milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello, I was advised today that Experican continues to report innacurate information on my reports that has already been disputed as follows : 1. Account Recovery Service, Balance {$780.00}. This is not my debt and the company has failed to provide proof of debt. This has been disputed in the past. This must be removed. 
2. Online Collections, Balance {$58.00}. This was never a debt. Just received a refund check from the original creditor ( SRP ) and an apology for the error ( see attached ). This must be removed. 
3. XXXX XXXX, Balance {$290.00}. This account has been disputed several times and removed in the past. XXXX XXXX has failed to respond to the CFPB as well. This must be removed. 
4. XXXX Bank. Balance {$12000.00}. This account was late in the past but the balance and status are not correct. The account is current in payment with a lower balance. This must be updated. 

Thank you for correcting these errors.

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 04-10-2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: I made maybe XXXX Credit Card transactions Total and Wells Fargo Cancel My Credit Card and send me a New One two my Moms Minnesota Address the Problem is I 'm a refugee living in XXXX and have no way two receive the credit card. 
This is the 3rd Time in the Last year Wells Fargo Sent me a new Credit Card. 
Theres XXXX Refugees in the World and the Banks want two Just send them new Credit Cards when they do n't live in the Same Country Subject : Your card has shipped From : Debit and Prepaid Cards XXXX/XXXX/2017 XXXX Contact Us Your new card is on the way We have shipped your new Wells Fargo Debit Card ending in XXXX. 

We sent you a replacement card as a precautionary measure because your current Debit Card may be at risk for unauthorized transactions. 

Your new card will arrive within 5-7 calendar days at : Shipping Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX Your card will arrive in a white envelope with the Wells Fargo logo in the upper left hand corner and a XXXX, SD return address. 

Front Image of Envelope Wells Fargo Debit Card Envelope What you should do Keep using your old card until your new card arrives. If you have n't received your new card already, it should arrive in the next few days. Your old card will close on XXXX/XXXX/2017. 
Activate your new card right away by calling the phone number on the sticker attached to the card or by using it at any Wells Fargo ATM. 
Destroy your old card. 
Monitor your account for any purchases you do n't recognize. Contact us if you do not recognize a transaction made to your account. 
What you should know We will continue to monitor your account 24/7 and will notify you if we detect any unusual activity. 
Your replacement card will have a new card number, expiration date, and new XXXX security code on the back of the card. 
Alerts can help you monitor your account activity. You can go to Alerts to manage your subscriptions. 
If you have another card at risk, we will notify you separately. 
Wells Fargo cards come with Zero Liability protection* at no extra cost. You will not be liable for unauthorized card transactions when you report them promptly. 


We understand the inconvenience this may have caused. If you have questions or do n't receive your card within 7 days, please call XXXX ( XXXX ) or contact us by secure email. Phone Bankers are available 24 hours a day, 7 days a week. You can also visit our Fraud Information Center at wellsfargo.com/fraud for resources to help you reduce your risk of fraud and identity theft. 

Sincerely, Debit and Prepaid Cards * Please refer to your applicable Wells Fargo account agreement and card terms and conditions for information on liability for unauthorized transactions. 
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 10/17/2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (VA).
Issue: Account opening, closing, or management

Complaint: Sam 's Club Credit does not provide a reasonable electronic statement that reflects all of the information provided on a paper statement. When enrolled in electronic statements this is information that is no longer available unless it is requested from customer service ; a paper statement is then generated and mailed to the address on file. Most banking and credit institutions provide a way to view electronic representations of the exact statement that would be mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Medical debt) with Walwick, Inc (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I called the company on the debt. I gave them my new address and phone number and I asked them to send me the information on the debt. That was  two  months ago and still i have not received any information.

Company response to consumer: Untimely response
Consumer complaint received 10/13/2017 about Debt collection (I do not know) with Coastal Financial Solutions, LLC (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: Repetitive phone calls to friends and family more than twice for each member, telling them that someone wants to file a complaint against me, inferring a criminal charge which is false. I am on XXXX and they can not collect from me and they have been told that. But they still call from all these numbers weekly harassing me and my family. Part of the messages are spoken by a human and the other parts are computer generated. 

