milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Advertising and marketing

Complaint: Citibank advertised a promotion for its XXXX co-branded with Sears to provide a 10 % statement credit for purchases cumulatively exceeding {$300.00} and made at gas stations, grocery stores, and restaurants in XXXX and XXXX, 2016, specifically stating : " For total eligible purchases of {$300.00} or more each month XXXX/XXXX/16 - XXXX/XXXX/16 up to a total statement credit of {$100.00} each month. '' I registered for the promotion on its first day and spent over {$1000.00} in each of the XXXX and XXXX billing cycles at gas stations, grocery stores, and restaurants. Citibank, however, has credited me only the first {$100.00} statement credit and is refusing to provide me with the second.

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 10/23/2015 about Debt collection (Auto) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On XXXXI got a call from XXXX XXXX XXXX XXXX a man namedXXXX XXXX XXXX This was in reference of a motorcylce i had finance by Harley Davidson Credit. XXXX XXXX first failed to read me my mini miranda rights. Second he was still demanding payment after I told him not to call anymore. He keep asking me that he can help me but never told me how. 
Original I had notified Harley Davison Credit of my situation and NOT to attempt to communicate with me or my family or place of employment about this matter. If unable to settle this all the amount due will be the ten times the amount in a civil, state or federal Law Suit. Please advice me is I should take this matter to a higher legal level. 
Thank youXXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (I do not know) with Weinberg Mediation Group LLC (AZ).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Called me at XXXX on XXXX/XXXX/XXXX with a recorded message. Call often after XXXX. Calls all the time from spoofed numbers. Always a recorded message. Always implying legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: The parties entered into a HAMP permanent loan modification agreement onXX/XX/XXXX, which expressly provided that the modified principal balance included all amounts, including escrows, that were past due. The loan documents confirm that any past due real estate taxes would be added to the mortgage loan balance. For reasons the servicer refuses to explain, theXX/XX/XXXX real estate taxes where not paid until XX/XX/XXXX The servicers untimely payment of the real estate taxes breached the terms of the loan modification agreement which required that all past due amounts be capitalized. This also caused an escrow shortage which caused my mortgage payment to rise to an unaffordable level. <P/>In an attempt to resolve this matter, the parties have engaged in extensive written correspondence as follows XX/XX/XXXX ( borrower )XX/XX/XXXX ( lender ) XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender )XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender ) XX/XX/XXXX ( borrower ) XX/XX/XXXX ( lender ) XX/XX/XXXX( borrower ) A copy of the correspondence is being uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: APR or interest rate

Complaint: I have a Best Buy store card through Citi that advertises a " no interest '' promotional period. First, it was not at all made clear to me that the interest still accumulates unless you pay the balance in full. Secondly, I had requested and received alerts regarding promo-balances coming to the end of their designated time periods. In XXXX, XXXX promotional balances came up without notice and my balance more than doubled ( over {$3000.00} in interest charges ). 

I ca n't imagine that they would have no obligation to actively notify me that I 'm about to incur a {$3000.00} fee.

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 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JH Portfolio Debt Equities, LLC (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I submitted a complaint against JH Portfolio, they responded without requested documentation like a contract with my signature showing the exact amount borrowed. JH Portfolio responded with a copy of a purchase and payment history that could belong to any one, the amount on the presented documentation is very inaccurate, i never borrowed such amount. i request full verification of the debt, chain of purchase and history dating back to original creditor including a contract with my signature between myself and JH portfolio.

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 05-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Dear Credit Reporting Bureaus : I have been monitoring my credit scores weekly for about two years now and I am " stumped '' at the constant fluctuation in my FICO score from week to week. Thus, I have had to break down and purchase XXXX at {$20.00} per month just to try to protect myself further. Monitoring my credit scores and constantly having to fix them is taking a significant amount of time out of my life. This should never be! 

I have a complaint about your FICO score calculations and the fact that there is no " explanation '' as to the CONSTANT fluctuation in my score every week. 
On XXXX XXXX, I checked my FICO score and it was XXXX. Within one week ( today ), my FICO score dropped XXXX points with XXXX ... XXXX points with XXXX ... and XXXX points with Experian. When I viewed my credit report, I saw that I had done nothing wrong. I continue to obtain credit offers with lower interest rates, I am never denied credit, and I pay my payments on-time with all of my new accounts. 
Since you credit reporting agencies hold so much " power '' over a person 's life ( their FICO score determines if they can buy a house, buy a car, rent an apartment, get a job, and various other " life issues '' I INSIST on a detailed, specific, verifiable explanation as to WHY my scores dropped from each of you. Since your agencies actually assigns a NUMBER which determines whether a person has " very poor '' credit ... '' poor '' " fair '' " good '' and then " excellent '' credit, there must be a certain " MATH '' that you use for each point. I demand to know the math - long form, that you have used to drop my scores. 
I have requested this about 1 1/2 year ago and was given a vague, ambiguous answer by credit reporting agencies that are authorized by the government to assign these FICO scores. This is NOT ACCEPTABLE!!!! 
Since your calculation can keep me from buying a car, home, or even rent a simple apartment. Since you have SO MUCH control over my life ... because of the FICO score that YOU determine. I want to know " specifically '' WHY my score has dropped with detailed explanation. 
When such serious responsibility is given to an organization, then ACCOUNTABILITY is required. 
So, to XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To XXXX ... please tell me why you dropped my score by XXXX points within one week? 
To Experian ... please tell me why you dropped my score by XXXX points within one week. 
Please take responsibility by being " vigilant '' when an outsider attempts to provide information to assure that it is correct.

