milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2017 about Debt collection (Credit card) with STERLING JEWELERS, INC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Kay Jewelers has been calling me repeatedly regarding a past due payment. They are calling from multiple different numbers, never leaving a message and calling multiple times a day multiple times in an hour or two time period. This is harassment. I spoke with them Monday and they stated that if I scheduled a payment online to be taken out this coming Friday that the calls would stop, two days later they have called three times this morning ( XXXX., XXXX and XXXX ) from three different numbers ( XXXX, XXXX and XXXX. Monday they had called three times as well back to back at XXXX., XXXX., and XXXX. This is harassment, I scheduled the payment online and the calls have not stopped.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a twin sister, same date of birth, first name begins with the same letter, and social security # is different by only one digit. I have pulled my own credit report in the past and never had any problems. Now that I am trying to apply for a credit card, the company has pulled my credit report. It shows my social security # but it lists my sister 's name and all of her debts and her credit score. My credit is much better than hers and I would never qualify for a credit card with it showing her debts on my file. How can I go about correcting this and why would this happen in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Problems when you are unable to pay

Complaint: I submitted my claim as -borrower with XXXX XXXX he received a settlement I have not. I am XXXX XXXX I need to know why I did not receive a payment also?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with WELLS FARGO & COMPANY (IN).
Issue: Closing/Cancelling account

Complaint: On XX/XX/XXXX I sent a payment of {$1700.00} to Wells Fargo on a XXXX department credit card with a balance o {$1500.00}. I sent more to cover any additional financial charges to pay this account off. On XX/XX/XXXX Wells Fargo applied the payment to my card leaving {$130.00}, I called on XX/XX/XXXX to confirm when I would receive my credit back and was told at that time I would receive in 2-4 week. On XX/XX/XXXX I call to confirm payment was received, and that I had a credit of {$130.00}. I was told that I should receive the check by XX/XX/XXXX. I called a 3rd time and told them I had not received my check on XX/XX/XXXX. I received my billing statement around XX/XX/XXXX that showed they had applied the {$1700.00} and I had a credit of {$130.00} refunded on XX/XX/XXXX. Again I was told I should receive the refund by XX/XX/XXXX ( Different date than XX/XX/XXXX ). My 4th call on XX/XX/XXXX I told them I had not received my check, Wells Fargo responded it would be by XX/XX/XXXX, yet again different date. We are now one month from the time they applied my payment on XX/XX/XXXX. 5th call to Wells Fargo was made on XX/XX/XXXX, I told them I had not received my check, it went from the Representative, to the Supervisor, to an Executive Officer, to a Corporate Compliance Researcher. I was told they would have to cancel my check and I would have to wait another 30 days to receive my credit. The gave me a case number XXXX. On XXXX ( 40 days from applying my payment ) I called XXXX XXXX at XXXX XXXX XXXX XXXX Ext XXXX, three times and my calls went straight to her voice mail. She has not returned my call, Well Fargo has had 3 business days to research why and tell when I will receive my refund and I have not heard any thing back from them. I have attached my last billing statement to show when the credit was applied and when they said they refunded my money however they can not product any documentation showing a check has been chased or if they even mailed the check. I 've waited 40 days for this and was counting on that refund to help pay off another debit. I have gotten no where with Wells Fargo, I keep getting bounced from one rep to another or my call to XXXX XXXX are not being returned. In light of what Wells Fargo has done to other customers in the news, I want my money back so I can close out my account and leave this company. I need someone to help 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 non-monetary relief
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened a Citi XXXX XXXX XXXX XXXX XXXX credit card account in XXXX and at the time that I signed up for the account, Citi was offering a {$650.00} statement credit if you spent {$2000.00} within the first three months of opening the card and then later purchased a cell phone with plan from XXXX XXXX XXXX. I completed the required spending and then waited to purchase my phone until XX/XX/XXXX.  On XX/XX/XXXX I purchase an XXXX XXXX through the link provided in my Citi account for {$1200.00} ( see attached credit card statement showing the purchase ). I was told that the {$650.00} credit would post to my account within 2 billing cycles of purchasing the phone but I have yet to see the statement credit. I have contacted Citi and provided proof of the purchase of my XXXX XXXX XXXX phone but have not received the credit. Instead, Citi opened up a dispute of the phone purchase ( which I explained was not my intent ... ..I did NOT want to dispute the purchase from the merchant. Rather, I wanted the promised statement credit from Citi ). I have called Citi several times to resolve this issue without a satisfactory response.

