milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2016 about Credit card () with WELLS FARGO & COMPANY (DC).
Issue: Rewards

Complaint: Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I had a Wells Fargo VISA Signature Card ending in XXXX. 

I received a letter from Wells Fargo on XX/XX/2016 noting that there had been some suspicious charges on my account and that if this particular account activity continued after receiving this letter, Wells Fargo noted they would close my account. 
The charges were valid charges, however, I followed the direction and did Not make Any Additional charges whatsoever After receiving the letter on XX/XX/2016. As I state, I followed the letter 's directions exactly, and did Not make Any Additional charges after being directed. 

Logging into my online account a few days afterwards, I noted that my credit card has now been closed without warning or letter from Wells Fargo. More importantly, the {$1500.00} in Wells Fargo Go Far Rewards have not posted and have been XXXX out. 

This is wrong. I received a letter from the credit card company/bank and I followed the letter 's directions and did n't make any additional charges. Additionally, for them to close my credit card account outright without notifying me first is also wrong I believe. All charges were valid. Lastly, if they so choose to close my account for whatever reason, I should be entitled to the {$1500.00} in rewards points I rightfully earned. 

Wells Fargo runs a promotion and refuses to pay out to their customers? I believe this is wrong and I am expecting to get paid out my {$1500.00} in rewards. I am hoping you can step in on my behalf. 

Wells Fargo is deceptive and wrong. They claimed they sent me a letter, which they did as stated above. They clearly told me what not to do and I followed their directions exactly. 

I am Tired of Big Banks taking advantage of us. My husband and I have a {$400000.00} mortgage with them as well. IF they seriously want to continue to harm their customers, I will be refinancing with a different institution.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: Accounts are not validated and still are being reported

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 09/28/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling both my place of work and my family members. No details just that they are a debt collector and want me to call them back at XXXX referencing case 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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've contacted Experian and the collection company   XXXX   XXXX   about a debt that does n't belong to me. I 've filed a previous complaint against both companies because I requested Experian to do a thorough investigation of the verification. I also asked   XXXX   XXXX   to validate the debt and initially after months I received no response but when they did send documents, it provided an address that was n't mine and  XXXX  different conflicting balances and the amount exceeding the credit limit by double! They provided a   XXXX   XXXX   that I 've already disputed on my credit file that 's not mine and someone just recently tried a month ago to obtain credit using the same  XXXX  to obtain a credit card from  XXXX . I was alerted through email by a credit monitoring company.
This is my second complaint and want it documented before I pursue legal action against Experian and the collection agency.
The other  XXXX  bureaus have already deleted this account of my file.

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 07/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX overcharged my account by almost {$300.00}, by placing an early termination fee on my account. This was done in era because I still was a customer. After they noticed and admitted to the wrong doing they said they would not and could not take the charge off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with QUICKEN LOANS, INC. (AZ).
Issue: Application, originator, mortgage broker

Complaint: We began the process of a " Rocket Mortgage ''. After giving information online Quicken needed to get our credit report. After checking our credit ( XXXX and XXXX, for some reason it always comes up less in the mortgage process ), Quicken said we needed to contact them to continue as our income is primarily from rental properties. Had we know this in advance, we would not have approved the credit check and subsequent credit hit we would take from it, and I did let XXXX from quicken know about it. After an hour and a half online, Quicken need my tax returns. I was not quick enough in getting it to their online service and was told they would look at it when it was there and they ended the chat. This morning I tried to load my tax returns and I discovered a letter telling me my loan application has been denied for not having my income supported as I was about to do. This is clearly retaliation as I had indicated I would forward this to the CFPB. Now I have a second " ding '' on our credit for the loan denial. Something wrong is going on here and I hope you will examine it. I do have transcripts of the online chat, and the rejection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Medical debt) with AR Resources, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This week AR Resources recorded a opened two open collections accounts backdated to XXXX XXXX for {$39.00} each. The original creditor was XXXX XXXX XXXX of XXXX, MD. This medical bill was paid in full in XXXX XXXX to XXXX XXXX XXXX, and I have proof of payment including both a payment receipt and a payment confirmation number.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CT).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have been with Chase credit cards for 34 years with an excellent credit history but I just recently received a letter from Chase decreasing my credit line. They claim my balances are too high compared to credit limits, which they were actually higher last year. I realize that Chase makes the rules and can change those rules at anytime, but it must be done lawfully. It is against the law to discriminate. I feel that they are discriminating against me because of my age. They have prematurely sent me a condolence letter a few years ago because they mistakenly thought I had passed away. Naturally, they will not admit they are discriminating against me, but I would like this to be on record because if they are discriminating against me, you can be assured they are doing this to other Chase customers. To bad there is n't a way to find that out. I called Chase and they re evaluated my situation a couple of times but refused to change their decision. Another underwriter from Chase was suppose to contact but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Experian, sent them a copy of my drivers license and social security card, they are currently reporting XXXX total different social security numbers to my credit report however only XXXX of them which are off by XXXX digit belong to me. After sending them proof of my social security card I was assured that the combined information would be removed but it has not. 