XXXX CFS, Central Financial Services XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Also ID themselves as XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX? ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS. XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CFS Legal Department XXXXXXXX  CFS XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS, Coastal XXXX CFS, XXXX XXXX XXXX , XXXX XXXX XXXX CFS, CFS/Coastal XXXX CFS, XXXX, XXXX XXXX CFS XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX XXXX CFS XXXX CFS/XXXX  XXXX CFS Collecions XXXX CFS/Coastal XXXX CFS XXXX CFS  XXXX CFS XXXX CFS XXXX CFS, Coastal XXXX CFS XXXX CFS ( Using State Compliance Officer Scam Routine ) XXXX CFS, XXXX XXXX , XXXX & XXXX XXXX XXXX Coastal, XXXX XXXX , CFS, XXXX XXXX XXXX , Coastal Financial XXXX Coastal , XXXX XXXX XXXX , XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX Coastal XXXX Hopeful, CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX XXXX CFS XXXX CFS XXXX CFS XXXX XXXX, XXXX XXXX CFS XXXX CFS XXXX XXXX, XXXX, CFS XXXX company calling for XXXX XXXX XXXX CFS XXXX The XXXX XXXX XXXX, CFS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 02/16/2017 about Consumer Loan (Vehicle loan) with VW Credit (FL).
Issue: Managing the loan or lease

Complaint: Volkswagen scammed me with a diesel Wagon. I 'm sure you know the story. But then ... they purposely weighted the 'amount owed ' to them ( *because our LOAN was through VW Credit ) so that they would get a higher payoff than was due to them to offset their losses from the settlement payout. After they defrauded me, they then continued their scammy/spammy behavior with 'creative accounting. ' Because this happened when my loan was only about a year old, they counted very little of the approx {$8000.00} I 'd made in payments to PRINCIPAL ( *applied less than {$2000.00} ). So, in the end, although they 're paying a 'settlement ' it 's not like they 're actually taking any 'losses. '

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (DE).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I paid off the balance and they continued to charge me an interest rate after the balance way paid in full. when I called them they said I paid it off late and I told them to close the account. their automated system is still calling me after I had them close the account.

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 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: I have had a business visa through Capital One for many years, NEVER been late on a payment and always pay more than the balance due. When I got this credit card the credit limit was approved without any problems or issues, so I do n't understand why all of a sudden the credit limit was decreased. Today XXXX I received a letter via email from Capital One informing me my credit amount was lowered ( see below for copy of letter ). I called Capital One immediately and they could n't provide a good reason why this happen and that there was nothing they could do about it, it was a decision on their part. As a business owner I use this card a lot and yes I always keep a balance on my credit card, per my personal Accountants request. No one from Capital One has ever called me to discuss this matter, I was blindsided by only an email with a standard brief message. As a consumer I feel this is terrible customer service on their part especially when my account with them is in outstanding status. There is a reason I asked for the credit limit I did when I opened my Visa card, I even told them at the time I would be using this card regularly, Capital One approved this credit limit years ago without any problems, they even told me with Business accounts they know balances are higher than most credit cards, as long as I pay the min. payment by the due date ( which I pay more every month on time ) everything would be okay and now they decide to lower the limit without just cause or any warning. Nothing has changed on our part, if anything my income and credit score is better than when I applied for this card. LETTER FROM CAPITAL ONE Our goal is to always keep you informed about changes to your account and how they impact your business. Today, we want to make sure you know about a recent change to your account. <P/>On XXXX/XXXX/XXXX, your credit limit was changed from. The reason ( s ) for this change : Recent monthly payments have been too low compared to balance on this Capital One account Proportion of revolving balances to credit limit have been too high on this Capital One account recently Use of all of your available revolving credit has been too high on your XXXX  credit report Recent payments have been too low for your credit limit on this Capital One account No other changes are planned at this time, and all other terms still apply. An official notice of this change, with additional information, will also be provided to you via mail and through the secure inbox with your online account. <P/>We value you as a customer, and we hope this change doesnt cause any inconvenience for you. If you have any questions, please give us a call at

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Bank account or service (Checking account) with U.S. BANCORP (OR).
Issue: Account opening, closing, or management

Complaint: I have been a member of US Bank for the past five years and I have a strong relationship with the branch located @ XXXX grocery store # XXXX, the employees arealways so friendly and caring about me. However every time I call their phone bank department @ XXXX I feel discriminated against for being transgender. My voice sounds like a female but my name is typically used for boys ; therefore they always deny service and ask me to go the branch and present photo ID. I understand that it 's for security however when I go to the branch and present photo ID i expect them to notate their system of record and take a photo copy my ID so that going forward I can be serviced in their phone bank department like any other customer. Instead there always incredibly rude and ask me to go to the branch and show photo ID. It 's ridiculous I should be able to use all the banking tools available to every US Bank customer. Due to my job schedule, sometime I find it very hard to go to the branch and I want to use the phone bank dept. but I feel discriminated against every time I call. I have told them several times my situation and they continue to be discriminatory against me. Also there is no communication between departments. Sometimes I get lucky enough and I 'm able to speak to a rep. with no issues but as soon as they transfer me, it starts all over.. I have to answer several verification questions and then at the end they tell me to go to the branch.. I just feel so hurt sometimes, because they were my first bank ever and I just feel very discriminated against and not wanted ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: Wells Fargo added " late charges '' to our consumer credit account for several months after the account was paid on time and one month ahead of schedule. This negatively affected our credit rating until we were forced to negotiate a settlement with them. Although they reported the account paid in full, they did not keep their agreement to remove the negative credit 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 explanation
Consumer complaint received 01-03-2017 about Money transfers (Domestic (US) money transfer) with FIRST MIDWEST BANK (IN).
Issue: Fraud or scam

Complaint: On XXXX XXXX, XXXX, I wired {$8600.00} to a XXXX XXXX XXXX account. It was posted XXXX XXXX, XXXX but the receiver advised me that XXXX XXXX wanted me to request the money be returned to my account. I submitted a letter to my bank and they wired it the same way the money was wired. I have been in contact with my bank and XXXX XXXX since then trying to get my money returned. During this time, I have learned that the recipient has a history of wire scams that I was unaware of. The last correspondence was on XXXX/XXXX/XXXX with XXXX XXXX. Their representative told me that no one had access to the money and XXXX XXXX was still looking into the situation. As of XXXX/XXXX/XXXX, I have not heard from 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 06/24/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (DC).
Issue: Loan modification,collection,foreclosure

Complaint: I originally sought a modification of my mortgage due to a drastic reduction of income XX/XX/XXXX. I fell behind in my mortgage XX/XX/XXXX and immediately began the modification process. The process has been comlicated by repeated errors of IndyMac and repeated requests for documentation which has previously been submitted. Moreover, once the Federal Government required the assignment of a single point of contact. IndyMacXXXX/ repeatedly changed the contact person. I have submitted in excess of fifteen modification applications with all supporting documentation.  Each time the servicer of the loan makes a generic determination that a document is stale or incomplete without providing specific information on the alleged error or missing information.  Later I found that your agency, CFPB closed my complaint despite repeated requests that it remain open when the servicer provided another boilerplate and non-responsive reply.

Company response to consumer: Closed
Consumer complaint received 06-03-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX miles after scheduling two bill payments and accumulating {$1000.00} in debit purchases. 
The cash value of XXXX XXXX XXXX miles is approximately {$500.00}. 
In XXXX XXXX, I contacted Citi and received confirmation that I had fulfilled all terms of the offer. 
On XXXX XXXX, XXXX I contacted Citi again regarding the bonus offer, and was told that I completed the terms in XXXX, and that the miles would be credited no later than XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX the points had not yet posted so I called Citi and was told that the points were " on their way '' and to expect to see them within 3-4 weeks. 
On XXXX XXXX, XXXX I called Citi again, who opened an " investigation '' into the missing points, and told me I would hear back within 1-3 business days. 
On XXXX XXXX, XXXX, after not hearing anything from Citi, I called in again, and was told that their back office was very busy, and to expect a response within 5-7 business days of the investigation opening ( XXXX ). 
On XXXX XXXX, XXXX, after still not hearing anything from Citi, I called them again, and was told that the investigation is still open, and that the customer service representative would request another. 

In summary, it has been five months since I met the terms of the bonus offer, and Citi has still failed to live up to their side of the deal. The chat log between myself and Citi where they confirm that the requirements have been met is attached. 

Citi Online Chat Log, XXXX/XXXX/XXXX You are now chatting with XXXX. 
XXXX : at XXXX Hi, XXXX : at XXXX Welcome to Citibank Online Chat. My name is XXXX. How may I help you? 
XXXX : at XXXX Hello XXXX. 
XXXX : at XXXX How are you? 
XXXX : at XXXX I 'm well, thanks XXXX : at XXXX I signed up with a promotional offer for my CitiGold account, and completed the requirements some time ago, and I 'm wondering when the bonus American miles will post XXXX : at XXXX Great question! 
XXXX : at XXXX I will be more than happy to assist you. 
XXXX : at XXXX Please allow me 2-3 minutes to review your account. 
XXXX : at XXXX Thank you for holding. 
XXXX : at XXXX I do see you completed the terms in XXXX. Therefore, your miles will be credited within 90 days of the statement cycle in which you fulfilled the terms. 
XXXX : at XXXX That will be no later than XXXX XXXX. 
XXXX : at XXXX Thank you, have a nice day

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 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a Ch  XXXX  bankruptcy discharge on  XXXX / XXXX /  XXXX  .  XXXX   XXXX  credit card was included in the discharge. They continue to misrepresent my old account on my credit report. Initially it stated closed and charged off. Now it says it 's open with 107 % credit usage. It impacts my  credit score monthly. I 've contacted them and spoken to a representative twice over the past two months. They continue to tell me that the account shows as closed and noted my ba nkruptcy discharge. Monthly, my reports ( all  XXXX  bureau s ) states di fferently. I 've also disputed through the credit bureaus and  XXXX   XXXX  sends them false bank account 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 explanation
Consumer complaint received 03-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This item is OVER 7 YEARS, IT WAS REMOVED AND NOW BACK ON. How can your agency do this? This remark is violating my rights 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 01/24/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax , XXXX and XXXX continue to list and update XXXX XXXX XXXX on my credit file. I have contacted this company several times over several months time frame. This company has failed to respond to any of my disputes. Instead, they have failed to provide me with a debt verification, they have failed to provide me with a right to dispute notice. They have failed to list accurate information on my credit report. I contacted them certified mail in XXXX 2015 at the address listed on my credit file and my certified mail was returned back to me as an unknown address from the post office. Yet, all of the credit bureaus keep updating the account information for this company that I have never done business with. By law, XXXX XXXX XXXX can no longer remain on my credit and I want your agency to make sure that this account is not resold to another agency since this company is too busy to list their correct mailing address on my credit when they update their account, as well as too busy to respond to my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED AUTO ACCEPTANCE (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I WRITING IN REGARDS TO ONGOING PROBLEM THAT AFFECTING MY CREDIT SCORE. THE PROBLEM IS XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA IS REPORTING INCCURATE INFORMATION ABOUT MY CREDIT. IT SHOWING A VEHICLE I USED TO OWN THAT I HAVE RETURN THE BACK IN 2014. AND THEY HAVE BEEN SOLD AT AUCTION. THEY ARE REPORT IF I STLL HAVE THIS VEHICLE IN MY POSSESSION AND MISSING MY PAYMENTS. I DON'T HAVE THIS VEHICLE AND HAVE NOT HAD THIS VEHICLE SINCE BACK IN 2014 WHEN I RETURNED IT TO THEM. NEED HELP TO REMOVE THIS FROM MY CREDIT OR REPORT IT CORRECTLY. BECAUSE IT IS MAKING IT HAD FOR ME TO GET REMOVE HAVE TRIED DISPUTED IT BUT STILL END UP BACK ON MY CREDIT REPORTING INCCURATE INFORMATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation