '' but I have never received any correspondence or proof from this company. There are two entries for XX/XX/XXXX and twelve entries XX/XX/XXXX. I have no idea what these charges are and the volume of these entries on my credit reports are concerning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely angered with how Equifax has handled reporting this breach. Hardly anything at all was done to notify the public for nearly a month after the breach was detected. A physical letter? No! An e-mail? No! Unprofessional and low class. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. This potentially could ruin millions of hard working people.Dealing with the 3 credit reporting companies is beyond tedious. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit card protection / Debt protection

Complaint: Dear XXXX XXXX XXXX and XXXX XXXX XXXX, I like my Capital One products but there is a personal issue that is partially unresolved. It is partially resolved because Capital One was able to make monetary restitution to a credit card insurance scheme that I was paying. Capital One made misrepresentation of material fact by selling me products that supposed to cover credit card payments if I am unemployed or disable. I am currently having a successful career. However, I went to a very difficult time when I was experiencing hardship by being unemployed and collecting unemployment benefits. During those difficult times, I qualified for benefits as described under the terms of the Capital One benefits agreement. I was being harassed by Capital One on my cell phone to make payments. Some of those collection reps were condescending and rude. Maybe, it was a language barrier problem. They did not want to consider that I have insurance benefits that cover that type of hardship. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying for 5 years to get a modification thru wells fargo and have been unsuccessful. In XXXX a judge ordered that wells fargo had to either give me a re-mod or work out a payment arrangement for the arrears. Wells Fargo has refused to obey the order. I was also issued a stay on my property by the judge, but in XXXX the attorney for wells fargo attempted to sell my home a the sheriff sale. Since the property was not sold the deed went back to wells fargo. Luckily the sheriff caught this illegal act and took my home back from wells fargo and put the deed in my name. We filed a motion to enforce the judges order and since then they have answered the motion and also filed a motion to dissolve the stay. Not only did they not appeal the judges decision, but they refused to follow her ruling and then illegally attempted to sell my home. At this point I am waiting to go before the judge and do not know when that will happen. As of right now they are attempting to sell my home on XXXX XXXX, even tho i still legally have a stay on my property. The sheriff informed me that the attorney for wells fargo will be notified that the stay is still in place, but on the website it is still listed as for sale. I do not know what to do.

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 02/22/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX my property was fraudulently foreclosed upon through PNC Bank and has continued to be reported on my credit reports despite a settlement with federal regulators in XXXX. This fraudulent foreclosure and its related erroneous information have been disputed both with the XXXX major credit bureaus and with PNC Mortgage directly. I have made repeated attempts to resolve this matter, but PNC Mortgage 's blatant disregard for compliance with federal and state foreclosure laws and regulations as well as disregard for compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act have become overwhelming. I feel I have been victimized by PNC Mortgage, and that PNC Mortgage 's continued reporting of erroneous information has caused me financial harm. 
I have maintained that this " foreclosure '' was faulty if not completely fraudulent. This position is supported by the fact that as part of a settlement with Federal regulators in XXXX, PNC Bank issued a payment to me admitting that I was eligible for payment due to being victimized by their faulty lending and foreclosure practices. At that time all fraudulent reporting of the " foreclosure '' of the " account '' should have been immediately ceased and deleted. This unfortunately has not been done as of today 's date.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over XXXX dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In XXXX this company sent multiple letters requesting this be removed from my credit report. It has been XXXX years since this company ( XXXX XXXX XXXX XXXX ) sent this request in writting. Equifax, XXXX, and XXXX are still reporting this negative account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: I applied for a conforming, 30 year fixed mortgage from Chase.  I am a partner in a 400 person firm, have been employed without a break for over 30 years, have a hefty bank account, putting 66% down on the house, have XXXX the loan amount still in the bank after close.  XXXX Chase tells me the debt service threshold is exceeded, then it's my company's acquisition that's the problem, then my XXXX income, and after 60 days of going back and forth, asking me for the same info over and over, Chase changes the term of my loan, making up "exceptions" Based on the above, and making excuses on info they have for 60 days. I paid for and locked into a 3.75% rate, 0 points, and now after 60 days, they are trying to charge me XXXX points for the same terms.  
They have left me with no alternative for other funding due to the contract date coming up.  Someone in Private Banking at XXXX says Chase is XXXX, I'm a model borrower, tons of assets, excellent income, liquid assets, but now I feel I have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested a validation of debt with the collection agency Hunter Warfield when I received a bill for {$510.00}. I advised them that I did not owe XXXX and that I would like all charges verified and explained. I received a letter from credit agency dated XXXX/XXXX/XXXX stating that they received my request for verification of debt and needed more time. THe letter clearly states they will suspend collection activity and credit reporting until they can properly validate the debt. Months passed with no contact or validation. On XXXX XXXX I received a call from the agency attempting to collect the debt. This agent had no record of my request for validation. I advised the collector I received a letter from them acknowleding my request for verification of debt, he asked me if i had a copy of the letter they sent me. I told him yes, but to look in his records if he needed to verify it. I advised the collector that by the Fair Credit Reporting Act they had 30 days to respond and did not, and that per my letter he was not supposed to be attempting to collect on the debt. This agent proceeded to threaten me that he will ruin my credit if i do n't agree to pay. I advised him to look at their records and it will clearly show I requested a Verification of Debt. He repeatedly just asked so you are refusing to pay the debt over and over. I continued to advise him I am not refusing to pay and it was an invalid debt that was disputed with their agency months prior to his call. He continued to disregard what i was telling him about violating the FDCPA and that he could not act like this was the first collection call regarding the bill. I told him by law their time passed and even on the call he could not provide the information I requested 4 months prior. I advised him to research his records and to stop calling me because he is in violation of several laws. The agent hung up on me. A few weeks later I noticed the collection account on my credit report. I sent the agency a certified letter, which they signed for on XXXX/XXXX/XXXX. I advised them they did not validate the debt and that is was not a valid debt to remove from my credit report immediately. I advised them on the treatment from their agent and all the laws they have violated. I informed them that the bill went from {$510.00} to {$2200.00} and that was falsifying information to my credit report. I received a 2nd bill from them dated the same day XXXX/XXXX/XXXX but with the new amount {$2200.00} that again was not itemized of the bogus charges. As of today, almost 6 months later, they still have not responded or removed the account from my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I attended a school that was closed down just a couple months after I had signed up. The teacher refused to come to school due to their pay being cut as well leaving us with out a correct attendance.. I have tried to explain to Navient the situation. They mention they were unable to do anything I pushed the matter further and have spoken to many of the higher authority which was just circles after circles. They mention they did n't have any information that I will have to contact department of education. I requested my transcript in which information was incorrect I have never signed any paper to withdraw. I had to go through department of guartuneeship. I was forced to pay the full amount unable to settle I am a single mother that is trying to make a better life for my children and purchase a home the only way I am able to was to pay this off. The customer Service was horriable Navient did not report to my credit for two months making my credit go down. After I contacted them after payment they mention they were unable to see my account!