These accounts include : XXXX XXXX XXXX XXXX XXXX- XXXX for XXXX, I currently have XXXX there is now way I owe XXXX a bill XXXX : checked both accounts, confirmed with them neither are under my social XXXX- called XXXX XXXX directly. I only have XXXX bill with them for a different balance this account does not match my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I applied for a job and they sen me a check to be cashed and become   XXXX   XXXX   XXXX  . I had no idea that this company was fraudulent and that eventually the check would turn out to be a fake, due to the fact that Chase Bank cashed the check and allowed me to make withdrawals. I was a victim of fraud and it costed me my bank credibility. I filed Chapter  XXXX  Bankruptcy in hopes of clearing up the matter and that someday I could again obtain a regular checking account. I am in need of a clearance so that I can have my  Retirement  Check directly deposit to a reputable bank. I cleared up any old debts that I had and still can not obtain a decent clearance from  XXXX . My regular Credit Report scores have gone up and I have few debts. I even took care of all of  my Student  Loans. I filed Bankruptcy  for Chase ,   XXXX    XXXX   XXXX  even though I was the victim of fraud ; I got nothing out of it except loss.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Medical debt) with Choice Recovery, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: this particular agency is still trying to collect a non verfiied debt against me. on XX/XX/2017 I have paperwork that states the following '' be advised that choice recovery, Inc has requested deletion of the account placed by XXXX XXXX XXXX XXXX acount number blab blab to be removed off your credit report. suddenly in the middle of nowhere the agency has reinstated the debt, which is a violation of itself without my express consent. you have also agreed to removed the information from my credit file the second time back in XXXX which has not happened as of yet. I have you choice recovery still reporting on my credit which is hinding my ability to move forward with my life. I will not give in with this, and will continue to fight this battle.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Called company to ask for debt verification. Verification was mailed 15 after. With no return address or informations to send to dispute debt. Called again after receiving paperwork asking for Texas Surety bond information and collector refused to provide it. Asked for address to send dispute and collector hung up. 

Company Name : XXXX XXXX Phone number : XXXX Address listed on credit report : XXXX XXXX XXXX XXXX XXXX XXXX, Tx 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 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX / XXXX /2016   XXXX   XXXX   XXXX    XXXX , VA   XXXX      XXXX   XXXX   XXXX   XXXX  . pulled my credit and I have never been there or gave them authority to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: Coinbase continues to lag transactions to gauge the market. They are currently holding transactions over 72 hours with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX,2017 there was two withdraws from chase my primary checking account for a total of XXXX.I wasnt aware of this until friday XX/XX/XXXX and contacted the bank about this situation.The bank gave me a temporary refund and said they would investigate it/The bank asked me to fill out a form that they mailed to me, which i did.On XX/XX/XXXX I received a text alert that my funds were low.I called the bank and i was informed that they reversed the funds that they had put back into my account .I was told by the service rep that it was determined that the card the atm card used was mine and that I had either given it someone or they used my card.I did neither and tried to explain it to them but was told that was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I would like to speak with someone who can represent me. I am constantly making payments and my debt has not changed within the last year. I would like a representative to take a closer look into my account with Barclay and see what is going on. I feel cheated and mislead.

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 04/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: The mortgage company, Bank of America, requested an IRS Form XXXX to verify tax information. We completed and signed that form. I later received correspondence including a copy of the form the Bank submitted, from the IRS requesting contact to their identity theft department. When I compared the original form to the one submitted by the bank, the original had been altered. The requesting third party had been changed but our signatures still appeared on the form.

