milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2016 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other transaction issues

Complaint: I have my mother 's financial power of attorney. I 'm also an authorized signatory on her accounts at Bank of America. I handle the payment of all of my mother 's bills. 

Using BofA online, I requested a transfer from my mother 's BofA checking account to her XXXX XXXX XXXX XXXX account so I could make a payment on her HELOC. Unbeknownst to me, instead of doing an electronic transfer, BofA deducted the funds from my mother 's account, then physically wrote and mailed a check to XXXX XXXX. When XXXX XXXX tried to collect on the check, BofA refused to pay it. XXXX XXXX charged my mother {$26.00} for bouncing a check. 

BofA claims it was a misunderstanding, that when I complained about them writing a check instead of doing the electronic transfer, they assumed I wanted the check stopped. Even though I specifically told them I needed the account details written on the check so I could contact XXXX to ensure the check was deposited in the correct account ( at XXXX XXXX, my mother has the HELOC and a savings account ). 

I received a call today from BofA 's " Enterprise Customer Care Resolution Department '' f/k/a " Office of the President and CEO. '' ( At least, that 's the information that was left on my voice mail. ) Clearly, BofA broke the law, otherwise this would not have escalated so quickly. I need to know what my mother 's legal rights and remedies are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Struggling to pay mortgage

Complaint: Ridiculous from Servicer and XXXX XXXX to keep paying services like Bayview for homeowner 's to keep loosing their properties and they are not doing their job. 

My Name is XXXX XXXX XXXX and I have submitted this modification on behalf of XXXX XXXX in the week of XX/XX/XXXX, I received a called from XXXX XXXX, to see if XXXX the Account Executive on this case has done anything with the documentation I had sent, he informed me that the documentation was just sitting there and that XXXX was not doing anything with it. You may reach XXXX at XXXX. 

He also suggested I should speak with XXXX supervisor. 
The letter that XXXX XXXX got today is a total violation of RESPA. 
since it does not implement any of the documentation that was need it to sent in. Either me or XXXX XXXX had received any documentation requesting additional information. Its Fraud and a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing disputes

Complaint: On XXXX/XXXX/2014, i ordered the instaltion services at Lowe 's XXXX XXXX, located at XXXX XXXX, XXXX Tx XXXX. This is there phone number XXXX. I used the Lowe 's XXXX credit card. I trying to set up the automatic payment with them at The lowes center and i tried too call them many times.I let them know that i went out of the country and i trying to set up automatic payment. Because i cant go online and pay every time. The customer service agent from lowes was not helping me at all. I can ' t set up automatic payment with them on the phone and instore. I MISSED THE PAYMENT because of that. I am really frustrated because of that. they sent me to collection without trying to help me set up the payment. it is not my fault. i tried to call them, went online, instore. Nothing solve.

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 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
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 am writing to file a formal complaint against XXXX XXXX, regarding my request to provide the Method of Verification ( MOV ) on ( 3 ) accounts listed on my credit report. After numerous attempts to amicably resolve this matter, XXXX XXXX has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. 

Enclosed you will find a recap on my communication with TransUnion, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.

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 01/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Scott Lowery Law Office, P.C. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Scott Lowery Law office contacted me about a alleged debt that supposedly I owe, I immediately responded back by mail to dispute the debt and to obtain verification and proof that I owe this debt. The paperwork that they sent back to me was arranged in a matter to represent a court filing and had my local courthouse name and address on it but no case number. 

The documentation provided was obviously forged because the contract they sent had multiple signature dates, no signatures and other fabricated. documents and documents with no reference to the original account number and no direct link to me as the creator of the debt. I sent a certified follow up letter disputing the information that they provided and have not received a response back yet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/XXXXXXXX I disputed a XXXX account when I noticed it on my credit report. Mid XXXXXXXX Early XX/XX/XXXXXXXX I received a phone call from a debt collector stating that I owe {$1100.00} to XXXX. I told the debt collector that I 'm disputing this debt and submitted in writing for them send me information for this debt to which I never received. XX/XX/XXXXXXXX I pulled my credit report and saw this debt was still being reported to both Experian and XXXX . Again, I submitted a dispute to both credit bureaus requesting more information about this debt and I still have n't received. XX/XX/XXXXXXXX I checked my credit report again and not only is this item still on the same two credit reports but XXXX re-aged this account to make it appear more recent. As a result, this account is showing on my credit report as 1 month past due, a charge off and my credit score dropped at total of XXXX points on Experian and XXXX. I 'm not sure how this can be especially considering that this account has been in dispute since XXXX. Negative re-aging completely illegal and is in violation of the Fair Credit Reporting Act.

