milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/20/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: TIME IS OF THE ESSENCE! 

XXXX XXXX has been determined to be XXXX by XXXX. XXXX has designated someone to deal with Wells Fargo on his behalf, to explain details. A form for designating this person needs to be provided by Wells Fargo. 

Wells Fargo Representative, XXXX XXXX? XXXX XXXX XXXX XXXX XXXX left voicemail. when that number is called, someone else answers. XXXX XXXX needs to not be given the run-around, but have assurance that his concerns are being addressed. 

A voicemail was left at the above XXXX XXXX # XXXX ) for a single point of contact with Wells Fargo . 
2 ) for a modification packet to be delivered to XXXX XXXX XXXX XXXX .. 
3 ) for a Wells Fargo form to be XXXX, in order to be signed by XXXX XXXX to have a designated person to assist with transaction details.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: JH Portfolio Equites place an un verifiable debt on my credit reports in XXXX 2016. I filed a complaint and they said they would remove It via my Consumer Financial Protection Bureau # XXXX in XXXX. It is not XXXX and this still has not been removed. I sent a notice to the XXXX credit bureaus and they all said that in XXXX and XXXX 2016 JH Portfolio Debt Equites confirmed and verified this debt. I called the week of XXXX XXXX 2016 and told the Rep and she told me there was nothing she could do and that there was not letter they would provide me to send to the credit bureaus. This is in violation of my rights.

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 10-06-2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Advertising and marketing

Complaint: I received a credit card offer. The first page had XXXX lines ( I 've marked those on the attachment ) with numbers indicating footnotes, but there were no corresponding footnotes. The bottom of the first page, the one with all the offer language, stated " Please see page XXXX of insert for Additional Disclosures '' but I could find no additional information or further limitations on their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have sent several letters to XXXX and Experian requesting for them to remove the reporting of Bankruptcy on my credit file. I have sent letters to the Courts and they have advised me they do not report to the credit bureaus. XXXX has already deleted this information upon my request. The bankruptcy was filed in XXXX and dismissed in XXXX. These credit bureaus have purchased from my information from a 3rd party company such as XXXX XXXX without my permission. This information should be deleted. I have sent 3 certified dispute letters each to both Experian and XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they keep coming back saying Verified which is in violation of the Fair Credit reporting act.

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 01/14/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I need some assistance with my foreclosure sale date scheduled on XXXX/XXXX/16. I am already in review for a loan modification and have given all the information that has been asked of me for the review. I just need help getting the sale date postponed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus has added escrow payments to the loan they purchased without our knowledge or approval. The original loan did not include escrow payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Genesis Credit Management, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX has refused to provide me with any documentation regarding the alleged debt or with any contact information for her company. I have asked for the debt to be validated every time we have spoke and she either ignores my request, states that " it has been to long now and she does n't have too '', or says that " They do n't have to provide me with information/validate the debt ''. Additionally, I have requested that the company to cease and desist contacting me. XXXX XXXX has ignored my request and continues to call. They claim the debt is from unpaid rental fees, and I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Bank account or service ((CD) Certificate of deposit) with AMERICAN EXPRESS COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: I would like to make a formal complaint against American Express Bank and how they pulled on my credit 10 times since XX/XX/2016. In addition, I would like to a make a formal complaint against them when it comes to prematurely closing my account in XX/XX/XXXX and not allowing me to open another one. 
You see, I open up a certificate of deposit with them in XX/XX/2016 and it took several weeks to get open. However, I could never upload money to my certificate of deposit due to issues with their system. Then American Express Bank decided to close my account without reason and did not allow me to get another one. Recently, I found out from Credit report that American Express Bank pulled on my credit several times.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My Student Loans Are Serviced through Navient. I am currently in default and wage garnishment, because they have offered me nothing but interest-increasing repayment options, an their desired monthly payments are never within reach for me to pay. Even after I fully detail my finances to them, including medical expenses which I dont think is their right to ask about, they still manage to make the payment XXXX dollars more than I can afford. They have also illegally practiced the collection of my debt, at first using threats, then combining those threats with more abusive language, calling me illegally, calling before XXXX an after XXXX, and sometimes even after XXXX. They have refused to let me switch service agents when the ones I have used were rude, and they still call me harassing me even while they continue to garnish my wages. I paid over XXXX in interest alone this year because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Problems when you are unable to pay

Complaint: I have asked them several times to not call me at work and they continue to do so. I tell them i will be in on a certain day or at a certain time and they still continue to call and harrass me. They are very hateful and hard do buisness with and they do not care about there customers at all. All they care about is the money and thry are always very threatening.

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 06/15/2015 about Debt collection (I do not know) with Windham Professionals, Inc. (OR).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I received a call from Windham Professionals looking for someone who I have no knowlege of, and is not affiliated with my phone number. The call was received at XXXX XXXX Pacific Time on XXXX XXXX, 2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: i have been working with Wells Fargo for a loan modification. The  Underwriter  had been requesting documents. On  XXXX / XXXX / 17  they confirmed that all the documents were in and the alert to postpone the sale date was submitted. Today when i called in they stated that the sale date was still scheduled for today and the Underwriter was requesting additional information that was NEVER mentioned in the conversation on Friday. The representative even confirmed that all the documents were in and the postponment should be completed by Monday. This just is not fair!   Please help me as i do not want to lose my home.

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On X/XX/2017, I sent a letter to XXXX, Experian, XXXX to please update my credit report to reflect the following and delete the old information as requested : My full legal name is XXXX XXXX XXXX. Please delete any other derivatives of my name. My current address is XXXX XXXX XXXX XXXX XXXX, Missouri. Please delete the old addresses and update the address with the ones above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. My current employer is XXXX XXXX. Any other employment names are to be deleted. By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the below address. According to the act, there shall be no charge for the updated 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 02-08-2016 about Credit reporting () with JPMORGAN CHASE & CO. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Please help. I filed a dispute with the credit reporting agencies about a balance still being reported as outstanding, after it was cancelled and forgiven by Chase. Also I received a XXXX from Chase for tax reporting, but now Chase is saying that I still owe them even though they issued me a XXXX with a code ( g ) of no further collections. I am reporting this as income for the year 2015. So I 'm confused. I thought that once the XXXX is issued that Chase would show the balance as XXXX on my credit reports, but now they are saying that I still owe them and have to report it as income. So I 'm confused. If I have to pay taxes for the XXXX issued amount by Chase, should n't the balance be reported as ( XXXX ) XXXX balance on my credit reports and is it correct to be reported as a debt and as income? I see this as double reporting. So I do n't understand. If you could help me with resolving this issue it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have been disputed this same account for over the last year ... Here is XXXX # XXXX validation of this account was never proven and I have requested this information a number of times ... It has been 60 days and counting to get this account removed as it has stopped a number of times from getting credit. Equifax is in violation and nothing is been done about it why? Please have them remove this account ASAP. 
I have attached additional information and the credit never showed I owe this debt!!!! Please remove!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2017 about Debt collection (I do not know) with I.C. System, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On    XXXX   XXXX    , 2017 a t approx.   XXXX   XXXX   EST, I checked my   XXXX   XXXX   account as I do frequently since I working on rebuilding my credit so I could purchase a home with  my VA Military Loan. I noticed  that my scores had dropped substantially. I looked through the reports and show a creditor I did not recognize ( IC Systems ), IC Systems reported a collection for {$67.00} for a company   XXXX   XXXX  . The collection account was opened in  XXXX   XXXX ,  2017    according to  XXXX   XXXX  and  XXXX   Credit Reports.  I am not aware of this debt as I never received any emails, letters, or phone calls regarding this matter.     In addition, there are No additional information as to who the original credit is/was, located, and open account date for this {$67.00} debt. I attempted to contact IC Systems however it is the weekend and holiday weekend therefore communication fail. I am afraid to connect with IC Systems as they may be fraudulent and gain access to personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I have opened wellsfargo everyday checking account online with  XXXX  $ sign up bonus on  XXXX / XXXX / 2017 . Received the approval email on same day with disclosure to qualify for the  XXXX  $ credit.     I have received Direct deposit of  XXXX  $ on  XXXX / XXXX / 2017  and received  XXXX  more on  XXXX / XXXX / 2017 . i have satisified the conditions on  XXXX / XXXX /   2017  and i was supposed to recieve my  XXXX  $ bonus on or before  XXXX / XXXX / 2017 , but i have not received the bonus amount. i contacted wellsfargo on  XXXX / XXXX /   2017  and i was told that the bonus is not at all available in their site and i was not qualified. i have attached my welcome email to resolve this issue Terms to qualify is : Within 60 days of account opening, either make  XXXX  purchases/payments with yo ur Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking a ccount opened for this bonus offer.     The  XXXX  debit card purchases/payments must be from the primary linked consumer checking account opened for this offer. Transactions at an ATM do not count as a debit card purchase/payment.   A qualifyi ng Direct Deposit is y our salary, pension, Social Security, or other regular recurring monthly income, electronically deposited to your consumer checking account by your employer or an outside agency. Transfers fro m one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.