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 08/31/2017 about Mortgage (Conventional home mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (WA).
Issue: Closing on a mortgage

Complaint: My home was sold in XXXX 2017 after divorce and the proceeds were divided. There was a remaining balance of {$1100.00} in the escrow account with Franklin American Mortgage Company that was supposed to be refunded. When the check arrived, mailed X/X/17, it was written in both my name and the co-borrowers. I contacted the mortgage company to request that the escrow refund be split evenly and sent to each borrower separately, as this was how the proceeds from the home sale were divided in court orders. The customer service representative refused to help me. I explained that we no longer have a joint account, as we were divorced. I also explained that we are not in contact, as there were XXXX XXXX issues with the co-borrower. She told me I would need to figure it out, that the check had to be sent out to both of us as one unit and would not connect me with anyone who could help. I have a useless check, and FAMC has the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I recently the copy of my credit report sent to me by your company and found that you are reporting the below account incorrectly. Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information on all reports they hold in their possession. When I tried disputing via mail, I received a letter from your company that my written dispute was suspicious/frivolous. The FCRA also states that I have the right to dispute information that is not accurate, a right your company is denying me by claiming my letters of dispute are frivolous or suspicious. 
I have been disputing the below accounts for over a year. And within this time your company has been unable to provide me with the necessary information to prove that the below accounts belong to me. All your company ever do is open investigation after investigation with no end result. Finally in XXXX of 2017 the below accounts were removed as they were found to not be mine. 
I have since learned that your company has improperly re-inserted the below accounts on my report. According to FCRA rules, your company can not re-insert derogatory information on a credit report without first notifying me in writing, which it failed to do. The Fair Credit Reporting Act, 15 U.S.C. 1681 ( i ) ( ( ii ), states : Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion of, if authorized by the consumer for that purpose, by any other means available to the agency. 
Your company has never notified me in writing of this re-insertion within 5 days, therefore, pursuant to the Fair Credit Reporting Act, this alleged account needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I use XXXX XXXX, which helps me get some money from my next paycheck as I earn it because bills do n't necessarily fall perfectly around my pay schedule. I live paycheck to paycheck as it is. But PNC bank barely reports my account information on a weekly basis. They 're supposed to do it as requested, and I 've authorized them a bunch of times already. They do this with the bill paying app I use, too. This causes my balances to be always wrong and throws off everything.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Rozlin Financial Group, Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX 2017, Rozlin Financial Group L placed a fraudulent debt on my credit report. According to my credit report, this alleged debt is for {$66.00} and the original creditor is XXXX XXXX XXXX XXXX XXXX. I have only been to one physical therapist in my life, and I spoke with them about this matter after I found this on my report. They told me that they knew nothing about this, and that they had not submitted any debt to any collection agency. They further told me that ALL of my treatments were paid in full by my insurances since I have both medicare and medicaid. I do not, nor have I ever had an outstanding bill with this or any other physical therapy company. If the bill were owed, I would have paid it, but I will not be paying a fraudulent bill. Furthermore, I was not informed of this bill either before or after it showed up on my credit report. I was not contacted by telephone or by mail with any bill by any of the parties involved. I was not given any opportunity to resolve the issue before it showed up on my credit report. I am not certain whether this fraudulent debt was acquired from the original creditor, XXXX XXXX XXXX XXXX XXXX or if it was purchased from the original debt collector, XXXX XXXX XXXX. I do not however, appreciate that this is the second time this fraudulent debt was added to my credit report, adding a second collection for the same fraudulent debt to my credit report. I want this fraudulent debt removed from my credit report immediately. I have worked too hard to increase my credit score only to have false statements from these people wrongfully lower my credit score.

Company response to consumer: Untimely response
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: NCC Business Services ( FL ) is trying to ruin my credit by stating I owe them {$550.00} for an apartment I never moved into. This debt has been reported on my report for 3 years now. I took a job in XXXX XXXX, Texas and went around looking for an apartment to live in. Found one I was interested in. Put down a deposit however, I never moved. I got transferred. Did n't get my deposit back which I already expected to happen. However, 3 years later I 'm looking at my report and there is collections on there from NCC. I contacted the apartments ( XXXX XXXX in XXXX XXXX, Texas ) and they have already changed owners. The manager told me she could n't settle the amount because I never lived there. She had nothing to tie the money to. She told me to contact the collection agency. I 've gone through XXXX to try to get it disputed. They told me the debt is valid. How can it be valid if I NEVER lived there. I 'm very confused and need help getting this resolved.

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