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 01-12-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This student loan was taken out in my name fraudulently I did not attend school the year the loan was disbursed. I was living in another state.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RJM ACQUISITION LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: RJM seeks to recover from an illegally or unknown DEBT against me as I deny any obligation, was NEVER LAWFULLY served with legal process on any account relating to XXXX XXXX BANK XXXX. 

I deny any debt, claim, or judgment by XXXX XXXX XXXX or RJM, and if any judgment taken illegally against me, collection is likewise illegal. 

THIS OBLIGATION IS BARRED BY THE CALIFORNIA STATUTE OF LIMITATIONS.

Company response to consumer: Untimely response
Consumer complaint received 05-05-2015 about Debt collection (Medical) with Frost-Arnett Company (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XXXX 2015, I paid {$340.00} to remove an item I discovered on my credit report. It was my belief, at the time, that paying it was the only way I was able to get the tradeline removed from my credit report. The collection company told me the account belonged to me and I believed them. My sole reason for paying the debt was to remove the trade line. The company did not make me aware or offer an opportunity to request verification of the account they claimed I owed prior to paying it. Even though, I questioned the validity, I did n't know I could request verification of the debt - nor did they offer. I paid the amount the company stated I owed to remove the trade line, but the company did not remove the trade line as I had requested they do once they received my payment. Representatives of the company were very rude once they got my credit card number. After getting nowhere and becoming frustrated, I asked to be transferred to a manager. The manager was also rude and told me they would not remove the trade line and ultimately hung the phone up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Money transfers (International money transfer) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Money was not available when promised

Complaint: I had an emergency situation to transfer money to someone in XXXX XXXX. I choose the wire transfer methods as this is the fastest method to transfer money. I worked with XXXX ( Branch Manager ) in Citizens Bank XXXX XXXX branch inside XXXX XXXX. After understanding all the information for the recipient bank and intermediary bank XXXX processed the wire on XX/XX/2017 and he informed me that the money will be in recipient account on XX/XX/2017. I did express the urgency of this and he assure everything will be ok. 

Until today XX/XX/XXXX the recipient has not received the money. When I called XXXX he said he has put a tress on the transfer. I called him every day and he could not get any response on where is the money until today. He gave me the number for wire transfer department. I called them every day and they have no idea where this money went. I transfer XXXX dollars and they ca n't find this money. They could not provide any estimated date when they will have any information available for me. There answer is they do not have any updates and it may take several days to investigate. 

I have told XXXX and XXXX XXXX ( wire transfer manager ) that it is costing me {$500.00} per day in penalties/inconvenience fees for each day the money get delayed. 

Unfortunately this bank took nothing seriously and keep telling me that they ca n't do anything at this point.When intermediary bank response they will contact me. 

The Citizens bank should be responsible for my money and for their process and for agreement with their intermediary bank. I ca n't be responsible for their miscommunication and ignorance. I do not deal with their intermediary bank. How can I be responsible for communication between them. when I asked them if I can talk to some serious level person at Citizen bank they said they will escalate but I have not received any other information or solution for the problem. 

Please help me to find my money and help me to pay this additional charges that incur because of Citizen Bank process and inefficient dealing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: It has been over a year since I sent the first complaint to CFPB regarding Navient and still nothing has been done ... During this year I have been doing all the research that I could to find out what my options are for repaying because Navient refuses to disclose those options. I have verified those options with the Navient representative and was told that they exist. We have discussed them at length and concluded that reaching a settlement was the option left. Since my funds were limited I have asked friends and family to help me come up with a sum that Navient could agree with. After many months of going back and forth and several representatives later, I was able to reach a settlement amount. This settlement and the terms were verified by XXXX, the rep with employee # XXXX at Navient. She told me that it was all approved and I can send it the money. I requested that I receive a letter with that approval as well as listing the amount and terms on that letter. She refused to send one and that 's when I filed a complaint with CFPB. I did n't get any calls from Navient to address this complaint but instead I got a letter with a totally different amount and terms. When I called back she denied that she agreed to anything and that I need to make up my mind and pay and hung up. I called back several times and after many calls she finally admitted that there was an amount agreed but that it was out of her power in what happened. After few more calls and pushing to get information I was told that her manager XXXX XXXX and the director of Portfolio Management department named XXXX XXXX, decided to not fulfill the agreed upon amount and terms for settlement and was told that now I owe the full amount otherwise I will be taken to court. I was also told that they have the power to come after any penny I make as well as force the sale of anything in my possession or ownership. How long is Navient allowed to exist with these type of business practices? Where is the oversight of such a bully? Does anyone even read these complaints at CFPB?

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Mortgage) with SUNTRUST BANKS, INC. (DC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I have a VA loan with Suntrust and have made continual efforts to set up automatic payments. Every time I do it does n't work and I am late on a payment. They report that to my credit report immediately then start calling at all hours of the day even on Sundays. This month it happened again and though I was only a month behind they sent me a letter stating that they were going to foreclose on me in a month if I did n't have it paid by then. I of course immediately paid it, but I do n't feel as if these tactics are ethical or lawful. I am trying to refinance with a company who does n't pull such shady tactics but my credit has been affected by the " missed payments ''. I also feel like they purposefully and continually have " problems '' setting up autopay just to encourage a default on my property, especially as it is now worth double what I owe on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This afternoon i receieved XXXX phone calls from seperate numbers [ ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) ] and seperate people claiming to represent a company called XXXX XXXX XXXX. They had previously called my mother and sister before getting in contact with meThey opened the conversaation by asking me to confirm my identity and went as far as telling me the last XXXX didgts on my SSN #. ( which they also provided to my family in a voicemail when they previously called ) they then starting talking about a debt i owe from years ago to " Check N ' Go '', which is a legitimate debt. 

At this point theyre telling me that i owe roughly {$930.00} and must pay it in full immediately or they will file paperwork to issue a warrant and have me arrested due to " their client '' pressing charges on me for a couple different types of fraud. I questioned him about the legitimacy of what he was telling me and he got extremely defensive and kept insisting that i would be charged with felonies if i did not pay. he also refused to identify his client when i asked who was pressing the charges since he had told me that the original debt collection agency that got my account from Check N Go had turned over my debt to someone else, and that that new agency, whom he is referring to as his client, is the XXXX pressing charges if not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX 2016, I sent XXXX letters to Midland Credit Management requesting proper debt validation per Texas Finance Code Section 392.202 which requires a debt collection agency to provide the alleged debtor with specific information concerning their debt including but not limited to : Name & Address of original creditor, original date of default, date debt was transferred from original creditor to third party debt collector, original balance, current balance, any fees added by the agency, and Texas surety bond information required by Sec. 392.101. I sent ( XXXX ) separate letters for MCM Account numbers # XXXX, # XXXX, # XXXX. The letters were received and signed for by Midland Credit Management on XXXX XXXX, 2016. On XXXX XXXX, I received XXXX letters for each respective account number from Midland Funding stating that the status of the account would be changed to " disputed '' with the XXXX major credit bureaus but further stated that " After reviewing he information you provided, as well as our account notes, and information provided by the previous creditor, we are unable to determine the nature of your dispute, and consequently deny that our records are inaccurate. We will be closing our investigation of your dispute and resuming regular collection activities as allowed by the Texas XXXX XXXX and/or the Fair Credit Reporting Act. '' I replied sending XXXX separate letters ( one for each account ) clarifying that in no way was I giving Midland permission to mark the account as " disputed '' with the credit bureaus, that I was requesting proper debt validation per the Texas Finance code. As of XXXX XXXX, 2016 I still have not received proper debt validation under the Texas Finance Code for the ( XXXX ) Midland Collections Accounts that I requested. Midland Funding has not validated these alleged debts within the 30 day window that the Texas Finance Code 392.202 ( b ) ( 2 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian maintains a " blacklist '' of consumers it will not allow to access their credit disclosures online. This " blacklist '' maybe be punishment due to a consumer previous filing a CFPB complaint against Experian and / or it may be to generate increased revenue by forcing consumers to pay for additional disclosures since while denying access to disclosures for dispute purposes, if one pays they will allow the individual online access. On XXXX/XXXX/2015 I obtained a free FCRA copy of my Experian disclosure online. Experian specifically allows consumers to view their disclosure again in the near future also online by entering their report number. However, Experian refuses to allow me to view my report again for purposes of disputing a multitude of items that Experian is reporting incorrectly. Instead, if I want to dispute online I must pay {$12.00} to purchase another copy of my Experian disclosure online. I have previously phoned Experian and they have informed me that I am in indefinite " special handling '' as " punishment '' for having filed a previous CFPB complaint against Experian. Experian in their response will state that they have security measures which dictate when online access is given. Experian, in my case, is a liar. If security measures result in not being able to dispute online, then why do these same security measures not prohibit one giving Experian money and obtaining their disclosure to dispute online. Experian is simply retaliating against me and countless others who file CFPB complaints against Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief