milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Recently I applied for a credit card thru  Wells Fargo  I was approved for the card when I call to activate the card I was told I would need to go to my bank and have the banker call them and I would need a Id. Since their was no wellsfargo banks near me going to my personal bank would be ok. Well did this four times and I live 15 miles out of town after the fourth trip I was told I would have to step into a  Wells Fargo  bank so I drove to  XXXX  Texas which is about a three hour trip from my home to take care of this. I met with the banker their and she was very helpful made copies of my Id and copies of  XXXX  bills they needed. So i left with the understanding all was good then the next day they wanted full pages of the bills so trip back to town to fax the copies. The very next day  XXXX  get a call from a lady that said she never received them I said I have confirmation that you did she said the fax machine was at the other end of the building and she had not looked yet. They kept telling me that a hold had been placed on the card because of recent activity that had been on the card and to activate I would need to call the number provided so we could clear this up we 'll soon as I would call they would tell me that they could not discuss this matter with me that I would need to step into the branch to get it cleared up but the letter I received clearly stated that I was to call them. Each time I was told the same thing. Still I have not got a straight answer because they will not discuss it with me. The lady that had helped me at the  XXXX   XXXX  branch in  XXXX  filled a complaint on them Also. They have lied to me cost me money and time jumping thru all the hoops and they want talk to me about a card that has my name on it yet they are telling me that 's it 's activity on the card but the card has never been activated. Something very shady about this hole deal. I have dates for each event that has taken place emails sent to them And records of all of it. I this normal practice for a bank because it does n't seem Very professional my bank even thought it was strange. Why send me a letter telling me to call them to get the matter cleared up then tell me they can not discuss it with me. Biggest dog and pony show I 've ever seen. Can you please tell me what I need to do. The card is showing up on my credit report and shows the balance but I ca n't use it.

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 04/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from XXXX . I had previously disputed this account. I have never done business withXXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P purport I owe. I request that SW CREDIT SYSTEMS L.PProvide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # 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
Consumer complaint received 12-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: I filed grievance with the federal agencies regarding the transaction of note with my servicer. They never addressed the mortgage broker fraud and appraisal fraud and the many regulatory and statutory issues that I submitted for their review. All they did was state, they serviced the mortgage properly and any issues with the transaction of the mortgage is to go back to my home builder. My home builder did not do the mortgage which they are servicing as an agent of the mortgage holder. Now they sent a letter of intent to foreclose. They never addressed one issue that I raised regarding my transaction of the mortgage. They failed and refused to do so. As a consumer using the grievance process to try and resolve with them has failed do to their refusal to even address one issue I raised. I have now sent copies of my letter attached to my State Attorney office and the banking regulatory agency of my state for help. I also sent letter to HUD and FTC and CPFB and Office of the Comptroller of the Currency. Hopefully these agencies will be involved to help me as a consumer regarding these serious issues raised and to be addressed to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The resolution of the previous complaint was in my favor, and equifax reported the proper XXXX balance on my credit report. However, I checked my credit report again, and the original incorrect balance is posted back up again, three months later. Apparently, equifax forgot that they agreed to report the proper balance of XXXX dollars. I want this fixed as soon as possible, with the same resolution ( XXXX balance reported and not currently charged off ). 

Original Complaint is as follows : " Fell behind on debt, and XXXX issued me a 1099-c and forgave the debt. Included 1099-c forgiven debt as income on taxes 3 years ago. Recently, this supposed debt to XXXX popped up on credit report. There was a past due balance on the credit report. Filed disputes with all three credit reporting agencies, and after several disputes and sending all of them a copy of the 1099-c showing that the debt was forgiven, both XXXX and XXXX changed my credit report to properly reflect a XXXX balance on that account ( XXXX still refuses to stop reporting a balance on the debt to all XXXX reporting agencies, even though it was forgiven ). However, Equifax has refused to make the appropriate changes even though I have submitted all the information and the copy of the 1099-c. Equifax told me over the phone that they basically report anything that XXXX tells them to, even if it is false information. They said they could not change the report, even when there is concrete evidence that the debt was forgiven. This is absolutely not true. I warned Equifax that if the information was no updated accordingly ( Equifax has a legal duty to report the truth after their investigation, not just anything that XXXX tells them to, regardless of veracity ), I would contact the CFPB, and they would be able to sort this mess out. I have documentation of the 1099-c, a copy of the letter I wrote them, and a copy of the Equifax investigation result, which did not change anything. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX  services provided documentation to remove this account from my credit file Equifax refuses to remove the account. Equifax does not read the letters provided in order to correct the credit. If this error does not get removed from my credit file asap, i will file court proceedings against them. i have further attached the documentation.   it has been over 6months since the last filed complaint that was never cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello I just made a large payment of {$650.00} to my XXXX card two days ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.