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (OH).
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint: I need every inquiry removed i see a lot that were not approved by me. i was trying to PRE qualify

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
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 requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXX However, I have received a debt collection letter from a company called XXXX XXXX XXXX same address as XXXX XXXX XXXX who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX Amount : {$610.00} I received a debt collection letter from XXXX XXXX XXXX XXXX, XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XXXX XXXX, XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - Equifax, XXXX and XXXX and they have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Recently I suffered a leg injury which has prevented me from returning to work and living on fixed XXXX XXXX  payment. I was informed by a co-worker via text messaging of a phone call recrived by my employer which was made by XXXX XXXX XXXX XXXX. Previous to becoming injured I had imformed this agency that the number they had was that of my workplace and that it was against company policy to take non emergency personal calls. At which point I asked this agency stop making phone calls to my place.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Td bank needs to send info faster. I have been waiting for them to report my recent transactions to XXXX XXXX ( mobile app, payday advances ) so I can cash out since XX/XX/XXXX. I  am not able to cash out without the bank properly reporting my recent transactions in a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit card () with WELLS FARGO & COMPANY (MI).
Issue: Bankruptcy

Complaint: My ex husband filed for bankruptcy on a Wells Fargo Credit Card. I was listed as the second cardholder, i did n't sign anything obligating me to pay for this card and it was discharged on my ex husbands bankruptcy.Wells Fargo has severely damanged my credit scores by falsely reporting this 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 non-monetary relief
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 account on XXXX. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of XXXX, and Equifax. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX. XXXX says not until XX/XX/XXXX and XXXX told me XX/XX/XXXX. I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.

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 12/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have received letters and marks on my credit report for several account in the office of EOS CCA # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , MA XXXX I have requested a proof of claim and validation before any legal actions can be taken. I never received a response back it has been over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have no recollection of this collection. NATIONAL CREDIT SYSTEMS. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a phone call earlier today at my work from a debt collector named XXXX XXXX # XXXX saying I have an old debt From XXXX. She called my work and asked to speak with me and my boss said he did n't want anymore calls coming to the office. Please help me get the collection calls to stop Because it should n't effect my work and it does not look good for me as an employee. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint last year against Ocwen Loan Servicing , LLC stating that due to their error my homeowner 's insurance was canceled to lack of payment. The money was in my escrow account but they never paid. I have been going back and forth with Ocwen ever since. I thought we came to a half way resolution, but I received notification that my payment has gone back up after the escrow analysis that was completed in XX/XX/XXXX. I am attaching a few emails from Ocwen stating they would make sure my payment did not go up due to the insurance but it has gone up {$60.00} a month.

Company response to consumer: Closed with explanation