milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Balance transfer

Complaint: I wanted to transfer {$5000.00} from my husband 's credit card account to my own. Through XXXX XXXX, I applied for a BankAmericard 0 % card and requested a balance transfer. I was declined. I 'm pretty sure I received an Adverse Action notice in the mail. I applied for a different 0 % card and transferred {$5000.00} to my name. 

To my surprise, I subsequently received a BankAmericard in the mail. I cut up the card but decided to keep the account open to help my credit score. To my greater surprise, I then found that BoA had completed a {$5000.00} balance transfer. So instead of the $ XXXX that I intended to transfer to my name, I transferred {$5000.00} to XXXX, and then BoA - having declined my application - transferred another {$5000.00}, for a total of {$10000.00}. This was not my intent and may have a negative effect on my credit score. 

When BoA called me ( probably a welcome call ) I told them about the error and asked them to reverse the balance transfer. Over the course of 50 minutes 1. One representative failed to authenticate another rep who was transferring me between departments and did not know how to authenticate me without my card 2. I was given detailed instructions for reversing the error myself - had to point out that this was an XXXX error and the bank needs to correct 3. Was told to come into a bank branch - again, this was a funds transfer done in error after my application was declined, told the rep that the bank has to correct After 50 minutes and the balance transfer department disconnecting me I gave up.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX  student loans have been  discharged a nd I have a letter from the   XXXX   XXXX   XXXX   stating all loans have b een discharged.  The  XXXX  credit bureaus refuse to accept the letter.

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 02/19/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am in receipt of communications from a Law Firm Named XXXX, XXXX, XXXX, XXXX and XXXX XXXX. They are representing Midland Funding LLC. In XXXX 2015 I responded to a " notice to cure '' from the above named law firm. As I am unable to match the said amount owed, account number and charge-off date to any of my known account records, I sent a letter disputing the claim and requested validation of the debt including but not limited to a copy of a contract, payment history, interest rate, name and address of the original creditor. To date I have not been provided any of this information yet they have served me with an IA civil case. I believe that this is a false debt and that they have more than likely purchased incorrect information. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MN).
Issue: Settlement process and costs

Complaint: My name is XXXX XXXX. I had HELOC OVER 10 years ago which I paid and closed over 9 years ago. Wells Fargo failed to remove their name from the title and they are holding my closing. The buyer might walk away because of the hurdles by wells fargo. please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I once again file a complaint of numerous complaints Last complaint you may reference it XXXX, XXXX you state you will remove the negative account from my credit report but it is currently still showing a negative trade line in my equifax file please receive it immediately as it does not belong on my credit file as we had resolved on my prior report. I have also gone ahead and filed a identity theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: I have debts on my credit report from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and  XXXX  that are all listed as charged off/past due. However, all debts listed on my credit report have been satisfied with each creditor. I have contacted all parties and in some instances it 's has been more than 60 days without them correcting the information on my credit 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 non-monetary relief
Consumer complaint received 01/27/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (DC).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX, I opened a Citibank account to take advantage of a checking account bonus offer. I funded the account with XXXX dollars on XX/XX/XXXX, and I maintained this balance for 30 days per the terms and conditions of the promotional bonus. 

XX/XX/XXXX, I contacted Citibank because I had yet to receive my bonus. An investigation was initiated and by XX/XX/XXXX I was told that I had completed all the requirements and I need only wait until XX/XX/XXXX ( 90 days after the initial 30 days ) at the latest to receive the XXXX dollar bonus. I did not receive my bonus, and I contacted Citibank again, who initiated another investigation. 

A few weeks later, I was told again that I had completed the requirements for the bonus, but now I was told that I had not submitted the necessary tax documents, XXXX, and I should contact the branch where I opened the account. I had submitted the tax documents XX/XX/XXXX, but I contacted the branch to correct the tax information and submitted the documents. This was done on XX/XX/XXXX. 

After another week of waiting, I was told by the branch manager through email that I would need to wait an additional 90 days to receive my bonus. I immediately responded to inform her that the terms and conditions and tax letter I received made no mention of any requirement to wait an additional 90 days. The branch manager has yet to respond even after I have contacted her three additional times. 

The branch manager and bankers at the branch refuse to speak to me. This is unacceptable. Citibank has violated its terms and conditions regarding this bonus, and I expect full credit of the XXXX dollars immediately.