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 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX, acct no.XXXX and XXXX XXXX XXXX XXXX  acct no. 
XXXX are two collection accts showing on my XXXX and XXXX credit reports. 
on EQUIFAX ONLY security credit services llc acct no XXXX is showing as a collection with no balance. 
ALL ARE INACCURATE FOR THE FRAUD OF THE ORIGINAL CREDITOR.EACH ACCOUNT IS FOR THE PURCHASE OF A SOFA.IN BOTH CASES THE SOFAS WERE CONSTRUCTED DEFECTIVELY AND BEGAN TO COME APART WITHIN THE 1ST 30 DAYS OF PURCHASE.WITHIN 90 DAYS THEY HAD TO BE DISCARDED AS REFUSE. 
I APPROACHED THE ORIGINAL CREDITOR IN PERSON REGARDING THIS SCAM. 
LIKE THE FRAUDSTERS THEY ARE THEY OFFERED ME A XXXX DOLLAR CREDIT ON EACH SOFA WHICH I REFUSED.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Dispute to have lien removed as it was paid in full. Dispute re investigation advised that this lien was verified. Reached out to XXXX County where my lien was filed and they advised they had not record of my lien as it is possible it was withdrawn. The agent advised me i could access their website and do a search for my name to see if I had any past liens whether paid or not paid. Was able to access the website and find that I am not in their system nor is any information public record on state taxes from 2008 until now.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. ().
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I apply for my Experian credit report annually via XXXX. For the past 3 years I have been unable to access my Experian Credit Report through XXXX. Per Experian, it is an XXXX website problem. As there is no telephone number that allows me to speak to a person, I must e-mail XXXX, which I have done numerous times over the past 3 years. To date ( XX/XX/XXXX/2017 ) no response. I suppose that I could request a credit report by phone through Experian, however, that seem to defeat the purpose of XXXX. Would you be so kind as to assist with my proble. 

Thank you. 

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 09/13/2016 about Payday loan () with Bliksum, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: Yes, I had been a victim of fraud and scam for this company LOAN ME charge me 135 % a day without my knowledge because of that they took advantage of me being unemployed with no unemployment benefits. I loan {$2600.00} and I still owed them $ {$2600.00} after four month paying {$300.00} a month. 

How can I get out this company. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have sent the loan modification package multiple times and CapitalOne Loss Mitigation team either is not processing the documents or keep losing the entire packet. I have sent them everything they required and now they 're telling me they have closed the file to do loan modification for this loan. I 'm very frustrated with their response, lack of customer service, and knowledge to be handle documents to process this file. I do not have a single point of contact for this request/process as each time I call I 've to re-explain the entire situation to a new person wasting more time and effort. Also, they only accept documents via fax/mail and I have no idea that my sent faxes are being received/processed so I have no way of confirming. This entire process has been an ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I started getting calls from XXXX XXXX XXXX XXXX at XXXX on XXXX/XXXX/15. I also had a missed call at XXXX. I 've had 10 more calls in the 4 days since then some very early in the morning ( XXXX around XXXX ) until late in the evening. 

Most disturbing is that they have obtained information about me illegally and contacted my XXXX today. I have not ever and would never provide my XXXX office number as a contact for any credit application. The only place anywhere that I am associated with my XXXX is via XXXX as on of the contributors of the XXXX page. I have never been an employee or provided any official service at the address. 

I 'm not comfortable contacting them from my phone due to the fact that they have collected very personal information about me from an unknown source. I literally feel afraid with this latest development. 

I contacted the number from a computer phone at the business stated that they are Pioneer Credit Recovery XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I do n't have any additional information or bills from them as a direct or collection agency creditor. 