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 05-08-2017 about Mortgage (Conventional home mortgage) with AMERISAVE MORTGAGE CORPORATION (VT).
Issue: Closing on a mortgage

Complaint: I refinanced a home mortgage with AmeriSave Mortgage Corporatio n ( lo an number  XXXX  ). {$2100.00} was charged as part of the closing cost to establish an escrow account. One payment was made which included an additional {$440.00} for the escrow. The mortgage was sold to  XXXX   XXXX   ( Loan n umber  XXXX  ) and the escrow balance that was transferred was {$890.00}. I have no record of where the missing {$1600.00} went and my efforts to track it down have resulted in being placed on permanent " hold. ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I went to XXXX XXXX in XXXX, NY. I have XXXX and had to have XXXX XXXX so now I am on XXXX. They have been taking money out of my XXXX payments as well as taking my tax returns to pay for my student loans. When I look on the website that lists how much is still owed though it says that my federal loans have been paid in full for a few years and I have not made any payment on the private loans since 2007. I have letters from the Department Of The Treasury that shows how much they have been sending to pay for the loans each month. These payments have been being sent for over XXXX years now but XXXX XXXX has not been recording any of them. I read that you were in the middle of a lawsuit with XXXX XXXX and was wondering if you would be able to help me with the problems I am having with them as well. I had contacted the Attorney General about this in the past and a letter was send saying that I owed a total of {$3900.00}. Though on the website that list the current loans there is XXXX that says is owe over {$15000.00}. Since the Attorney General was involved XXXX XXXX has taken more then that amount out of my XXXX or reporting that any of my loans are fully paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. 

They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services.
The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a Co-Signer on a car loan for a family member. The debt has beenpaid and it is still being reported on my credit file XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The company TSI/XXXX changed the open dates on XXXX debts XXXX of them where medical and paid through medical assistance to XXXX hospital the open dates where changed to XX/XX/XXXX which is impossible for me to have gone to XXXX since it was bought out in XX/XX/XXXX the other is issue is XXXX which was openedopened a little over 7 years ago but the date was changed to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (Home equity loan or line of credit) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (MI).
Issue: Application, originator, mortgage broker

Complaint: On a monthly basis First Tennessee/First Horizon currently ( as of XXXX XXXX ) continues to report late payments to my credit bureaus, for a Home Equity Line of Credit Mortgage loan that was charged off by First Horizon in XXXX. I have repeatedly disputed the accuracy of the amount of the balance that First Horizon has been reporting and requested them to provide closing documents that demonstrate the disbursement of funds to reconcile this balance. First Tennessee has responded by informing me that it is not their responsibility to provide these documents and they have stated that they did not distribute funds at the closing, that would have been done by the title company. The mortgage company that was directly involved was First Horizon Home Mortgage, which is a subsidiary or affiliate of First Tennessee. The title company directly involved in the closing was XXXX XXXX, which was brought into the transaction by First Horizon. I have attempted to track down the requested disbursement of funds documents by contacting XXXX XXXX ( this company is no longer in business ) and First Horizon in XXXX, MI ( this company is no longer in business ). The State of Michigan XXXX shows that First Horizon had not had a license since XXXX, but did show as an affiliate of First Tennessee in XXXX ( eliminating the requirement to be licensed through Michigan ). The closing with First Horizon that is being referenced occurred in XXXX of XXXX. As I have been in contact with First Tennessee attempting to reconcile the balance, they confirmed that First Tennessee closed all of the First Horizon offices in Michigan, but still refused to provide documentation related to the disbursement of funds during this closing. In conversations with First Tennessee, representatives have failed to even acknowledge the first mortgage that was a part of this transaction. This is important because the first and a portion of the second mortgage account for the dollar amount that was due to XXXX Bank ( holder of the loan at the time of the closing ), that are not being accounted for, in addition to other fund disbursements that First Tennessee is not accounting for. The route cause of this problem is the fact that First Horizon suggested that this transaction be completed by splitting the mortgage into a first ( mortgage ) and second ( home equity line of credit mortgage ) to avoid having a " Jumbo '' loan. I have since found out that the total of the loan in question would not have been above the amount that would have qualified as a " Jumbo '' loan had it not been split into a first and second.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a significant issue with XXXX XXXX in connection with my former account, which impacted another separate XXXX XXXX account ( which XXXX cancelled although there were no overdue or outstanding payments ). XXXX has clearly erred in providing my account information to an unauthorized third party, or permitting this third party to obtain information about me. This is both improper and illegal. This third party made several attempts to contact my brother, an XXXX Gold Card holder, about my account, and made dozens of illegal calls to me in an effort to collect payment. To end this dispute, on XXXX XXXX, 2015 I sent to XXXX a letter by certified mail with a check for {$1500.00} that was expressly conditional upon XXXX accepting this " full and final payment '' to settle the account. XXXX cashed the check and then claimed that they were not bound by the terms of the letter and the check ( the latter of which expressly referenced that this was for " full and final '' payment for this account ). XXXX 's failure to acknowledge that they have accepted my settlement offer, and failure to advise the credit reporting companies that this dispute has been settled, adversely affects my credit score and could prevent my wife and I from obtaining a home equity loan/second mortgage for our home ( for which we are now submitting an application ). Having accepted my offer to settle this dispute, XXXX must a ) acknowledge acceptance of the settlement and b ) advise all credit reporting companies immediately that this settlement has occurred and expunge from my credit records any assertion of non-payment or late payment in connection with this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent Midland Credit Management three letters to find out if they have proper legal authority to collect, proper transferee of ownership, Request first date of default as determined by XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NM).
Issue: Billing disputes