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 06/22/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Advertising and marketing

Complaint: While visiting the Wells Fargo Bank, a banker offered me a credit card, according to what he read from the bank site, I was eligible for a card with an APR of 8 %, with 0 % rate for 15 months, I agreed on the condition that my rate would be 8 %. When I received the card, it had a rate of 21.4 % after the promotional period. I contacted customer service by phone, when I told the representative about it, she urged me to go into Wells and see the banker, have him call in and it would be honored ; however, I went in, the banker called in, but Wells was not willing to honor the rate. I feel that it was discrimination, as XXXX are often given higher rates, despite their credit scores.

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 02-08-2018 about Checking or savings account (Other banking product or service) with Deutsche Bank (CA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Account : XXXX Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tenant SS Wife : XXXX SS Husband : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, MS XXXX Ref : Probate Code - Section 5604 ( c ) ( 2 ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX California Unclaimed Property Division XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX ( I requested name changed back to maiden name at divorce - XXXX ) TO WHOM IT MAY CONCERN : Five years ago, California Division of Unclaimed Property via XXXX XXXX XXXX ( heir finders ) notified me of unclaimed property of my now deceased ex-husband and myself from the mid XXXX due in inactive status. I was requested to submitted death certificate from courthouse along with divorce papers along with XXXX XXXX signatures on each copy of correspondence which I did immediately. 

It appears that although we divorced and divided several funds in XXXX, my husband left them in both our names when he died over ten years later. 

Despite other mutual funds/insurance company sent me the funds which were minimal amounts ( under 6,000.00 ), Deutsche Bank refuses to take my husband 's name off the account and allow me to access the funds ( XXXX as of last week ). 

I presented necessary documents ( court-stamped death certificate, divorce papers with request for maiden name ( XXXX ) of wife and division of property ). 

Due to this account, I am audited yearly, have paid small taxes on the small dividends for 25 years up including XXXX which showed gains. 

Can you please help me? I need this money as I am behind on my mortgage XXXX, and this would be the answer to my dilemma. 

Up until last week, Deutsche Bank reinstated their stand that they recognize the judge 's orders that this fund is my husband 's property. 

I contacted executor last XX/XX/XXXX to remove my name while attempting to file for SSDI, which he failed to do. I called him ( deceased ex-husband 's son, XXXX XXXX ) two days ago on two occasions, and he has failed to return my calls. 

At this moment, I have spoke with bankruptcy attorny and since my debt is so low, he suggested I do whatever is necessary to capture this small amount so I will not lose my home of 20 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/2017, I discovered that a check I had written for {$160.00} to XXXX XXXX XXXX, a medical facility, had been cashed for {$2600.00}. I went to my Citibank branch that day, and I was told that it appeared the check had been stolen from the mail and " washed, '' then altered to change the amount and the payee. The bank branch said this was a common problem in our neighborhood, but that my funds would be restored. I completed as affidavit for Citibank that day, and included a copy of the canceled check which Citibank provided me, which shows the altered check was changed to payee XXXX XXXX, a name I have never heard of, and which is clearly written in a handwriting that does not match my signature. I also provided information showing that I had to pay the correct payee, XXXX XXXX   and that they had not received the original check.

I have asked Citibank several time if the funds can be restored to my account while the bank pursues the fraud, but they say that is not possible until the fraudulent payee returns the money. I believe Citibank is responsible for going after the funds and should credit my account in the meantime.

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 02-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off my XXXX communications bill on XXXX XXXX, XXXX, and I received a collection notice on XXXX XXXX, XXXX. I contacted the bill collector, who indicated that they had no record of payment, and then I contacted XXXX, who had no record of payment. I researched my XXXX XXXX XXXX bank statements and found a record of an electronic payment for the exact amount due. These harassment tactics are oppressive.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Diversified Collection Agency states that I have an alleged debt with them for a XXXX XXXX Account int he amount of {$1000.00}. I have disputed this alleged debt several times since XX/2016,X/2016,X/2016,X/2016. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. During this validation process, please cease and desist any attempts to collect this alleged debt and remove and or delete any negative marks from all three major credit bureaus ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was given financial aid to attend an unaccredited college that has been sued and closed down throughout the country. My degree is useless and I was not able to use it for the purpose I went to school to receive this degree. It was not accepted by the law school I applied at due to the lack of accreditation even though I was guaranteed by the school it would be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I understand the XXXX leading credit reporting companies are not to hold information after 7 years closed accounts or in 7 years of age since first reported to them. All mine are of the above, 7 years and more in terms of time lapsed since these were reported, and they are still listed against me, making renewed credit standing impossible to acheive, or a decent score.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Vehicle loan or lease (Loan) with CONSUMER PORTFOLIO SERVICES, INC. (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: On XX/XX/XXXX Consumer Portfolio received a payment of {$1800.00} that I requested be placed towards the principal payment. My following payment was not due until XX/XX/XXXX. The payment was applied on XX/XX/XXXX and {$1600.00} went towards the principal, {$8.00} towards the payment and {$180.00} towards fees which is not what I had requested when I sent in an early payment. I was not behind on my payment because it was not due until XX/XX/XXXX but they informed me that I had to pay this interest. They also stated I owed {$180.00} in late fees but I had previously paid my late fees. by XX/XX/XXXX I had given them {$5400.00} but only {$5300.00} was applied towards principle and interest. The rest was applied towards the late payments I had accumulated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I have a a home depot card and received my bill and was shocked to see that there was a XXXX finance charge. Most cards I have with a promotional purchase there is advance warning that you must pay by a certain time to give the consumer a fair amount of time. Often it is highlighted in red so you can not miss it. Home depot does n't do any of these things. I feel as though they do not highlight the information because they want take advantage of their customers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Bank account or service (Other bank product/service) with NAVY FEDERAL CREDIT UNION (AL).
Issue: Account opening, closing, or management

Complaint: Two years ago I was going through very rough times following my XXXX. I informed Navy federal during a conference with a financial councillor that I was pending a VA XXXX claim. Magically without my signature or verbal go ahead they removed my XXXX insurance from my Credit Card. 

Secondly they have repeatedly called my father whenever my account is past due even though my father informed them to remove him off his list and stop calling him. Somehow they are still continuing to call him. 

I have many complaints regarding this credit union but have decided only to submit these XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied multiple times for mortgage assistance with Bank of America specifically after my home was broken into around XXXX time which the person or persons caused a considerable amount of damage, at the same time my young son was diagnosed with illness, and to add, I was a victim of identity theft where my bank account was emptied. Bank of America continues to deny me for assistance, in a letter dated XXXX XXXX, 2016 Bank of America which provided me with a new Relationship Manager XXXX XXXX who I have never spoken to despite numerous calls. The letter request that I continue to provide all the documents previous requested by XXXX XXXX, 2016. In a letter dated XXXX XXXX, 2016 I received a Notification of Assignment, Sale or Transfer of your mortgage '' The notice went on to say that Bank of America has sold my loan to XXXX XXXX but as legal title trustee for XXXX XXXX effective date of transfer was XXXX/XXXX/2016, while I was in the middle of my loan modification application. The Notice stated that my loan servicing was transferred to XXXX XXXX XXXX in XXXX TX which is known as foreclosure mill and is not structured to provide loan modifications or assistance. Upon contacting XXXX XXXX in response to their letter dated XXXX/XXXX/2016 " Welcome '' I requested to know what documents were sent from Bank of America and XXXX response was None! I am force to sell my home with the writing on the wall, premature transfer of my loan prior to a response to my request for mortgage assistance, a Point of Contact that makes no contact.

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 03/23/2016 about Money transfers (Domestic (US) money transfer) with Blackhawk Network Holdings Inc. (FL).
Issue: Fraud or scam

Complaint: A vehicle was advertised on XXXX, supposedly by a XXXX XXXX XXXX, XXXX. The purchase was to be made following receipt of an " XXXX '' invoice and deposit of cash into a REloadit Safe account. The vehicle would then be shipped by the " XXXX XXXX '' at XXXX XXXX MD. There was supposedly a seven day trial period upon arrival of the vehicle. Communications between the potential buyer and the impostor were by internet text and email. Research indicated a cyber crime scan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I do not earn enough to pay the payment set by Nelnet and still be able to pay other bills let alone eat. I have tried since XXXX 2015 to get the payment lowered but Nelnet continues to reject my applications. The latest : They sent me a partially completed application, I completed it, sent it with my 2015 tax return and they sent me a blank application ( the same XXXX they had sent partially completed ) with the statement that they could not read the documents I sent. I have completed the application online twice and sent a completed one via email once. Calling their service reps results in nothing being done except me losing hours of time and having to hang up more than once to get to work. My mother has tried and all she gets are requests for her to call them. They have the paperwork and the proof of income. They just refuse without cause to lower the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed the reporting of accuracy for account XXXX over 5 times with Experian. I have recorded phone conversations with the assigned rep over the phone telling me that he would remove the past due notation from my report after he verified that he received the fax that I sent to Experian on two separate occasions. The XXXX account was charged off back around XX/XX/XXXX or XX/XX/2014. There are several different areas of concerns with Experian : When you challenge them they place your file into segregation and assign your account to their consumer affairs rep. Which this rep will investigate one time and basically use previous investigations to determine that the validity of the account doesnt need to be re-investigated. This account has several violations that violates the FCRA and the FDCPA.

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