I 'd like to have some support in taking proper actions, as their approach has left me feeling physically unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was never notified that I owed this company a debt and further more I never entered into a contract with this company and they have never provided me any services. I was never afforded my rights according to the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have consolidated my date and this creditor constantly calls my cell phone and work. I have asked repeatedly for him to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (NJ).
Issue: Application, originator, mortgage broker

Complaint: My husband and I are in the process of buying a home. I was working with XXXX XXXX ( NMLS # XXXX ) on submitting a loan application. 
We received a call from a friend, ( " XXXX '' for the purposes of this story ... XXXX is another broker ) we worked with on getting our pre-approvals when we were making offers. He told us that XXXX had called him pretending to be my husband. " XXXX '' did n't recognize the voice and said he would have to call back and got a phone #. The phone number was a XXXX phone number ( we are in XXXX ) and the voice mail said " XXXX ''. " XXXX '' decided not to leave a message and XXXX called back saying " Hi this is ( insert my husbands name ) '' and when " XXXX '' questioned him saying " I just tried calling you and it went to voicemail of someone named XXXX '', he said " you must have dialed the wrong number ... what rate were you giving us ''? 
Clearly he was acting unethically and likely trying to gain a competitive edge over the other broker we are working with and committing fraud pretending to be someone he is not. I am not only angry but nervous knowing someone like this has my confidential financial information

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This item is past the statue of limitation and should not be listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Debt collection (I do not know) with BTH Management (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit collection agency representing XXXX XXXX XXXX  has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If PLAZA SERVICES does not have any documentation, they need to retract this from my credit file immediately.

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 05/17/2017 about Debt collection (I do not know) with Chaplain Financial Services LLC (IA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: On  X/XX/2017    a recording called my working stating that if this was not ' XXXX   XXXX  to please hang up the phone, as this was in regards to a civil matter on a recorded line regarding case #. '' They company name was   XXXX  or Chaplin    Collection   services ... They have called my work numerous times in attempt to collect on a fraudulent payday loan from  XXXX  fund, which  1. I h ave paid in full numerous times, and  2.   XXXX   XXXX  was in a lawsuit for fraud. I would like them to stop calling and harassing me at work, or to provide actual proof of the claim. Instead they are using aggressive techniques to collect on a debt that i do not owe. called from  XXXX  and said to return call there

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I applied for a XXXX checking account on XXXX XXXX, 2016. This account came with a promotional bonus of XXXX XXXX points once certain terms were met. Those terms indicated that {$1000.00} would have to be spent within 60 days of the account opening. I have written confirmation from Citi on XXXX that my account was eligible for the promo. I completed this task and wrote to Citi on XXXX, XXXX confirming my eligibility in the promo and that I met the terms. Citi wrote back that I was in fact qualified and " all promotional requirements have been met. '' I was told the bonus miles would be accredited to my account my XXXX/XXXX/16. 

Once XXXX rolled around and no points were awarded, I reached out again to Citi. This time they 're telling me they need to check for eligibility, despite already confirming. This has been a back and forth conversation with no real answers as I 'm getting charged monthly services fees. I was original told on XXXX that a response would be received in XXXX4 business days. Despite multiple attempts, I still have not received a response from Citi.

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 07/25/2017 about Debt collection (Other debt) with Omega RMS, LLC (CA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: The charge from OMEGA RMS for {$1600.00} is unjust. This is a timeshare scam and when we went to their presentation, we told them that we did not want to join, but yet they still charged both myself and my husband. My husbank disputed it, and OMEGA cleared it from his credit, however, OMEGA kept the charges on my credit. This is robbery! And, now, it 's preventing me from purchasing a home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There is a student loan from  XXXX  in  XXXX  that has been discharged that still appears on my credit report. There are  XXXX  loans from  XXXX  that were consolidated into  XXXX  loan in  XXXX  but still displays  XXXX  from  XXXX  so indicating I have  XXXX  student loans altogether when I have  XXXX  open. Also ombudsman group advised  Navient  to remove ALL payment history from my credit for all my student loans prior to  XXXX  when I filed bankruptcy and they still have n't done it. This is negatively affecting my credit dye to it indicating I have multiple closed accts plus and open {$12000.00} acct and still displays payment history as well. They have removed some payment history but not all.

Company response to consumer: Closed with explanation