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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a bankruptcy discharge on XX/XX/XXXX and have attached it to this complaint. My complaint is against T.U. Consumer Relations, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX. I have attached a copy of a denial. It says reason for denial : # of months since 30 days past due is too low, accounts in collection or 30 days past due, High ratio of accounts past due. How can this be since I was in a 5 year bankruptcy that was recently discharged on XX/XX/XXXX? Every single one of my debts that had any balance on XX/XX/XXXX was included in my bankruptcy. There is nothing on my credit report that was not included and that has not been discharged. That said, it is against bankruptcy laws for TransUnion to make the statements they made in this denial and no creditor is allow to show me past due, charged off or having a balance. TransUnion and the reporting creditors are in violation of the Discharge order. It this matter does not get resolved through CFPB, I will be filing an injunction through the bankruptcy courts.

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 07-07-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NC).
Issue: Managing the loan or lease

Complaint: I have my auto loan with Wells Fargo Dealer Services. They lost one of my payments. I was notified in XXXX that I missed a payment in XXXX 2014. I went to my bank and got proof of the payment. When I proved that payment I was told it was XXXX 2014 payment. I got proof of that payment from my bank and sent it in to them. I was asked for proof of payments for that entire year and I complied. Wells Fargo still has n't corrected this error. They have been lying stating that The Attorney general 's office has n't contacted them but I have a copy of every letter sent by XXXX at the Attorney general 's office. He also stated that Wells Fargo contacted them on XXXX XXXX asking for another extension. The Attorney general 's office has been involved in this since XXXX and Wells Fargo refuses to respond to their requests therefore I was directed here by them. When Wells Fargo called me last week they stated that XXXX in their office of the President was no longer with them and there were no notes on my file. They have charged over {$200.00} in late fees to my account and reported negatively to the credit bureau for their own mistake. It is evident that this has happened a lot with them because in XXXX 2014 they posted someone else 's payment to my account per XXXX therfore it looked like I made an extra payment that month. If you look at my account history on their site they tend to reverse a lot of payments because payments are posted wrong, even when you pay electronically on their website. I have attached a copy of my payment history screen off of their website. The Attorney general 's office has submitted all other correspondence from my bank as well as the payment history screen from their site, to them in XXXX and 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 06-10-2017 about Debt collection (Other debt) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX   XXXX ,  2017 i re ceived a phone call from Tower Loans ( I have a loan from them since  XXXX     2017 for a be d i bought ). The woman on the phone did not identify herself but I knew it was Tower Loans from the Caller ID. She said " Why do n ; t you  cone in today so we can give youa {$1000.00} loan. '' I said not hank you aI already have a lo an I m pa ying you. She then said,  XXXX   XXXX  you ned to come in and pay your past due amount. '' I said I do not have a pass due amount, Iit is not due until  XX/XX/XXXX . She argued with me and said no it was pass due on  XX/XX/XXXX .I said " No, I am looking at paperwork and it explicicty says  XX/XX/XXXX  '' my sone was near me as I had phone on speaker, so he heard the whole conversation - she said " Ma'am you need to come to  XXXX   XXXX  now and pay your late payment? I was then in tears and said i can not do that and cross the bridge at my age. I then heard someone in the background say - Oh you have the wrong account! My son then jumped on the phone and demanded they make an apology to me for harassing me. The manager refused. He said we will apologize for making her upset but not apologize for harassment. That 's my case. I have never in my life been late in a payment, I 'm  XXXX   years old, a nd always make payments on time and to be treated like this to a customer. Originally I only wanted an apology for harassment, now I want monetary damages. I hope they kept tapes of the phone call. It will prove my point

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 04/25/2017 about Debt collection (I do not know) with CDI Affiliated Services, Inc. (ID).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Calls began on  XXXX   XXXX  for a debt owed to another individual. I have received cal and messages on  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX .     I sent an email on  XXXX   XXXX  to stop calling my number as I was not the person they were attempting to reach. Then called on  XXXX   XXXX  and they proceeded to tell me they have no record of calling my number and proceeded to check if I had any debts owed instead of resolving the matter. Then I emailed again on  XXXX   XXXX  to stop the collection calls

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (CT).
Issue: Adding money

Complaint: My name is XXXX XXXX i have a rush card, I went to XXXX to had money to my card I did XXXX cash deposit XXXX for XXXX dollars and the other was for XXXX. And I never got my money on my card. It 's been 3days ever since Friday. I have bills that is due by a certain time and every time I call rush customer service there is always a long wait with no answers. My money is missing and I wan na it now. I have XXXX plus a grandson so I need my cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: We received a purchase contract on XXXX XXXX, 2015. SPS is the XXXX lienholder and for over a year we can not get a short sale approval. The XXXX Lienholder will not issue a short sale approval until the XXXX lienholder releases their short sale approval. I filed a complaint with the Ombudsman Department at SPS and I called in today to make sure they have received my complaint and a Rep. in the Ombudsman Department named XXXX told me that they will never issue a short sale approval until the XXXX Lienholder sends out their approval XXXX. I have both lienholders telling me that neither one will ever issue an approval until the other one does first. The XXXX Lienholder is a Conventional Private Investor. The Buyer has been hanging on for over a year and the seller has cooperated and provided everything needed for the file. I will be reaching out to our Liaison with our local Sentor 's office as well. Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Consumer Loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing the loan or lease

Complaint: I had an equity loan with Bank of America that was paid off on XXXX/XXXX/16. I have requested NUMEROUS times for them to send me an accounting of the figures closing out the loan. I believe it is call the Truth and Lending statement. They have continually refused and previously I complained to you because they refused to give me any information on this loan other than charging me an outrageous amount of interest that they did not break down or define at how it was arrived at. My prior case with you is, XXXX # XXXX. I received a letter from Bank of America today from their department that handles loans discharged in bankruptcy and has to do with my default. My loan has been paid in full. All I want is an accurate accounting of the end figures on that loan and now they have it in the resolution department in discharging a debt. I DEMAND FROM THEM A TRUTH AND LENDING STATEMENT AS TO WHAT HAPPENED AFTER MY LAST MONTHLY PAYMENT OF THE LOAN. i HAVE NOT DEFAULTED ON ANY LOAN AND IT HAS BEEN PAID IN FULL AND ACTUALLY HAS BEEN OVERPAID. I would also like to know Bank of America 's usual practices when a loan is paid off and how many XXXX people they are ripping off. Thank you for looking into this matter for me. XXXX 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 06-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IA).
Issue: Incorrect information on your report

Complaint: Okay, so I am getting  XXXX  tired of dealing with this. I filed a complaint  XXXX  after NUMEROUS attempts to get it resolved directly with the mortgage company. After having the complaint forwarded to them from you, they finally figured out they were wrong the entire time. They admitted as much in the complaint and agreed to start reporting this m onth (  XXXX  2017  ). Here is the problem, you guys just closed the complaint without asking me if it was resolved, which its not. Here 's why- I should several years of on time payments reported with this account which would significantly improve my  credit score by increasing the average length of credit accounts, and % of on time payments. So the issue is still not resolved, and i 'm trying to figure out why nobody consulted me before closing it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: MAJOR issue here. Back in  XXXX ,  XXXX , I contacted  XXXX  after I received a letter about an  XXXX   XXXX  credit card application denial after never submitting an application. I contacted  XXXX , and they told me they would remove the inquiry. I put fraud alerts on my credit reports, and still get hard inquiries. Fast forward to  XXXX , and I 'm still regularly ( at least 2 times a month ) receiving application denials for the  XXXX   XXXX  credit card, which still to this date, I 've NEVER applied for, nor ever want. I contacted  XXXX , again, and was told they 'd remove the inquiries, even the one from  XXXX  still on my credit reports. Then I was told that they were n't going to remove some of the inquiries, and to submit a request for removal with the credit reporting agencies. I did so, VERY begrudgingly, and received denial of removal letters stating, and I quote, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' As of today 's date   XXXX   is showing : Company Information :  XXXX   XXXX  Date of Inquiry :  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  Experian is showing :  XXXX   XXXX  Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX    Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   Date :  XXXX   XXXX ,  XXXX  And   XXXX   shows nothing.     I 've put a fraud alert with the credit reporting agencies, and still get hit with these inquiries. I 'm at my wits end with  XXXX   XXXX , and  XXXX . Although this is n't so much  XXXX  's issue as they 've reset my  XXXX  account thinking I was a victim of a hacked  XXXX  account. Even after that, the issue is still occurring even after  XXXX  reset my account information. The issue is n't so much with  XXXX , but with  XXXX  repeatedly processing unauthorized credit requests for the  XXXX   XXXX  credit card, as well as repeatedly telling me they 'll remove the hard inquiries from my credit reports, and failing to do so.

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 09/14/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (MI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Wells Fargo needs to answer these questions in full based on their last response to the same issue. Refer to CFPB # XXXX. 

XXXX. In their response to the above complaint is Wells Fargo denying ever sending me anything on XXXX XXXX, XXXX? 

XXXX. If not, are they only denying sending me a rejection letter on that date? 

XXXX. If yes to above, what do they claim they did send me on that date? And why did they send it and what records do they have in their possession to prove what they sent me? Please supply all documents to support the claim that something else was sent to me on that date. 

XXXX. Is Wells Fargo claiming they do n't have any records of sending me anything on that date? If so what records do they have to prove they sent me anything during the application process? 

XXXX. Wells Fargo either needs to admit they sent me something on that date via XXXX  or deny sending me anything on that date. Since there are records of that transmission having been sent to me they must either acknowledge or deny 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