Complaint: I just received my credit report. There are XXXX derogatory entriesXXXX from Bank of America. I complained to them XXXX years ago and assumed they had removed them. 
I have NEVER had an account with BOA. I received XXXX unsolicited cards from them in 2011 which I assumed were sent by mistake. They were never activated and I still have them in their original wrappings. 
I 'd like XXXX charge-offs removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Consumer Loan (Vehicle loan) with VW Credit (KY).
Issue: Problems when you are unable to pay

Complaint: On my credit reports with XXXX, XXXX, and XXXX is a repossession from Volkswagen Credit , Inc. with a deficiency balance of {$2000.00}. 

I previously disputed this account information in XXXX 2015 with all XXXX credit reporting agencies and Volkswagen Credit , Inc. verified the accuracy of the account with all XXXX credit reporting agencies. 

I then sent letters directly to Volkswagen Credit , Inc. to attempt to resolve this matter. It should be noted that each credit bureau lists a different contact address for Volkswagen Credit , Inc. which obviously complicates the resolution process. Of the XXXX letters sent, XXXX was returned to me by the USPS as an invalid address ( which is a violation of the FCRA for a creditor to fail to provide proper contact information in a credit report ) and the other XXXX letters were ignored. These letters were sent Certified Mail, Return Receipt and I received confirmation of delivery for the ones delivered. 

A subsequent follow-up letter was also ignored. 

On XXXX XXXX, 2015 I sent Volkswagen Credit , Inc. another letter, to their Collections/Recovery/Credit Reporting department in XXXX, XXXX. In that letter, I reminded them of their obligations : Under the laws of the State of XXXX, the Uniform Commercial Code, and State RISA and MVISA statutes : A deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

I requested such documentation be provided within 14 days, as is my right. 

As no such documentation was received by me within the allowed time-frame, the alleged claim of a deficiency is considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed
Consumer complaint received 10/29/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: As per my Equifax confirmation number Confirmation # : XXXX, I had XXXX negative account. XXXX inquiries and no public records. Today I look at my report and there are XXXX negative items, XXXX inquiries and XXXX public record. This information was previously no present on my report. 
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the XXXX accounts listed were not included in my bankruptcy. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the bankruptcy from my file as well as the instant inquiries and negative items which are reported inaccurately. 
I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: The purpose of this hardship letter to explain XXXX XXXX and XXXX XXXX position of the hardship that occurred with a collision with the negligent driver. On XX/XX/XXXX XXXX XXXX was actively working as an XXXX XXXX XXXX XXXX and was the victim of a negligent driver performing an illegal traffic stop according to the local police report. As a result of the collision the car was deemed a total loss. XXXX spoke with a Wells Fargo representative on the issue of deferment after realizing there was no gap insurance to help cover the remaining balance. XXXX was advised not to defer and wait for the responsible party to cover the damages. On XX/XX/XXXX I spoke with agent XXXX # XXXX and requested a call back with a supervisor to negotiate the charge off and the impact on credit that did not happen within the time agreed. I called back and spoke with a supervisor with the option of a settlement plan. We agree with the settlement plan but the back dating of credit reporting we do not agree for the reason of the direction given by a Wells Fargo agent not to defer, we did not have possession of the vehicle, loss of supplemental income that was used during the application of the loan and financial hardship when XXXX could no longer work. I have included a letter of representation from the attorney. Thank you for your time.

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 03/23/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We are in foreclosure due to some extreme financial hardship and have been attempting to take advantage of a loan modification program offered by our mortgage servicer Ocwen Loan Servicing. Over the past two months we have attempted to submit the required paperwork multiple times. They have rejected various pieces of the paperwork several times and it is difficult to get a clear answer as to why the documents were not sufficient. The main issue now is that they have not postponed the sale date and we now have to get a lawyer and file for a postponement ourselves. If they had started the loan mod process they would have postponed the sale, but as I say they have repeatedly found fault with the documents we submitted and the mod process has n't officially begun. The company is very difficult to reach with representatives clearly not in the US, often making it difficult to comprehend what they are saying. All we need is to modify the loan in some way, whether that be a refinance or even shifting the past due amount to the end of the loan term, so we can begin making payments again. It is clear to me that these delays are an intentional tactic, as some cursory research has shown Ocwen to be a very difficult company with many thousands of consumer complaints against them. Both the lawyer and an advocate we contacted knew of Ocwen 's dismal reputation.

Company response to consumer: Closed with explanation