milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am unable to access my Wells Fargo online account after many attempts calling and speaking with customer service reps and technology specialists. I am forced to call monthly to make payment and when I call I often encounter long hold times which is a major inconvenience to simply make a payment. I feel as though Wells Fargo is unwilling to work with me and fix my account and is now assessing late fees and has reported a late payment to my credit report resulting in a major hit to my credit score and reduced credit lines from all creditors.

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 04/18/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Pioneer calls me every single day including weekends. Some days they call XXXX three times. They have called after XXXX. These are robo-calls with the message to " wait for a representative tative. ''

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 09/23/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: We would like to reopen CFPB complaint case XXXX because the representative for mortgage holder XXXX XXXX XXXX : Bayview Loan Service 's response of XXXX XXXX, XXXX XXXX see attachment ) to the original complaint was a lie : ( 1 ) Their representative, XXXX XXXX XXXX XXXX informed us in XXXX of XXXX our title was clear, and that there would be no further issues regarding our permanent modification. 
( 2 ) He wrote in his response to you, which we received a copy of : " Once XXXX XXXX completes the final trial period payment [ which he did XXXX, XXXX XXXX will be mailed a loan modification agreement containing the loan modification terms detailed in the TPP notice as mailed on XXXX XXXX. '' ( see attachment ) ( 3 ) However, we just received an outstanding lien notification from Bayview dated XXXX XXXX ( see attachment ), stating there are XXXX liens in " Exhibit A '' ( see attachment ), and if not satisfied, the loan will be submitted to " modification denial review '' or foreclosure. This was sent after the time period in which our case with the Consumer Financial Protection Bureau was closed, on purpose no doubt. While we have fulfilled all terms of the trial agreement in a timely fashion, Bayview has not fulfilled theirs. No modification paperwork has ever been received. 
XXXX 4 ) Of the XXXX liens submitted to us as " Exhibit A '', XXXX are obviously bogus ( see attachment ) : & gt ; XXXX are from the State XXXX which date to a time when we resided in XXXX State and did not own this property. XXXX dates to XXXX while the other to XXXX. We purchased this property in XXXX. 
& gt ; XXXX are liens on a XXXX XXXX XXXX and a XXXX XXXX XXXX. My name is XXXX XXXX XXXX. Additionally, we do not recognize these XXXX so-called liens as being legitimate in any shape or form. 
XXXX XXXX XXXX XXXX of Bayview lied about our title being clear in the first place, and further, piled bogus liens onto our title. They have a history of playing tricks like this, and apparently are doing the same to us. This link leads to XXXX, XXXXstar reviews of Bayview Loan Services on Consumer Affairs XXXX Those reviews indicate a history of trick-playing stunts like the XXXX Bayview is currently trying to play with us. 
As supporting documentation, I have attached the following : ( 1 ) Bayview Loan Servicing , LLC 's original response to our original complaint, dated XXXX XXXX, XXXX. 
( 2 XXXX Bayview Loan Servicing , LLC 's original proposed modification terms, dated XXXX XXXX, XXXX. 
( 3 XXXX Receipts indicating I fulfilled the modification term requirements, dated, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, respectively. 
( 4 ) The most recent communication from Bayview Loan Servicing , LLC, which now states there are liens on the property, XXXX of which are definitely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NE).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I opened a credit card with American Express in XX/XX/2017. It had a promotional offer that a bonus would be paid if {$1000.00} was spent on the card within the first 3 billing cycles. The terms stated that a cardholder was only eligible for the bonus one time on that card. Several years ago I had a separate American Express card, what I believe to be a different product with different terms. I spent over {$1000.00} on my current card, but was told that I had signed up previously for this card and they would not honor the terms of the promotion. I did not know when I signed up for the card that they did not find me eligible for the promotion. I received a letter in the mail saying I was eligible for the offer. If I was not eligible why were they sending me mail. I thought that by receiving the offer that I was eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Debt collection (I do not know) with Diversified Adjustment Service, Inc. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/2018 I received an alert through my credit monitoring site. The notice I received was a notice that Diversified adj svr had added an account to my credit report totaling {$670.00}. First of all I have NEVER recieved any type of letters or phone calls from this company. I have no signed contracts with this company and I also researched them and seen they were based in a state that is not the State of Michigan. According to the Fair Debt collection Practices act ( FDCPA ) what they have done is completely ILLEGAL and seeing as I have already talked to my lawyer I am entitled to compensation of {$1000.00} in statutory damages. Because of reasons such as this I have the USPS ( government ) send me electronic versions and screen copies of all mail that is sent to my address for my safe keeping and have legal proof that nothing was ever sent to me, so like I said this company needs to cease and desist all collections regarding this make up debt or I will exercise my consumer rights as high as I can. I want these falsified items deleted from all of my consumer reports NOW.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit card () with IMC Capital, LLC (WI).
Issue: Advertising and marketing

Complaint: Got an unsolicited credit card in the mail. Call now to activate got a human, not a computer service. Asking for supervisor got " He is not in yet ''. Credit limit was {$150000.00}. IMCA Capital. XXXX. Return address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Activate on line at www.activatecardnow.com. 

This appears to be a site to loan money to small businesses, not a CC supplier. I consider this deceptive advertising and a considerable nuisance as well. It made me suspect identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$470.00} This account has wrong balance and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ( XXXX ) ACC BAL {$260.00} This account I have never done business with this company I have no contract with XXXX please delete . 
3.XXXX ( XXXX ) ACC BAL : $ XXXXThis account is a HIPPA Act Violation. Please delete error. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.

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 11/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received this letter from Diversified DCI Consultants, Inc. Regarding this Debt that does not apply to me in the amount of {$2200.00} have received this letter twice requesting to remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
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: On   XXXX   XXXX   XXXX     I sent a letter disputing multiple accounts to equifax and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on   XXXX   XXXX  . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to  XXXX  requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in   XXXX   day?     I Followed up with a phone call today   XXXX   XXXX   and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a debt collection letter from Transworld Systems. They allege I owe {$61.00} in an account # XXXX. I do not owe this alleged debt. I called Transworld Systems to dispute this alleged debt and they were rude and hostile towards me and their agents hung up on me. They are flagrantly violating the Fair Debt Collections Practices Act with their hostile debt collection tactics. I do not owe them any alleged debt, nor do I want any further communication from them. I do not owe this alleged debt. Their debt collection tactics have cause me emotional distress. I do not want any further communication from Transworld Systems in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian and XXXX report my XXXX XXXX XXXX credit card two times. 1-as " lost or stolen ''. 2. as paid on time satisfactorily. The " lost or stolen '' is also reported as Derogatory Information by Experian. 
On XXXX/XXXX/15 I phoned XXXX XXXX XXXX to voluntarily cancel my cc because I had n't used it for a long time. I got caught in a telephone loop and finally yelled " LOST CARD '' hoping to speak with a live rep. The loop continued to say that I would be sent a replacement card. I hung up and immediately phoned again. After another 15 minutes of telephone loop I somehow finally got a real live rep. Told her that I had just previously reported my card as " lost '' hoping to get a rep. That the card was in my hands and NOT lost. Told her not to send a replacement card and that I was voluntarily canceling the card. She corrected their records to reflect a voluntary cancellation and not a lost/stolen card. The above XXXX credit report agencies are still double reporting this card as mentioned above. They should correct their records and report the card only one time ( not two times ) as closed per customer request and delete any and all references to lost/stolen. Likewise, if appropriate, recalculate my credit score if appropriate. 
Thank you so much for your assistance now and in the past. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In    XXXX     of 2017, I w as trying to refinance my house. Currently, my student loans through  XXXX  are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered my  credit score  and it is affecting me not being able to refinance. The way   XXXX   is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told  ), it is   making it look like I am way behind on payments. I do call  XXXX  in   XXXX    2017 and they  said that is how it gets reported and there is nothing they can do. They have also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with Citibank and was promised a signup offer of XXXX XXXX XXXX Miles to be posted after meeting certain criteria. I have met these criteria and received a letter stating that I qualified for the bonus AND met the criteria. Only recently that I had inquired about the missing miles, that I was told that I had not qualified for this offer even though I have a written letter from Citibank that I qualify for the bonus as well as confirmation of meeting the requirements. It is wrong that Citibank decided to change their minds after I opened the account and met the requirements.

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 10/13/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery is attempting to collect on a debit they purchased from XXXX XXXX. They claim the account number from XXXX XXXX is XXXX I know for a fact this is a misleading deceptive account number ( Violation of Federal Law ). The account I had with XXXX XXXX ended in XXXX. I paid the account in full XXXX of 2013. XXXX XXXX failed to properly record my payoff. XXXX XXXX tried thorough collection agencies and a law suit in small claims court to collect on the nonexistent debit. During the law suit regarding XXXX of the accounts the true account numbers were reviled when their counsel requested a Motion for Summary Final Judgment. When I presented proof of my payments, the presiding judge denied the motion and immediately faxed copies of my bank statements showing the payments to XXXX XXXX 's counsel XXXX and XXXX ( motion was heard via teleconferencing ). XXXX XXXX 's counsel motioned for dismissal prior to trial and cased was closed. 

I have disputed the account, presented proof of payment to the courts and yet XXXX XXXX sold XXXX of the accounts to Portfolio. How many times must I be harassed over a paid account? 
I wrote Portfolio after receiving their dunning letter with the facts only to receive an unsigned form letter on some nice stationary that states they have completed their investigation of my dispute and nothing changed. If they did truly review that would have found the account to be paid in full. 
If XXXX XXXX 's counsel failed to notify XXXX XXXX of the law suits outcome and or XXXX XXXX failed to notify Portfolio that is not my problem. 

Portfolio has begun a campaign of phone calls to my cell all of which are dead air ( Violation of Federal Law ). They call XXXX day from XXXX XXXX XXXX, TN another day from XXXX XXXX XXXX, VA XXXX XXXX, VA and on and on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Consumer Loan (Vehicle loan) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Problems when you are unable to pay

Complaint: My account with Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX is reporting wrong for the status on my credit report status shows repossession this recent have appear and Ive contact this company a lot of times and they said that they will update the information to the credit bureau and its has n't been update. The last person I spoke with stated they will correct the information I do n't have this vehicle and in the past the account showed charge off as the status not its showing repossession, they went and updated the payment history but at XXXX the payment show good payments but I do n't have the vehicle so they updated but my status shows repossession and it should n't this has cause my credit score to drop to XXXX from XXXX. XXXX XXXX the car was repo on XXXX XXXX the vehicle report charge on my account. Regions recently reported R again as in XXXX XXXX in XXXX XXXX I have proof of the incorrect information and the correct information. They are rude and no one wants to help nor understand my concern, If they are aware of a credit report they would understand but someone in the credit department do n't, they put special codes on my account so that any dispute I do would be deny. I will be contacting the XXXX with my concern. The account is close and its shows open on all XXXX of my credit reports. AWFUL

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 11-07-2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Closing/Cancelling account

Complaint: I have been a SAMS CLUB member over 10 years, and I just find out they sold a unpaid bill under my name to a collection angency and placed on my credit report totally out of my knowlege. This unpaid bill is for a creadit card that I have never ever received, neither a actual creadit card nor a single paper statement! Therefore I called SAMS CLUB, XXXX of their representative told me the account was closed, he can not give me any information but only a number for the Debt collector. This is insane and not a proper way to treat a royal customer. On my credit report, it shows there is just XXXX original charge of {$170.00}, and fees add to it every month, the amount had increased to {$320.00}.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was compromised in the Equifax hack.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: Received calls at my workplace after telling the mortgage company that I can not receive those at my place of employment. They have subsequently called two more times including today.

Company response to consumer: Closed with explanation