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 10/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: APR or interest rate

Complaint: Bank of America has been in direct violation of the Credit Card Accountability Act of 2009 by constantly applying payments in excess of the minimum required payment to balances with lower APR. 
After multiple calls, BOA associates have acknowledged the issue and promised to fix it, but nothing was ever done. Furthermore, I 'm fairly certain that the same incorrect interest charges are applied to XXXX other customers. 
This issue has been going on for more than a year with my account specifically, and I simply have no choice but to file this complaint.

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 06/24/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: I had extremely filed extra charging complaint against Bank of America, so I do not appreciated that I had lost money cause of erosion funds what I used expenses.  I do not happy with Bank of America,  Bank of America made me lot of lost money XXXX that why they never refund money to XXXX so they are not honest as I am not interest in female staff handles this case.   

Bank of America used lot of denial my credit card application as they do not like me with my appearances, that I had been notified to Speaker XXXX completion..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: On my previous mortgage with SunTrust which I refinanced to a new mortgage with SunTrust I had my sanitation taxes paid through my escrow. In my initial estimates of payments it was included to be escrowed but when it was time to close the loan it was left off. I made the inquire about why and I was instructed to just call in when I received the next bill and they would add it to the escrow payments. When the bill came in I call Suntrust Mortgage multiple time and spent hours on the phone attempting to get the bill paid. I was told multiple times that I would receive a call back from a supervisor and all the agent was able to do was put in a research request which takes around 3 weeks to complete. Finally I called and they paid the bill but it was late, I was assured that I would not be responsible for any late fees and it would be added to the escrow so I wouldnt have to go through the same battle in future years. I called today ( XXXX/XXXX/15 ) after receiving an escrow analysis, my sanitation tax was not added and they had me pay the late fee. I was told by agent ( XXXX, XXXX ) that there was nothing she could do, they paid the bill as a courtesy, I was responsible for the late fees and it would not be added for future payments. SunTrust mortgage customer service constantly says they will have a supervisor call you and they do not. I feel like I was lied to and deceived through the entire process. I would not recommend SunTrust to anyone as they do not appreciate loyal customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit card () with U.S. BANCORP (MN).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015 I applied for the US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was instantly approved. I was charged the annual fee of {$75.00} soon after. At the beginning of XXXX, US Bank announced that as of XXXX XXXX the Bonus Award Nights feature would be gone. This kind of devalued the program by a half. 

Planning for a trip to XXXX in XXXX I decided to go for another US Bank Club Carlson Premier Rewards Visa Signature Card in order to get enough points before the Bonus Award Nights benefit was discontinued. I applied for the new card on XX/XX/2015. The application was then under review. 

I called the reconsideration line the next week. The agent said my application was turned down and all of my XXXX existing US Bank credit cards were closed as well. I tried to reason with him. He gave me a number of the security department or something to call. The XXXX agent rejected my appeal as well despite the fact that I have a clean credit report and I had been a customer of US Bank for a year. The reason she gave was that I had too many newly open credit lines and they thought I am too risky of a customer. 

I can not accept arbitration like this. If they thought I am too risky as a customer, why did they approve me in the first place? How could the rejection of a new application lead to the closure of all existing cards? The fact is I had a new charge card in XXXX and XXXX new credit cards in XXXX including XXXX US Bank credit cards ( more can be said about this ). All the other banks are fine with it since I always make payments on time. 

What I try to argue is that US Bank can not take my annual fee and then remove the card benefits that were promised upon approval soon after. Besides they can not close all my cards for arbitrary reasons two months after they take my annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in/on your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy does NOT include this information and should be deleted from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (I do not know) with Receivable Asset Management (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: A co-worker of mine in a different branch office of the company I work received a call from Kramer Associates asking to verify my whereabouts. I am not familiar with this company at all, but an internet search reveals they are a debt collector. I have had no correspondence with them, so I have no idea what this pertains to or why they would harass my co-workers. If they feel I do have business matter to discuss with them, they should contact me directly and not at my place of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX and Experian on line dispute webpage do not allow you to complete your dispute on line. XXXX does.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation